Laboratory reflectance spectra in the 0.325- to 2.5-μm region of bound water, water-mineral mixtures, mineral grains on frost, and frost on minerals are presented. The materials used in this study are montmorillonite, kaolinite, beryl, Mauna Kea red cinder, and black charcoal. It is found that the wavelengths of bound water and bound OH absorptions do not shift appreciably with temperature and can be detected when large amounts of free water ice are present. The decrease in the visible reflectance seen in many planetary reflectance spectra containing strong water ice absorptions can be explained by water-minerals mixtures, mineral grains on frost, or frost on mineral grains. Mineral grains on frost are detectable in very small quantities (fractional areal coverage >0.005) depending on the mineral reflectance features, while it takes a thick layer of frost (?1 mm) to mask to mineral below 1.4 μm, again depending on the mineral reflectance. Frost on a very dark surface (albedo about 6%) is easily seen; however, a dark mineral mixed with water could completely mask the water absorptions (shortward of 2.5 μm).