Sunbathing in My Garden

We've had a really hot day today and after I'd been to the gym for my early morning workout I returned home and decided to take advantage of the sun by doing some sunbathing in my garden. My husband was at work and would be for the rest of the day so I knew I had the rest of the day to relax by myself. I went up to the bedroom and changed out of my gym clothes and had a quick shower after which I slipped on my dressing gown and went to make myself a drink and moved outside into the garden, and got the sun lounger out of the garage and set it up in the best position to get some sun to my body.  We live next door to a young couple who both work, so, being a weekday I assumed that they would be out at work an that I would have privacy for some sunbathing. There is a fence between the houses as well, so I could only be seen from the upstairs bedrooms of the neighbours house.  This being the case, I slid off my gown and lay out on the lounger, feeling the air and sun aganst my naked body. I was enjoying my cold drink and starting to feel relaxed. To be truthful, I was starting to feel really horny, as being nude outdoors has always made me feel a bit turned on. I started daydreaming about some nice fantasies and soon felt a strong desire to pleasure myself. I'd not done that in my garden before and was not sure if I had the nerve to do so now, but it was all so calm and quiet that I did gently start to brush my fingertips over my stomach and breasts. This got me even more aroused, and I was thinking about going inside, when I opened my eyes and I felt sure I saw something move in the upstairs window next door. I tried not to react too much and waited a minute or so, keeping the corner of my eye on the window. Sure enough I saw movement there again, and this time I could tell it was definitely someone up there. It had to be my neighbour and from the short hair it was obviously the husband of the couple next door. I didnt want to let on that I knew he had seen me. I'm not worried at all about someone seeing my body, but I didn't want him to know I'd seen him. I'd always thought he was quite cute. Far too young for me really, but I'll admit he's been the source of a few nice fanstasies in the last couple of years since they moved in. I was so turned on knowing that he had seen me, and now felt so horny I knew I had to masturbate. I was feeling very naughty by this point so I slid my hand over my body and let my hand fall to between my legs and started to rub, lightly at first, up and down, feeling how aroused I'd become, but stopping myself going any further. With my eyes closed for the most part, though with occasional furtive glances up to the window, he was definitely still there, clearly watching me. After a few minutes I was totally lost in my arousal, all the more so for the knowledge of having my cute little audience. After a while, I got up and walked indoors and I knew I was going to have some fun with him now. I couldn't resist it, I was so turned on now and it was just too good an opportunity to live out a fantasy of mine. So with my robe back on, I grabbed some clean clothes, some very skimpy, lacy underwear and a summer dress, I went round to next door and rung their doorbell. He answered the door after quite a while and looked a bit sheepish. "Hi, I'm really sorry to bother you, but I was just about to have a shower and for some reason our hot water doesn't seem to be working. I'm all hot as I was in the garden sunbathing, and really need a shower so I wondered if I can use yours?" I said, trying to seem as innocent as possible. "Yes ok, thats fine, please come in." He said. He showed me inside and asked if I'd like a drink.  "That would be great, a nice cold juice would be perfect." I replied. He showed me upstairs and said I could use their shower. "Thanks so much for this". I said. "It's really helping me out". So I put my clothes on their bed and slipped off my robe and got in the shower, enjoying the sexy feeling of being aked in someone elses house. I deliberately didn't fully close the door, wondering if he'd want another peek at me while I was showering. Wen I was finished, I dried off ith the towel He'd given me, and lay down on their bed. I couldn't resist looking in their bedside draws, looking for his wife's underwear to see if she wore anything naughty to turn him on. I found some, some pretty little knickers and could just imagine her in them with him watching her dressing, or undresssing. It was so arousing, being in their bedroom, just the other side of the wall to our own, as I wondered what they got up to in here. Did he masturbate while thinking about her? or me? What turned him on? I guess watching me earlier had done as he didn't stop looking while I was sunbathing. I let my hand fall between my legs and started to touch myself, feeling my arousal. I lay back onto the bed and, completely naked and with the door still open, began to masturbate.  After a few minutes I heard him call up "everyhing ok?" I just carried on, pretending not to hear him and as I heard him come up the stairs my level of horny went through the roof. I knew I was about to come. I heard him at the door, he had to have heard me moaning now, and I could sense his presence at the entrance to the room. I just carried on pleasuring myself, eyes closed, head back on the pillow. As I orgasmed, the pleasure was so intense, knowing he was right there watching, not knowing I knew he was there. At that moment I opened my eyes and looked right at him, standing there, mouth half open. "Oh my! I'm really sorry, I didnt know you were there." I said, innocently. "I hope you don't mind I was feeling really horny after my sunbathing and felt the urge to pleasure myself." "No, no, that's... That's ok." He spluttered out. "Were you watching me masturbate?" I asked seductively. "I... well, no. I mean, I was but I'm sorry I didnt mean to." He said nerviously. "It's ok, I dont mind you watching me. I hope I didn't embarrass you?" I asked. "Erm, maybe a little." He said, clearly feeling embarrassed as he'd gone bright red. "Well I'm sorry if I made you feel uncomfortable." I'm a very sexual person and I get the urge to masturbate quite often. What about you? Do you pleasure yourself?" "Er. Well. I havent... I mean. Not today." He said I laughed. "Well thats ok, I wasnt checking up on you." I said. "There's still plenty of time left today isn't there?" "I guess so." He replied. "Do you ever masturbate while thinking about me?" I asked him. "No" He said, clearly he had from his reaction. "Oh, im dissappointed". I said in faux disgruntlement. "Well, now you've seen me naked, perhaps you might want to?" I said, suggestively. "I'm.... I dont know, maybe..." He said. "Well, it's time I headed home." I said, getting up and putting on my underwear and slipping on my dress. "I'll see myself out. Thanks again for the shower, have a great day." I left him to it, and went home to relive what just happend and tried to listen through the wall to see if I could hear him pleasuring himself over me.