Here is an example of how air can affect water temps at the surface. Take a close look at the Gulf of Mexico in the image below. It had been completely warmer then normal at least since summer. Notice how the Arctic air has cooled the Eastern Gulf near Florida and the Western Gulf near Texas. That just happened. Will probably be even cooler in the next days image. Someone posted on another thread how strange the waters off the Western coast of Florida looked yesterday from a jet landing in Florida. Steam was coming off the water. It was dramatically cooling.
Take a look at this animation. Note all the marine layer coming off the water in the Gulf and East coast of the US. That is because the air is much colder then the water. Our oceans are cooling. The sun moved the marine layer further off the coast by heating the air some, but late tonight the marine layer will be all the way to the coasts again.
Real-Time U.S. Composite Satellite Animation
Not sure what you mean by the “marine layer”, but it sure appears that there is a concentration of unusually hot water in the Chesapeake bay region.