I guess we were around 14 or so that summer. My family lived near the beach and my cousin's family, lived in the inner city. Not a great area, so that summer my parents invited her to spend her vacation with us. She was my favorite cousin. We had played cowboy and cowgirl whenever the families got together. Never anything more, even though I secretly lusted for her. She had lots of boyfriends but we always joked that if we weren't cousins, we'd get married. I was very shy and at 14, still a virgin. I wasn't sure about her but it didn't matter. I still wanted her.
I had no unrealistic expectations but a guy could dream, couldn't he?
She stayed upstairs with my sister. My room was in the basement, away from everyone else, and my windows looked out into the backyard. It was below ground level and faced away from the walkway so I usually left the windows open for the breeze. Since no one ever came back there I felt completely alone and comfortable leaving the blinds up so it'd be cooler.
Obviously at 14, jerking off was my favorite thing to do so I thought nothing of it. And having my cousin in the house, only made me do it more. But approach her? No way!
One night, during a marathon masturbation session, I actually fell asleep with my cock in my hand and cum on my belly. As luck would have it, my cousin had come out for a walk and seeing my lights on, knelt down to talk. She bent her head through my open window to call out to me, waking me up with all my splendor showing. But instead of just getting out of there, she jumped down and sat on the bed with me. I tried to cover up, but she stopped me. That was when I found out just how much more experienced she was than me, apparently. Without saying a word she just leaned over and kissed me, but no more cousin kissing. This was for real. To say that my tongue had never touched another's tongue would be an understatement.
Even after jerking off and cumming, I got another erection right away and she noticed it, of course. I was totally embarrassed but before I even had time to react, her mouth was on it and I exploded. She kept my cum in her mouth and kissed me with it, and I was hooked. We didn't say anything, just went with it. She took her top off and my 14 year old self got his first look at the most unbelievable tits I had ever seen. Even better than Playboy.
She motioned for me to kiss them and once I started I just couldn't stop. Started sucking on them like my life depended on them, and it did.
Trying to keep as quiet as possible and not even thinking of any consequences, she took her shorts and panties off and I saw my first live pussy. Her bush was thick and dark and I loved it. She got on top of me and wanted me to get hard again and fuck her, but after an all night masturbation session and added blow job, I was too soft to enter her. Fortunately she understood, so we just laid there for a while, making out and fingering each other. Her pussy felt so nice and she fingered my ass, sending me out of this world.
After a while we heard voices so she got back out through the window.

Obviously, the next morning was interesting. Kicking each other under the table. Sneaking smiles at each other. But the stress of not being able to touch each other during the day was excruciating. We also had to be very careful not to let my sister get suspicious. My parents were clueless so that wasn't an issue but I'm pretty sure my sister knew something was up. She never let on but I think she knew.
It wasn't easy but I kept my hands off my cock all day so as not to waste any cum, just in case I needed it, and as it turned out, that was the right call.
We didn't say much during that next day, and I went to bed early. Wasn't really sure what to expect but was hoping. Left my windows open again and damn if she didn't do it again. But this time I was ready for her.
She came in and went right for my cock.
At 14, that was all I needed. I really wanted to draw it out, but my 14 year old cock had other ideas and I came in her mouth as soon as she touched me. I wasn't even hard yet. I was so embarrassed but she was having so much fun with it that she didn't care. Then came my test. She said that if I wanted anything more I had to do what she wanted. She pointed to her pussy and my mouth. What I really wanted was to fuck her brains out but that wasn't gonna happen then. I figured it was only fair so I dove in and to my surprise, it was actually fun. She squirmed around and I could taste her and I loved it. I honestly don't know if she really came that first time but she said that she did and that was enough for me. I laid back and she started to jerk me off and I got hard pretty fast. She straddled me and let my cock in. I actually didn't have to do anything. She just bounced up and down and I could feel myself cumming in her right away. After my cock got soft she just laid on me and we felt my cum on both of us. Took about an hour or so when we figured she'd better get back upstairs before she was missed. She helped me clean up and we spent way too long making out before she left.
The rest of that summer was a blur of us just fucking around as much as possible and to this day, I cannot believe how stupid we were to fuck without condoms, but then how was my 14 year old self gonna go out and get some. I guess we were just lucky, but damn, can you imagine what would have happened if she got pregnant? To this day, I shudder at the thought.
That summer was the only time we did it, and I don't regret any of it. Seriously my fondest memories.