McKenna's Fortune — Lauren Wilde

Georgianna Mead fled the staid respectability of 19th-century England to seek adventure in Spanish Florida, an unsavory frontier where Seminole chiefs traded with smugglers. Now, with a dangerous raid imminent, she is forced once more to take to the sea--with a smooth-talking seafarer who offers her more than safe passage home...
Rude, arrogant, and magnificent, Captain Duncan McKenna looks more pirate than gentleman. But fortune has smiled on him. And when a storm leaves him shipwrecked with the tempting Georgianna far from civilization, the fates don't disappoint him. With the discovery of a priceless galleon comes something more precious than gold...and twice as dangerous: total surrender.