While investigating complaints in the ranch country of western Montana, government employee Susana Kader is run off the road by a bizarre glowing horse and rider. She's afraid someone's trying to scare her away, but she's much more frightened when she realizes it's not a human. It's a ghost cowboy on a phantom horse.

Following a strange glowing rider to a remote portion of the High Paradise Ranch, foreman Reede Munro finds Susana stranded. Her first touch sends sparks racing through him, but her vague answers about her reason for being on the ranch spike his curiosity. Unable to resist their wild mutual attraction, they spend a hot afternoon in his bed.

The ghostly presence is determined to meddle, though, and Reede enlists the help of the ranch's resident ghost whisperer, who reveals shocking information that will change Reede's life forever. But he's not the only one with secrets, and when Susana's are exposed, she knows her days with Reede are over. Can fate intercede before Reede and Susana make the biggest mistake of their lives?