How do I have a sprite detect what tile it is overlapping?

I have a tileset map with a number of different tiles, land, water, etc, and a sprite that goes above it and is moved around. Is there a way I can have that sprite detect what type of tile it is above? So that if Sprite is above water one thing can happen but if its above ground another thing can happen?

Try and go from a different direction. You can select a tile by coordinates if I remember correctly. So try selecting a tile from the X,Y of the sprite then check to see what tile it is set to.

How do I do that?