Kate Hamilton lay out in the back yard next to the pool, soaking in the sun and working on her tan one summer’s day. She was enjoying the peace and quiet of her large backyard. Of course, it was always quiet around the house since she lived alone these days, but after the hectic week she’d had at work, she could use all the peace and solitude she could get.

This is nice. I like the quiet of the backyard and the sun feels great, she thought to herself as she lay there. Having a place like her home to get away from the demands of work and the hustle and bustle of city life was good for her most of the time, but she did miss the socialization she used to have. She used to be quite the party girl, always the center of attention and the object of the menfolk’s eye.

But that life was over for her now and while her new reality was not what she would have chosen for herself, she made the best she could out of it. Sometimes a person has to work with what is given them. “You got to play the hand your dealt sweetheart,” her daddy used to tell her all the time. Well, she sure wished she could play a different game sometimes!

It wasn’t that Kate couldn’t find a man easily enough – she was a very attractive woman still and would have no problem finding someone to keep her company. But finding a man who would treat her right and give her the love and attention she needed was the question.

Kate had been married, but one day on his way to work, he had been killed by a drunk driver. Fortunately, her husband had left her a very sizable life insurance policy which, along with her job as a real estate broker, made for a very comfortable living for her. Comfortable in that she didn’t want for money; however, for a thirty-two year old widow, money isn’t everything. She had other needs that didn’t show up on financial statements.

Kate had tried dating a few times, but the pickings were pretty slim; either they were so full of themselves they acted as if they were doing her a favor, or they were so taken with her money that they didn’t see the woman in front of them. And she certainly wasn’t into the whole single’s bar thing. If she was going to party, she wanted to pick her playmate sober! So, after several failed attempts, she gave up, figuring if it was meant to be, it would happen on its own time.

Kate always enjoyed reading and laying there in the sunshine today was a good day for that. She knew that her yard was enclosed by solid wooden privacy fence, put up right after her husband died to keep the reporters and other unwanteds out.

The thought hit her that she could sun bathe in the nude if she wanted to, and at one point, she almost gave in to the whim and removed her two-piece swimsuit. No one would have ever known – her nearest neighbor only had a one story house and couldn’t see over the fence and there was no one in back that could see her, either. She had complete privacy where she was laying. But she dismissed the idea as being ridiculous.

Imagine me laying out here in the nude, like some teeney-bopper or something! she thought to herself. Besides, lying out there by the pool naked would only get her thinking more about sex and make her more horny. With no prospects for helping her alleviate her horniness as it was, she did not want to add to that frustration.

She had just dismissed the idea of sunning herself in the nude and had mentally resigned herself to spending another Saturday night alone in her big empty house, when suddenly a basketball came over the fence from the neighbor’s driveway and landed in her yard, rolling onto the concrete patio up close to her chaise lounge chair. Kate sat up, startled a bit by the noise, and then she saw a young man slowly open the gate and peer around it cautiously.

“Sorry, Ms. Hamilton,” he called out. “Is it okay if I come get the ball?”

It was Andrew Thomas, the son of her next-door neighbor, whom she hadn’t seen in a few years, apparently, because he was not the young boy she remembered him as. He had grown up and she smiled appreciatively.

“Sure, it’s okay, come on in.”

As he walked into the yard, Kate removed her sunglasses and let her eyes get used to the brighter light. “Andrew? Is that you?” she asked with a tone of amazement.

“Yeah it’s me, Ms. Hamilton.”

Kate stared admiringly for a moment as she watched him walk over to retrieve his basketball. He was only wearing shorts and sneakers and his well-toned muscular body was glistening with sweat.

“I almost didn’t recognize you,”

“Yeah, it has been a while,” he responded as he picked up the ball and walked over to where she was sitting. “I’m a junior in college now, going to State. I don’t get to come home too often. I just thought I would shoot a few hoops like I used to till my parents get home from work – I’m sorry to disturb you. I guess the ball got away from me a little. I’m kinda out of practice these days.”

“No, no, that’s okay, you’re not disturbing me. I actually could use the company.”

By now Kate had put her sunglasses back on so that she could check the handsome young man out without him seeing her eyes move over his athletic body. She was caught off guard by how the sight of him stirred such shameless and lustful feelings in her. As the two of them talked, she mentally debating whether or not she should’ve given in to the urge to sunbathe in the nude. She began going through several erotic scenarios in her mind of what would have happened if he opened the gate and found her naked.

Pull yourself together, Kate. You’re not some doe eyed schoolgirl! He’s almost half your age for Pete’s sake! she thought as she chastised herself for thinking such things.

For the next several minutes, they caught up on the events of the last few years. They had lived next door to one another for the last eight years. She had watched him grow from a gangly, awkward, shy boy to this strong confidant young man. And looking at him now, she fully approved!

“I heard about what happened to Mr. Hamilton ... I’m really sorry. But you know, I also remember that you and he fought a lot. I often would lay awake at night – my window was open and I could hear you two going at it – and I wondered if you was really happy living with him or just stuck with him. I hope I’m not out of line, but I never liked the way he yelled at you.”

“No, you’re not out of line, dear. I’ll admit, we did have our troubles. I suppose every marriage has its ups and downs. He was difficult on some things and he did spend more time at work than I would have liked. But he was a good man and he was a good provider.”

“Well, I’m glad you didn’t move away,” Andrew said, suddenly aware that his only reason for being glad was he had been attracted to her for as long as he could remember.

“Why is that, hon?”

All Andrew could come up with as an explanation for his happiness to have her still there was the feeble sounding comment, “You’ve always been a good neighbor.” He cringed when he heard himself say that. What a lame answer! he thought to himself. Of course, he couldn’t say, “I’m glad you didn’t move away because I get a hard-on every time I see you.” So, at that point, the conversation fell kind of flat.

In an attempt to break the sudden awkward silence, Kate blurted out, “You sure look hot.” She quickly realized what she had said. To her embarrassment, her lust-filled thoughts had just slipped out!

Before she could say anything else, he simply responded, “Yeah, it’s hot out here today.”

Whew, that was close! she thought, knowing she must be blushing crimson right then but hoping it didn’t show. She was relieved he apparently didn’t notice her tone and realize she was talking about him. Then, further trying to cover the lustful feelings she was afraid were showing, she said, “Why don’t you cool off in the pool. Go ahead jump in, it’ll feel good.”

“Really? Are you sure? Are you sure you don’t mind?”

“No it’s fine ... I don’t mind. Go on, have fun,” No, she didn’t mind at all watching the hunky young stud some more!

“I’ll have to swim in my shorts. I don’t have a swimsuit here,” he announced as he removed his shoes and socks.

“That will be fine.”

Andrew kicked off his shoes and dove into the refreshing water and began swimming around. Kate just sat there on the chaise lounge chair watching him, enjoying the company and the scene before her. She indulged in a little fantasizing about Andrew, thinking she should have just told him to go skinny-dipping. She started noticing how stimulated her body was becoming because of her wanton fantasies, when her thoughts were interrupted by Andrew calling out to her.

“Ms. Hamilton, why don’t you come in too. it must be hot there in the sun, and the water feels great! Come on in and cool off some.”

Kate was a bit hesitant at first, but she agreed she needed to cool off. She meant it more than one way, but doubted he had a clue. It was inconceivable to her that he would find her the least bit attractive. She was at least twelve years older than him and she was certainly not one of those hot college girls he must be used to seeing on campus. Still, the sun was hot there on the patio and that water did look inviting...

“Okay, I’ll come into the water, just to cool off,”

She did need to cool down. But more importantly, she wanted to be closer to him. Andrew waded over to the steps just as she got to them and offered his hand to help her down the steps into the water.

“Mmmm you’re right, this water does feel nice,”

Andrew led her deeper into the pool. He took her into the pool until the water was about halfway covering her breasts and she stopped, leaning against the side of the pool.

She watched as Andrew dived to the bottom of the pool swimming underwater to pop up right in front of her. She giggled at his antics acting just as giddy as if she had a schoolgirl crush on him. She couldn’t believe she was acting so goofy around this much younger guy – this was not the Kate Hamilton she knew!

After several minutes in the water, Andrew became even more playful than she expected. First, it was just a brush of his body as he moved past her or the brush or touch of his hand as she stood at the edge of the pool while they talked. It was innocent enough and easily explained away as an accidental touch.

The truth is, being in the pool with Kate had long been a fantasy of Andrew’s. He had watched her in her skimpy bikini swimsuit when he was a few years younger and Ms. Hamilton had been the subject of many night time fantasies and resultant morning erections.

Naturally, his fantasies involved sex with the amazingly sexy neighbor woman. Nevertheless, he was now in the place his fantasies had began. And the more real it became, the more bold he felt. And the bolder he became, the more he was convinced he was smooth enough and man enough to handle this older woman who had been at the center of his dreams for the last several years.

Kate was beginning to realize, too, that there was more to his actions than she had first thought, especially as she found herself pressed between the side of the pool and his body. He wasn’t forcing himself on her, he was actually trying to make it seem like a playful hug, but the unmistakable feel of his erection pressed against her ass ruled out “just playing.”

She was actually not offended or upset by his advances, but at this point welcomed the attention. Andrew, not getting any kind of negative reaction from her, turned them both so that his back was against the wall and she was backed up against him facing the middle of the pool. Kate leaned back into him, a reaction which he welcomed by reaching around her waist and embracing her. Then when he started nuzzling her neck, she tilted her head to one side to allow him. Smiling to himself, he moved to kissing her shoulder.

Kate only cooed with approval which emboldened Andrew and he was soon cupping her firm breasts in his hands. Slowly, he massaged them through the top of her swimsuit before slipping it up and freeing her tits. That brought a gasp from her, but she did not object or try to push his hands way. Instead, she was focused on the hard cock she had reached back and grabbed hold of just moments before. His shorts were still covering him, but she could easily distinguish its length, girth, and hardness.

Finally Kate realized there was no more need for pretenses. Spinning around and facing him, they kissed passionately for just a few moments, before Andrew pulled back and looked into Kate’s eyes.

“Kate, can I tell you something? Can I be honest with you?”

This was the first time he had ever used her first name and Kate gave him her full attention. “Sure Andrew, what is it hon?” she said.

“It’s just that ... well, I have had a terrible crush on you for years now and I have wanted to be here like this so many times. I used to see you sunbathing like this or out working in the yard and I wished I could be the one who got to be with you. I was mad at your husband because he didn’t appreciate you for what you are and he didn’t treat you the way you should be treated. The way I would have treated you.

“Now I know that I’m only a college guy and you probably think this is some schoolboy crush, but it isn’t. I have wanted you for years and have had a great many dreams about you ... dreams no schoolboy should be having. Kate you are a beautiful, sexy, and very desirable woman and...”

She cut him off in mid sentence, putting a finger to his lips. “Shhh, honey ... we need to go inside,” Then she took him by the hand and led him to the steps and out of the pool. They went over to where she had some towels in an outside closet and they dried themselves off as best they could then hurried into the house.

Now safely inside the house, the pair quickly stripped one another of what clothing they were still wearing; each one enjoying undressing the other and exploring them as they did. Once both were fully undressed, they paused for a few moments to fully take in the naked form of the other.

Andrew’s eyes moved over the uncovered curves of Kate’s body, mentally comparing it to his masturbatory fantasies; it was more amazing than he could have ever imagined. Then he reached out and slowly moved his hands over her body, tracing every curve. She was everything he dreamed she would be and more.

Kate closed her eyes for a moment enjoying the feeling of a man touching her like this again. It had been such a long time since she had been touched, rather than grabbed and manhandled. Andrew’s touch was gentle and loving so unlike the animal pawing and groping she had gotten used to from other men.