In this disclosure, we have the following examples and teachings: A geothermal heating and or cooling system is introduced here which is deriving cooled or heated liquid via existing infrastructure of water pipe system in use for the houses and buildings, e.g. from the city water system or pipe network, or from the well water (or lake or river or sea or ocean or the like), piped or channeled to the buildings, through pipes or conduits or channels or closed enclosures. The system derives cooled liquid from existing underground infrastructure, including or for example, below-ground water pipes. The system gains a temperature advantage from the geothermal ground temperature, which remains roughly constant throughout the year in most regions. The system uses (e.g.) a storage tank to contain a working fluid and store thermal energy. In one example, multiple chambers and / or tanks are used for water heaters or coolers, with different connection and flow mechanisms. Other examples and designs are also discussed and shown here.