Terri Rayburn is a girl with a reputation. She doesn't deserve it but, having grown up on the outskirts of Summer Hill, she knows how small towns work. The only way to deal with vicious gossip is to ignore it. So she keeps to herself as she runs the summer resort on Lake Kissel.

When she returns home from a short trip to find a handsome stranger living in her house, she smells a rat. Someone is trying to fix her up, and she has to admit that Nate Taggert is just her type. However, Nate is engaged to the daughter of the mayor and strictly off-limits.

Nate and Terri form an unlikely friendship while he throws himself into life at the lake. When he hears rumors about Terri, he's confused. Knowing how smart, beautiful and strong she is, he's determined to discover the source of the gossip. Terri doesn't want to revisit the past, but Nate won't stop until he discovers the truth--even if the truth might be more than either of them can handle.