An underwater photographer is attacked and more than a few people believe a sea monster is responsible. With the hysteria over the 'sea monster', Mitch and his fellow lifeguards are determined to get to the bottom of the mystery. Shauni's work as a lifeguard leads to conflict with a bunch of locals and her father but her father has a change of heart after he learns more about what she does.

Harvey is feeding off the local panic, making a small fortune selling ""Creature in the bay"" T-shirts. Just when things start to calm down, the situation escalates when a fishing boat catches something huge in its net, and is pulled underwater by the mysterious entity below the surface.