Riley Montgomery lives to ride. On weekends, she brings in cash by barrel racing. During the weekdays, she works as a receptionist at a law office in the city. On a routine rodeo outing, what is originally perceived as a spot of bad luck outside the small town of Whispering Pines is actually chance, opening a door to her otherwise predictable, urban future.
Prompted by an unexpected tragedy, Riley takes charge of her life. She buys a fixer-upper near Whispering Pines and spends her time working on the house and caring for her horses, and yet, something is missing. A friendship develops with a local man but the relationship goes no further, partly because of miscommunication but also due to Riley's heated romance with a man back in the city.
With sometimes amusing results while adjusting to country living, Riley encounters misfortune and hardships as well. Facing the challenges head on with a positive attitude, Riley discovers many things along the way, including where her heart truly lies.