"Why, hello there, sailor." The mermaid had a mischievous grin on her face as she eyed you up and down. Her dark hair was wet and cascading down her arms, which ended in hands that were running down her very slick reddish-orange fish tail. She moaned seductively, eyes closing for a moment and looking back at yours. Such deep sparkling orbs, like you could get lost in those eyes, held your eyes captive... when they weren't glancing down at those massive breasts or sexy tail that very lazily lifted up and down as the warm shower water came down over her. Her full tail didn't even fit into the tub, as the lower half of it came over the edge of the tub and on the tile floor, ending in orange flowing, fishy fins.
She moaned again and looked up at you? "Well? Are you going to stare or are you doing to mate with me? You look like you are very ready for it..." Indeed, your hard-on was still very much in your hands, and probably throbbing more than it was before. You struggled to get the words out for a split second. "Uh...h.. how?" She smiled and her left hand drifted down to a spit just below her waist, after where human skin turned into fish scales. Her fingers moved up and down in a line in one spot, and something start to open up. A reddish slit opened, revealing what was clearly her pussy. Rubbing the nub inside that was her clit, she moaned and her mouth opened in pleasure. "Please, my sailor. Your mermaid needs you badly..." Kneeling down, you get on top of her, and you're able to maneuver your hard cock inside her, thrusting into the tightest pussy you had ever experienced. You were actually having sex with a mermaid.
She moaned into your ear as her hands gripped your hips and then whispered "Oh yes, my love. It's time to join me... join me as my merman." You were too lost in the pleasure at that moment to realize what she truly meant, thinking it was just sexy talk. But her pussy seemed to clench your cock even tighter and you couldn't really feel the thicker fluid her pussy was producing that was being absorbed by your cock.
And that was when the scales came... teal fish scales that started to form over your skin beneath your waist.