Note: this short story is set in a place where all activity that occurs is legal. All characters are at least 18 years old.
*****
Matthew decided to go for a swim in the pool in the outside garden to cool down after his hard workout. He was very happy with how his body was coming on; he had a muscular physique with defined pecs and abs and thick muscle-bound arms and legs. Matthew walked outside wearing just his boxers; their house was isolated with just one neighbour nearby and he wasn't worried about anyone seeing him.
Matthew swam a few laps before getting out of the pool and laying on a lounger to soak up some sun. He pushed his wavy blonde hair out of his eyes and put on some sunglasses. After a minute he heard a noise near the fence between his garden and the neighbours. He walked over to the fence and saw someone backing away - it was his neighbor Ava. Ava was 5 foot 7 inches tall, had long black hair and was 18 years old. She had her hand in her bikini panties.
"Matthew, I was just... Hi, how are you", she quickly removed her hand.
"I'm good", Matthew replied distractedly, looking at Ava's tits barely covered by a bikini.
Ava had a great body and he sometimes watched her sunbathing from his bedroom window. He had jerked off multiple times watching her lay in her garden barely wearing anything. And it looked like she was doing the same thing to him.
"We're you just..." Matthew asked, looking at her flushed face. She hesitated, her face getting even redder, before nodding sheepishly.