In Deep Waters — Melissa McClone

Long ago and far away...there was a world filled with light and laughter and love. But quakes buried the land deep below the sea. Slowly the people adapted to their new world. But a civil war broke out, forcing the king of Pacifica to send his four children far away, each with a guardian and a piece of the royal seal.

Twenty-five years later, it was time for the siblings to be reunited -- and reclaim what was lost. Natural beauty Kayla Waterton had always avoided the sea -- she'd sensed its secrets...and its danger. But a chance-of-a-lifetime search expedition for a sunken ship could lead to answers about her mysterious past...and passion in the arms of modern-day pirate Captain Ben Mendoza....

A Tale of the Sea