Frightened by vivid dreams of being a crew member on a Spanish galleon, La Gracia, which sank off the coast of a haunted, but charming oak lined town in Northeast Florida during the 17th century in a brutal hurricane, Teddy Dollarhide and his crew, The Pearlmakers, have been desperately searching the murky Atlantic waters around his home for the last six years, hoping to find the ship's elusive treasure.

Motivated to find the massive bounty by a pressing tax deadline on his historic Italian Mediterranean estate, Isabella, that he inherited from his late uncle and an obsession driven by his constant dreams, Teddy catches a real break when his son Cosby finds an antique crusted pistol from the ship in a new location during a surfing wipeout.

Meanwhile, Teddy's older son, Joey, breezes in town from California for Cosby's graduation and runs into a riveting crush from high school, Belle Burns, that just levels him. After a campfire party on the beach, the boys and their girlfriends take shelter in Isabella during a deadly hurricane where they learn about a Dollarhide family treasure buried in the High Sierras of California that could solve their own financial troubles. The hurricane batters the small town, but Teddy falls in love with a beautiful stranger that oddly resembles a Spanish woman from his dreams and the boys go off in search of adventure in the mountains of California.

Nothing is what it seems as time slips away and everyone's dreams are on the line.