Terry is a teenage recluse mourning the loss of his parents when he rescues a nearly dead body hit by a speedboat from the deepest part of the cold mountain lake he lives on. After he revives her, she transforms into a beautiful 16-year old.
He thinks she is crazy when she informs him his parents aren't dead, but trapped underwater, and that she is a mermaid and his future girlfriend.
Terry finds out from her that he will turn into a merman when he turns 16, but that will be too late to save his parents.
Can they save his parents? Can they save their arranged marriage? Can they fall in love?