Just ask. You are making it far more complicated than it needs to be. If you really would like to have some privacy, find our when she starts, not when she gets off, and show up for your swim about that time.
I think the creepy factor only comes in if you wear a Speedo for your swim. Otherwise, just ask. Make it casual - like coffee or lunch for a first date, and then if she says no thank you, it's no biggie.
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"When in doubt, make a fool of yourself. There is a microscopically thin line between being brilliantly creative and acting like the most gigantic idiot on earth. So what the hell, leap."
- Cynthia Heimel
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