In this paper, we conduct experimental, theoretical, and numerical studies of a lead-zirconate-titanate (PZT) thin-film microactuator probe submerged in water. The major component of the actuator is a PZT diaphragm anchored on four silicon sidewalls. There is also silicon residue at the juncture of the diaphragm and the sidewalls due to imperfect etching processes. In the experimental study, frequency response functions of actuator displacement are measured via a laser Doppler vibrometer and a spectrum analyzer. The measurements show that the first natural frequency of the microactuator reduces from 80 kHz in air to 20 kHz when the microactuator is submerged in water. A viable explanation is that the surrounding water induces significant added mass to the microactuator. Estimation of the added mass based on theories in fluid mechanics successfully reconciles the predicted frequency to the vicinity of 20 kHz confirming the effects of added mass. Finite element models are also created to study how the silicon sidewalls and residue affect the added mass. Simulations show that presence of the sidewalls or residue would modify the fluid flow thus altering the added mass and natural frequency. In general, the finite element predictions agree well with the experimental measurements within 10% difference.