Philip "Philly" Fillmore, played by Eric Brown, is a 15-year-old boy residing in Albuquerque, whose wealthy and sexually adventurous father has departed for an extended summer "business" trip. Left in the care of the alluring French housekeeper, Sylvia Kristel, and the family's chauffeur, Howard Hesseman, Philly quickly becomes entranced by Nicole Mallow's charms.
One fateful evening, when he catches a glimpse of her through the door, she unexpectedly instructs him to close it—but from the inside. To his astonishment, she undresses in front of him, enticing him to explore his desires. When she commands him to touch her, Philly's shock drives him to flee. As his summer unfolds, he stumbles upon Nicole in a most compromising position—his father's bathtub. Again, she invites him to join her, but after much persuasion, he hesitantly complies while opting to keep his boxers on. The encounter escalates as she cuddles him, pressing boundaries that leave him flustered.
As their flirtation deepens, a trip to the movies shifts from innocent to electric. Yet, when Philly dares to mention marriage, she recoils, prompting him to withdraw. Nevertheless, she soon reflects on their relationship, suggesting they might as well date. They enjoy a steamy first date that culminates in a night of passion, yet undercurrents of danger lurk beneath the surface.
Unbeknownst to Philly, Nicole is an undocumented immigrant, and her dark secret is leveraged against her by Lester, the family chauffeur, who concocts a scheme to exploit Philly’s inheritance. His twisted plot includes Nicole seducing Philly, faking her death, and compelling Philly to conceal the supposed crime. When panic strikes, a note instructs him to pilfer $10,000 from his father's bank to safeguard his own secrets, leaving him trapped in a web of intrigue.
In a twist of fate, Nicole, having fallen for Philly, confides in him about the sinister plan and her harrowing circumstances. Determined to confront Lester, Philly enlists the help of his school tennis coach, Ed Begley Jr., who impersonates a detective to intimidate Lester. The ruse sends Lester into a tailspin, leading to his eventual capture with the stolen money.
With the threat of exposure looming over them both, Philly and Nicole opt to return the funds without revealing Lester’s deceit. In a poignant turn, she decides to leave, fearing discovery by Philly’s father. Their final rendezvous brims with passion, and as summer fades, Philly reintegrates into high school. Grateful for his teacher’s guidance, he finally learns to pursue a romance better suited to his age, asking her out for dinner and embarking on a promising new chapter in life.
