Long Island salesman Sonny Raines has had it. He's sick and tired of living in a world where wrong always wins over right. Then, on his 39th birthday, when he loses his job and comes home to the most devastating shock of his life, that's it. He's dropping out.

With nothing left to lose, and little in his pocket, Sonny chucks it all and drives his aging van 1500 miles to the lower reaches of the Florida Keys. All he wants is to get over his recent losses and simplify his hectic life, and that's exactly what he thinks he's doing when he settles on a paradisiacal speck of an island known as Wrecker's Key. While surrounded by the warm aquamarine waters of two tropical oceans, he not only falls in love with the key but also establishes a close bond with the free-spirited locals who call it home.

But all isn't blue skies, swaying palms, and coconut oil on Wrecker's Key. There's trouble wafting in the warm breezes that caress the island. Although Sonny certainly isn't looking for romance, he finds himself falling for his next door neighbor. Ex-model Julie Albright just may be the kindest, most beautiful woman to ever grace his eyes, but there's a snag. She has a small physical flaw that, no matter how hard he tries, Sonny can't overlook. And his feelings are no secret to Julie. She can read them, and they weigh as heavy on her heart as they do on his. Then things get even worse. One night, under the cover of darkness, danger drifts up the deep, silent currents from the lower keys - serious danger - life and death danger. And Sonny Raines finds himself right in the middle of it.