I have seen this issue on 2-3 boats here. In all cases, the leak into the area between the compartment floor and the hull either began with or was found to be a pin hole in the front or rear wall of the bilge sump. If you get water under the center compartment on a 390EC, it will work its way up thru the bottom of the plywood board the water tank sits on. There are aluminum angle brackets holding the front wall of that compartment in place and water comes up thru the bottom screw holes. Once the area below the water tank is full, water rises up thru the floor of that compartment and your water tank then sits in water until it corrodes.
The bilge sump in these boats is formed by V-shaped blocks of wood glassed to the hull, then the flat part of the bilge floor built on top of the block. The sump walls are formed by hand and can get air pockets in them. Over time, bilge water can enter the air pocket and find its way to the hull under the floor. Once the water gets to the hull, it can run forward or aft along the inside of the hull. So even if you find water under the cabin floor, it can easily have originated in the bilge sump.
Unfortunately, closed cell foam Sea Ray sprays under the cabin and bilge floor as a sound deadener will eventually retain water after it has been soaking for a while. It takes a long time to get the water out. You can mount an inspection plate in the floor of one or more compartments, at a low point in the hull (when the boat is in the water) then remove the cover and use a Shop-Vac to periodically remove the water that has drained out of the foam.
This is one excellent reason to keep your bilge spotless. If your boat has an oily bilge from spills, leaks, etc.., then any water that leaks from the bilge sump into the hull will have oil in it and your entire boat will eventually smell like oil.
Not a pretty picture, but it is what it is...............