CONTENT WARNING: NSFW 18+, I wrote this with any kind of MC in mind, so hopefully it fits for you!

The sun was setting on another summer evening. You waded out of the ocean, intentionally a few steps behind Cove to admire the toned muscles on his tan back. He strode out of the water with ease and collapsed onto your colorful knit quilt. Sand clung to your feet as you emerged from the ocean to join him.

Cove was on his back, elbows propping up his upper half. His head pointed towards the indigo sky. You paused in front of the blanket, considering how to lower yourself onto it without bringing the sand with you.

Aware of your presence, Cove raised his head and made eye contact with you. His soaked hair swept away from his face and his cheeks were still slightly pink from the sun exposure. His innocent gaze traveled down your body. You stood frozen, struck by the adoration in his ocean eyes. You noticed the color of his cheeks deepen and spread to his ears. His eyes darted away and he stuck out his bottom lip in a small pout.

Cove: How did I not notice that earlier?

You looked down at your own body quizzically, scanning for an abnormality. Oh, there it was. The anklet. You usually took it off before hitting the beach, but it must have slipped your mind earlier. You kicked your decorated foot towards Cove.

Y/N: Notice what? Notice this?

Cove closed his eyes and hummed, trying to hide his amusement. His reaction stirred excitement within you. Your voice was saccharine and dripping with ironic innocence.

Y/N: I swear I didn't mean to wear it. I forgot to take it off earlier.

Cove: For some reason I don't believe you.

You lowered your foot and crossed your arms over your chest. Cove peeked his eyes open, relief washing over his face.

Y/N: And I don't believe that you're not thrilled to see it on my ankle.

You had him there, and Cove knew it. He motioned for you to join him on the blanket. Your earlier struggle reemerged. Without thinking, you dropped your knees first, then flopped the rest of your body onto the quilt. You landed with an "oof" and Cove cackled at your lack of grace.

Cove: Y/N...

You propped your head onto your hands and kicked your feet upwards towards your rear. The anklet danced enticingly in Cove's eyeline. This display more than made up for your clumsy blanket landing.

Y/N: Yes, Cove?

Cove decided he had nothing to say. He took your face in his hands and kissed you sensually. You returned the kiss, melting under the shock of his sudden forwardness.
You parted your lips hungrily. You felt the warmth of Cove's tongue threaten to clash with yours. You thrust your tongue forward daringly. A low moan escaped Cove's throat. He pushed the kiss deeper and flipped you onto your back.

The kiss broke apart. Cove stared into your eyes, causing your head to spin.

Cove: Can we go?

You nodded, quite aware of his intentions. Cove helped you up and grabbed a corner of the blanket in one hand while holding yours in the other. You walked in silence toward the Holden residence. As you grew closer, Cove's pace slowed. The light was on inside the house. Mr. Holden was home, and awake. Cove's tone was dejected and frustrated.

Cove: There is no way we can casually waltz into my room with dad home. No way.

You felt determined to make this happen. You looked over to your house, a beacon of hope. You knew your moms and Liz were home, but the light downstairs was off. You tugged Cove's arm in the direction of your house.

Y/N: Let's climb into my room through the window, Cove-style.

Cove: Uhhh, your family is home. Are you sure about this?

Y/N: We'll be quiet. And the risk is a little exciting, isn't it?

Cove hesitated, but followed your lead. The risk of detection was higher at your house, so you never got down with Cove in your room. The thought of getting frisky with Cove somewhere new made your blood pump faster. You walked in silent anticipation until you arrived at the scaffolding up to your window.

Y/N: You can drop the blanket there. Give me a boost?

Cove obliged without a word, obviously lost in his own head again. He supported your waist as you climbed. You grimaced and pried open the window slowly, trying to reduce the squeak of the hinges. You stealthily slipped inside and landed on your feet. When you turned around, Cove perched familiarly in the window with a nervous expression.

Y/N: Get in here and close the window.

Cove: Are you going to turn the light on?

You shook your head.

Y/N: Too risky, we're relying on the romantic moonlight tonight.

Cove did his best to enter gracefully, his height and the darkness working against him. You held your breath until the boy was inside. He closed the window behind him and stood awkwardly in front of you.

Cove blushed, his features barely visible in the soft moonlight. You stepped toward him and tickled your finger under his chin, leading him to your bed. He followed, eyes glued to your inviting lips. You fell backwards onto your bed with a soft thwump. Cove leaned into you, inches away from a kiss, then paused.

Cove: Y/N, we aren't exactly prepared to do anything here, are we?

The vagueness of his wording wasn't surprising. This wouldn't be your first time going all the way with Cove, but he was still learning how to speak candidly about it. You squirmed away from Cove and reached into your bedside table drawer. Using one hand, you blindly felt around until you felt the familiar packaging. You produced the condom and presented it to Cove with a shining grin. His mouth fell open and his cheeks grew red.

Cove: Why do you have that? We never... do anything here...

His voice drifted off quietly.

Y/N: Call it wishful thinking.

Cove avoided your gaze, unsatisfied with your answer. You hooked your arms around his neck, the condom still poking between your index and middle finger. In this new position, Cove had to face you head on.

Y/N: I have a gorgeous boyfriend who is almost always half naked. It's not absurd to be prepared.

Cove chuckled sheepishly at that response. He took the condom from your fingers and peeled one corner. He placed the half opened package on the edge of your bedside table for easy access when the time was right. Cove faced you again, ready to devote his undivided attention to you.

Cove: I have one more concern.

You raised one eyebrow, indicating you wanted Cove to continue. He hesitated, searching his mind for the right words to use. He caressed your cheek while he thought. Finally, he settled on something.

Cove: You're uh— loud.

You felt your face burning up with embarrassment, but you couldn't argue. You clenched your jaw, trying to think of a retort. Instead, a mischievous grin spread across your face. You grabbed the hand still caressing your cheek and guided his fingers to your lips.

Y/N: Why don't you put these to use.

Your voice came out low and husky. That was enough to set off Cove. He lunged at your lips with his. The kiss felt intoxicating. You entangled your fingers in Cove's damp seafoam locks. He ran his warm hands up and down your torso and chest. His right hand lingered for a moment on your hip, then traced down your leg. Lips still connected, he grabbed your adorned ankle and lifted it towards his shoulder.

Cove pulled back from the kiss. You almost didn't recognize the passionate hunger in his eyes, but a familiarly pensive look crossed his flushed face. Calculating his next move was causing a bit of inner turmoil. You stared up at him, your heart pounding in your chest. The feeling traveled downward within you.

Cove loosened his grip on your ankle and turned his face to it. He gently pecked around the ankle with small kisses and bites. You shuddered at the sensation. You felt a heightened sense of vulnerability with your legs spread and exposed to Cove. He pressed his crotch forward into yours as he traced his tongue from your ankle up your leg. You felt his hardness twitch against your crotch. His tongue trailed and broke off before it reached your knee.

Cove lowered your leg and released it as he leaned in to kiss you again. His hands toyed with the hem of your swimsuit bottoms and you allowed him to remove them. Now completely naked, you wanted Cove on the same page. You curved your fingers into the hem of his swim trunks and helped lower them. He stood up to kick them off entirely. You scrambled to sit up straight, you wanted to use this opportunity to shift the position. Cove noticed your sudden movement and became concerned.

Cove: Is everything okay, Y/N?

You nodded coquettishly and beckoned for Cove with your finger. His erection grew as he scanned you with lust burgeoning within.

Y/N: Get back here, you.

Cove rested his knee on the bed and prepared to loom above you, but you shifted your weight and pinned him to the bed. His head landed on your pillow and his eyes widened. You situated yourself on top, straddling your legs on either side of him. The reality of the situation weighed down on his mind. There was nothing between your bodies.

Cove's face was burning red, but he didn't break eye contact. His unusual boldness only turned you on more. You pressed your body closer to his and teased your lips above his. His hands gripped your hips and threatened to move lower. You moved closer to his ear and spoke in a low whisper before running your tongue down his lobe.

Y/N: Go lower, I dare you.

Cove whimpered and allowed his hands to move onto your ass. He squeezed hard and spread your cheeks. Your body tingled and you managed to stifle a moan by biting your lip. He bucked his hips forward, grinding your crotches together. You ran your hands over his defined pecs and pinched his nipples.

You felt about ready to burst and could tell Cove was equally tantalized. He instinctively reached for the condom and removed it from the packaging. You sat back to allow him room to slip it on. Cove's warm hands caressed your thighs and coaxed you forward.

You held his gaze as you lowered yourself onto his erect penis. His bright eyes widened, then closed as he felt you wrap around him. He parted his lips, allowing his next words to barely escape.

Cove: Y/N, fuck...

Curse words and Cove rarely mixed, but when they did you felt it in your bones. You stabilized yourself by resting your palms on Cove's toned abdomen. Using this position for leverage, you lifted yourself, then came back down. Cove's eyes shut tight and his lip quivered. You gradually increased the pace, keeping an eye on Cove's reaction.

Cove's eyes lidded heavily, his mouth agape with small gasps. You felt the warmth of his hands crawling up your torso and across your chest. One hand remained groping your chest while the other moved upward to caress your face. He took one of your nipples between his fingers and pinched. You couldn't contain the pleasured moan that escaped from your mouth.
Cove furrowed his brows and huffed. He continued working your nipple, but his other hand drew closer to your mouth. His thumb traced the outline of your lips. He eyed you carefully, anticipating your next move. You parted your lips and used your tongue to tease Cove's thumb into your mouth. Testing the waters, he pinched your nipple harder. You bit down gently on the tip of his thumb and moaned. The sound was sufficiently stifled by Cove's thumb.

Suddenly, he pulled back and held your hips firmly in place.

Y/N: Cove?

Cove controlled his breathing, but his flushed face betrayed his true feelings. Flustered and teetering on the edge, he whispered.

Cove: Could you lie on your back?

You eased off of him and scooted backwards. Cove sat up and pushed you flat against the bed. He aligned himself in front of you and hiked your legs upward to hang your legs on each of his shoulders. One hand twirled your anklet while the other anchored onto your hip bone.

Cove inserted himself into you again, exhaling a low rumbling groan. He began thrusting, gently but firmly. Your body felt hot. Your skin was throbbing with passion and damp with sweat. You wanted more.

Y/N: Cove— hhhf. Haa— harder.

Your thirst imbued Cove with confidence. He leaned forward to kiss you, still draped by your legs. You spread your arms above your head and gripped the mattress, bracing yourself. He dug his hands into your hair and pulled.

His thrusts became more powerful and deliberate. You moaned deeply into his mouth. The new position created a tightness around Cove's dick that drove him mad. He began to fondle you externally to match your climax to his.

You peered through your hazy vision into Cove's focused expression. Your eyes met in a moment of passion and bliss, sending each other over the edge.

Cove: Y/N— I'm, fuck... Are you—

You felt the familiar throbbing of Cove finishing within you, which fueled your own climax. Cove's mouth was on yours before you could cry out, muffling your inevitable moan. Your body shuddered with waves of electric pleasure.

Cove separated himself from you and pulled out. He flopped onto the bed next to you, hand resting on his pounding chest. You nuzzled into him, embracing the heat and dampness of his skin.

Y/N: So that was amazing.

Coming down from the high of orgasm, Cove fell into thought. You propped yourself on one elbow to analyze his expression. His eyes were half-lidded and watery. The trademark blush was exactly where it belonged. The gentle smile on his lips parted to speak.

Cove: I love you, Y/N. I think about that a lot. You know that. But moments like this make me feel so much closer to you.

He paused to gauge your reaction. You nodded to let him continue.

Cove: You're incredibly special, and I'm so lucky that you were⁠— er, are patient with me. And that's all I have to say on the matter...

Cove became aware of his words and grew quieter. You chuckled at his sudden self-consciousness.

Y/N: My big softie. I love you, Cove.

Cove's eyes crinkled adorably with his grin. He wrapped you in a big hug and brought your head to his chest. You listened to his rhythmic heartbeat while he stroked your hair. The anklet-driven evening came to a satisfying end.