In a dreary Florida beach resort village, luscious-limbed lifeguard Raymond is the main attraction for girls. Teenage buddies Claire and Hailey become experts on him by observation, but never dare actually approach him, and after this closing summer season will be separated as one's parents move to Australia. Then they find a storm washes up a sassy mermaid in a swimming pool, who promises them a wish if they help her prove to Neptune love exists, and Raymond is the only creature resembling a love-god.
