A classical wave emerges in a medium of a huge number of molecules , we cannot identify individual molecules with the frequency of the wave, the molecules are the "coordinates" on which the energy and momentum of the wave motion can be mathematically modeled, by their small motions up or down (transverse wave), left or right (longitudinal wave) as the wave passes. It is like a wave in a stadium, the frequency has a very wide spectrum, depending on how fast the people can respond.
A photon and an electron are point particles, i e. have a definite position $(x,y,z,t)$ in the model that describes their interactions.
When a photon interacts with an electron, its wave nature is not in energy, but in probability of interaction. It is the probability of interaction that is modeled as a wave, for the point particles which are the electron and the photon.
The classical wave in water, and does not behave as a particle, i.e. it is not defined by an $(x,y,z,t)$ point isolated in space, which is the definition of a point particle. One could extend the definition by allowing a $Δ(χ)$ ... In this extended case yes, there can be wave packets called solitons in water, which do behave as a particle carrying energy and momentum , in this case a one dimensional one. This is also interesting.