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If you live in an area where pool enclosures are expected, like in Florida, having one won't necessarily increase your home value. However, it's worth noting that in warm climates, a pool can add $11,600 to $95,000 to a home's value. 

On the other hand, if you're in an area where pool enclosures are not common, having one might set your home apart from the crowd. Depending on the appraiser, you may see an additional $25,000 to $27,000 or more for an enclosed, inground pool when it comes time to sell.

A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

There are many factors to consider when building an in-ground concrete pool. This includes the pool’s primary purpose (relaxation or exercise) if you live in a warm or cold climate (how often it’ll be used), and if you have the budget for chemical treatments and pool maintenance. In-ground pools are often more costly than aboveground pools, but they’re considered more luxurious and hold more value.

In most states, it is a legal requirement to have a fence around your pool. Laws vary by state and city, so check with your state and local government for regulations specific to you. Additionally, most homeowners' insurance providers will require some type of fence surrounding a residential pool before they provide coverage.