Interior designer Reilly finds herself this Christmas in the town of Mistletoe Lake with no place to stay. She accepts an offer from Ray to stay in his boat, helping him renovate the boat for the town's Christmas Harbor Festival.
Every Christmas, Reilly Shore (Genelle Williams) picks a random spot on the map to take an adventurous trip. This year, that destination is the quaint hamlet of Mistletoe Lake. As she arrives, Reilly discovers that the town's lone bed and breakfast is full due to the town's annual Christmas Harbor Festival. When twelve-year-old Emma (Hattie Kragten) invites Reilly to stay on her dad's boat, she learns that Emma's dad Raymond Mitchell (Corey Sevier) is selling his boat and can't participate in the festival. Saddened, Emma enlists Reilly's help to convince Raymond to enter into the festival so they can have one last perfect Christmas on Mistletoe Lake.
Raymond 'Ray' Mitchell dropped out of the New York financial rat-race to lead a quiet life in his native small town as accountant, with his kid daughter Emma (aged 12), from the failed marriage with Emily, after whom their motorboat is named. It's the last year, at best, they can participate in the annual animated boat show on the lake, which remains open all winter due to a natural hot spring. To pay for Emma's dream school out of state, Ray plans to sell the boat to real estate businessman Louis. The latter fell in love with the dreamy town's authenticity and happily bumps there into his big city interior decorator, Reilly Shore, who happens to explore it for nostalgic reasons, and also falls for it, but no less for friendly gentleman Ray, who generously lets her stay on his boat, which she helps repair, as all hotels are booked out for the festival. With Emma as semi-accidental Cupid, Ray also falls for her. Crisis follows as he discovers she knew Louis but assures him not to have known nor accepts to work on his plan to modernize and sell the boat, which Ray hoped to become another family's treasure. The main threat is a group of investors around Louis, bidding on the whole lake harbor for a modern development that would undo all charming old-fashioned authenticity.—KGF Vissers