PRE-FILTER IF NECESSARY
When obtaining water from a new source, the first thing to check is if your water is cloudy. Before you take any water from a spigot, run the water for a minute or so. This may seem wasteful, but the "first draw" tends to contain far more bacteria and sediment than a flushed sample.
Catch a sample of water in a clear glass and take a look. If tap water is milky at first, and then the cloudiness rises to the top and disappears within a minute or two, that's just air. No need for a pre-filter. This kind of cloudiness is very common in municipal supplies, especially in the winter.
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If the cloudiness hangs around for several minutes or settles to the bottom, you have sediment that needs to be filtered first. You can install garden hose fittings on a standard filter housing and use 5 micron sediment filters, which should clear up most sediment issues at the tap.
Make sure your water is clear and colorless before you put it in your tank. Sediment that settles in your tank can be difficult to remove, and cloudy water is harder to disinfect than clear water.