So I put this request up in 2012 in a game dev site, did not get many responses. I thought it was strange that a ascii top down terrain gen would be difficult (so at least I am not the only one LOL)
Many of the responses were like this - 3D models that were not land types.
So I'll take another stab at what I can do, post it here and see if someone can improve on it.
Team work