You're probably not going to be happy going into, and then coming out of the water, if the air temperature is much below about 75°, give or take. But, you can take your family to the beach anytime!
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Yes, 75 and cloudy is quite comfortable for swimming as well as many other activities. Ideally the water will be a similar temperature or slightly warmer. If it is particularly cold just be sure not to stay in too long.
According to the National Center for Cold Water Safety, water temperatures below 70 degrees Fahrenheit should be treated with caution. Water temperatures between 50 and 60 degrees Fahrenheit makes it difficult to control your breathing, and anything lower than 40 degrees is painfully cold.
Hypothermia is one of the greatest dangers when you go out on the water. It is usually thought of a cold-weather or cold-water condition; but it can occur at temperatures well above freezing, even in waters as warm as 80°.