It may be a natural underground water course, or a man made one. Are you on a hill with a stream that disappears under ground somewhere higher up the hill ? Builders of estates will sometimes "bury" quite large streams in under ground culverts to gain space for an extra house or a road.
A natural water course is more likely to be noisy as it will have turns and drops creating turbulance unlike a man made one which ( should ) be straight and be without turbulance.
A natural water course is more likely to be noisy as it will have turns and drops creating turbulance unlike a man made one which ( should ) be straight and be without turbulance.