Had fantasized, but doubted it would ever happen to me.
It was summer break after second year in college, and as it wasn't unusual to just pop in, I stopped by to see my my friend James, no one answered the door when I rang, so I went around back to see if anyone was in. Everything was quiet so I walked over to the pool, and there was Minnie (James' mom) sunbathing nude. She's not a knock out at 45, but still very attractive with a nice figure.
I don't know how long I watched her, but all of a sudden she noticed me staring. She hopped up, wrapping her towel around her, and started reading me the riot act about spying on her, and that if I was younger she would probably spank me for punishment. Finally, I stuttered maybe she was right that I needed a spanking. She said since I had seen her naked, I should strip and lay across her knee for the spanking. I was still partially hard from watching her sunbathing, and the feel of my cock across her thighs, and somehow the slight sting of her hand on my ass was giving me a full on erection, even leaking pre-cum on her legs.
When she stopped, and I got up, she apologized and said maybe she spanked me too hard, and I should spank her also. With that she dropped the towel, and laid across my lap with my hard on pressing into her thigh, I played with her pussy more than spanked her for a few minutes while she ground her pussy against my thigh. She came at least twice like that before sitting up. She noticed I was still hard(I hadn't come yet), and asked if she could watch me come. I then stood in front of her and began to stroke my cock, she watched intently as pre cum would form and I would slow down, when I finally did cum, I shot several streams on her chin and onto her hard nipples. I hadn't noticed, but she was also fingering her clit and came shortly after.
After a quick swim, she told me my friend and his dad had gone fishing for the weekend, and wouldn't be home for two days, if I was interested in staying over, I was, and I did.
We'll talk about that another time.