Newly graduated from college and an aspiring writer, Beth Hayes craves independence and has a world to conquer. But her notions of travel, graduate study, and writing the great American novel will have to be postponed. With her mother, Susan, leaving to fulfill her own dreams in Paris and her Aunt Maggie, Uncle Grant, and stepfather, Simon, moving to California, Beth is elected by her elders to house-sit the Island Gamble. Surrounded by the shimmering blue waters of the Atlantic, the white clapboards, silver tin roof, and confessional porch have seen and heard the stories of generations of Hamiltons. But will the ghosts of the Island Gamble be watching over Beth?

Buoyed by sentimental memories of growing up on this tiny sandbar that seems to be untouched by time, Beth vows to give herself over to the Lowcountry force and discover the wisdom it holds. She will rest, rejuvenate, and then reenter the outside world. Just as she vows she will never give into the delusional world of white picket fences, minivans, and eternal love, she meets Max Mitchell. And all her convictions and plans begin to unravel with lightning speed.

There is so much about life and her family's past that she does not know. Her ignorance and naiveté nearly cost her both her inheritance and her family's respect. But Beth finds unexpected friends to help her through the disaster she faces: her wise and charming Aunt Sophie; Cecily Singleton, the granddaughter of Livvie Singleton; and Woody Morrison, the solid young investment banker.