I invested a few hundred dollars in one of those pools that you put together. 12 ft round pool. It gives me the chance to lounge and cool off.
Living in a wooded area I also get the chance to be naked in the pool. Although I have neighbors, we are pretty far apart.
I had taken a few days off and was relaxing in the pool when I heard my neighbor. She is 10 years older than me, around mid 50s. medium build about 5'4' or so, married with kids in college. She is near the property line and starts talking. She slowly makes her way over. I can't stand as I'm naked and the pool is only a little over 3ft deep. My guess is she wanted an invite to come in. She gets right up to the pool and was about to put her hand it when she noticed I was naked. She stopped and was a little shocked. I apologized. She said she was surprised but it explained why I was staying close to the edge and not getting up.
I gave her an invite and told her that I would put trunks on if she was to come in. I had never thought of her sexually but with the moment I had a rather hard erection. I kept myself in the water but the water is very clear and there was really no hiding it. She accepted and went home to get changed. I got out and got my swim trunks.
I was standing when she came back and she noticed that I had swim trunks on and smiled. We were in the pool lounging when she commented about me be naked. I told her that with the distance I figured no one would notice and it's a good way to get a complete tan.
Its no big deal. Then she commented on my being clean shaven. I told her it just looked neater.
I took a chance and asked that if it was ok, I would rather lose the shorts since she already saw everything. She was a little hesitant but said ok.
We continued to talk when I started seeing her nipples were getting hard. The water was in the high 80's so it wasn't that. I was semi hard and made a point of standing a few times and then floated on my back. I'm larger than average.
We had been floating around a little with some small talk. She commented on how casual I was about being naked. I explained that its not like we don't know what we all have. To which she said yeah but shape and sizes are not always easy to tell, except boobs that is. She also threw in that my wife was lucky. I let it go but my dick didn't. It acknowledged her comment by getting harder. I couldn't stop it.
Floating on my back and now I have a pole point up. I commented so much for a relaxing lounge. She looked confused and I said well we both have hardness issues going (as I looked down at her chest).
She then commented that she hadn't seen a naked guy in years other than her husband and now has one only a few feet away. She added not to mention you are big. That was it. I was rock hard and pointing straight out.
She reached over and took me in her hand. Then the other hand came over and she started to lightly stroke me. I reached down and started to finger her. It didn't take long for either one of us to come.
We have had a few other encounters in the pool since.