Rural wetlands are complex landscapes where rivers, croplands, and villages coexist, making water quality monitoring crucial for the well-being of nearby residents. UAV-based imagery has proven effective in capturing detailed features of water bodies, making it a popular tool for water quality assessments. However, few studies have specifically focused on drone-based water quality monitoring in rural wetlands and their seasonal variations. In this study, Xiangfudang Rural Wetland Park, Jiaxin City, Zhejiang Province, China, was taken as the study area to evaluate water quality parameters, including total nitrogen (TN), total phosphors (TP), chemical oxygen demand (COD), and turbidity degree (TUB). We assessed these parameters across summer and winter seasons using UAV multispectral imagery and field sample data. Four machine learning algorithms were evaluated and compared for the inversion of the water quality parameters, based on the situ sample survey data and UAV multispectral images. The results show that ANN algorithm yielded the best results for estimating TN, COD, and TUB, with validation R2 of 0.78, 0.76, and 0.57, respectively; CatBoost performed best in TP estimation, with validation R2 and RMSE values of 0.72 and 0.05 mg/L. Based on spatial estimation results, the average COD concentration in the water body was 16.05 ± 9.87 mg/L in summer, higher than it was in winter (13.02 ± 8.22 mg/L). Additionally, mean TUB values were 18.39 Nephelometric Turbidity Units (NTU) in summer and 20.03 NTU in winter. This study demonstrates the novelty and effectiveness of using UAV multispectral imagery for water quality monitoring in rural wetlands, providing critical insights into seasonal water quality variations in these areas.