Ghosts, and a historical treasure of unimaginable value, play a part in the lives of four adventurous young people. The story is set around the jewel of the Sierra, Lake Tahoe, and the historical old mining town of Virginia City. Carolyn Marshall is a young woman of modest means living in a community of the mega-rich. During a weekend at the family's home in Clear Water Cove, she rediscovers an old love and becomes involved with a handsome stranger, hired by malicious gangsters to recover the lost treasure. Renting her family's sailboat to aid in the recovery project, Carolyn innocently helps participate in the dangerous dive operation, and finds herself in mortal danger. She must rely on two men with very different motivations, to save her.