**You can view full the illustrated version of TOP 10 SEXUAL FANTASIES PART 3 at** [https://eroticprose.com/](https://eroticprose.com/top-10-sexual-fantasies-part-3/)
Charlotte sat on her couch, a laptop in her lap, scanning the list on the screen. In her brain, she checked off the sexual fantasies that she had completed. Each one brought back memorable moments, and she could see the faces of the multiple men and women who had made it possible.
Her boyfriend James was central in all of them. They worked together and now play together in a continuous effort to work their way through the list of ten fantasies. Seven fantasies were down, with three to go.
She looked at the list: sex between a student and teacher; sex between a patient and a doctor or nurse; and, sex with a virgin or pretending to be a virgin.
Charlotte’s cell phone rang and she saw James’s name.
“Hey.”
“What are you doing? And are you naked?” he asked.
“Looking at the list, and almost.”
She considered a long t-shirt over nothing as almost naked. James had seen her in far less.
“How many are left on the list?”
“Three,” Charlotte said. “Want to hear?”
“Of course.”
She rattled off the items and waited for his response. After a short pause, James said, “Seems to be playing a virgin student shouldn’t be too difficult for you.”
“That’s what I thought, too. I just need a teacher.”
James smiled to himself. “Looking for volunteers?”
“Can you teach?”
“I have a Masters in teaching virgins how to have sex,” he said.
“I was afraid of that,” Charlotte said with mock anger.
“Will you dress up as a schoolgirl?”
This time Charlotte smiled. “A sex-deprived, virgin schoolgirl hot for teacher.”
“God, Charlotte. Stop. You’re going to make me cum.”
“That’s one more off the list,” she said.
They talked for another fifteen minutes making the arrangements of when and where they would meet. They settled on James’s condo over the weekend. It would give Charlotte time to find the right outfit. James wasn’t sure his cock could last that long, knowing what the twenty-eight-year-old brunette would look like when she arrived. If James knew one thing about his girlfriend, it was that she never skimped in making the fantasies realistic, and stimulating.
It had been ten years since Charlotte played a virgin in real life, but she was confident it would all come back to her.
###
Charlotte was made for the role of a schoolgirl. Her long, brown hair was cut in the style of a much younger girl. Her plentiful breasts were perfect for teasing the teacher. Charlotte’s tanned, shapely legs would tempt any lecherous old man, not to mention a boyfriend her own age.
She was excited about making the trip to the adult costume store and hurried into the shop the next day after work. The young man who assisted Charlotte seemed more than happy to survey every inch of her while pulling several costumes off the rack for her to choose from.
Charlotte started to think that maybe sex with an adult costume store clerk might not make a bad fantasy.
In the end, she chose an outfit consisting of shiny black ankle strap shoes; knee-high white socks; a pleated red plaid miniskirt; and, a long sleeve vest-style top that buttoned down the front, or at least what there was to the front.
For the small amount of fabric involved, the costume cost more than Charlotte would have expected. But she figured the benefit of wearing it would be priceless.
Saturday couldn’t have come soon enough for the couple. Charlotte prayed she didn’t get pulled over on her way to James’s, and he prayed he could play the role of a groping instructor before simply ripping Charlotte’s clothes off.
Of course, he had already done that when they fulfilled her fantasy of being forced to have sex in an elevator at work. A three for one deal, resulting in massive orgasms for both of them.
Charlotte arrived safely, grabbed her schoolbooks from the passenger seat, checked her hair in the mirror, and headed for the front door. She was completely in character about the time she rang the doorbell.
James opened the door and Charlotte said in her cheeriest voice, “Hey, Mr. Sparks. Am I late?”
She held the books in one arm, forcing her right breast to practically fall out of the low-cut and tight top. Her legs were crossed at the ankles.
“Not at all, Charlotte. Come on in.”
James scanned her from head to toe as he closed the door. His cock responded faster and stronger than even he expected. This was going to be hard…in more ways than one.
“It’s so awesome that you agreed to meet with me like this. I think it’s going to help a lot,” Charlotte said in her sexiest voice.
“I hope so,” James replied. “I’m always more than willing to work with my best students.”
Charlotte started down the hallway, swaying her ass inside the little skirt much to James’s liking. Her heels clicked on the wood floor.
“We’ll go into the kitchen, Charlotte,” James told her.
She turned into the spacious room and headed straight for the table at the far end. Charlotte set her books down, pulled out a chair, and settled into it with a smile.
“Can I get you something to drink?” James asked.
“Margarita?” Charlotte replied.
James grinned. “I think you’re too young for that, Charlotte. And besides, you’re here to study and learn, right? How about a Coke?”
“Oh, alright Mr. Sparks,” she pouted. “I’m not old enough for alcohol. I’m not old enough for sex. I hate this.”
James pulled the sodas out of the refrigerator and poured them into glasses. “Are you a virgin, Charlotte?”
“Yes.”
He put a straw in Charlotte’s drink and took both glasses to the table. He gave Charlotte hers and sat down in the chair around the corner of the table from her. Her legs were crossed and the short skirt barely covered the tops of her thighs.
“Waiting for the right guy?” he asked, watching her daintily slip the straw between her lips.
“Yep. All the guys at school are jerks. All they want to do is get me alone in the locker room or something.”
James glanced inside Charlotte’s top, marveling at the perfect curve of her breasts and the smoothness of her skin.
“And what do YOU want, Charlotte?”
She sucked on the straw for a few seconds and ran her tongue around it. “I want the first guy to know what he’s doing; to make me want to fuck him.”
She put her hand to her lips. “Oops. I mean have sex with him. Sorry, Mr. Sparks.”
James smiled. “It’s alright, Charlotte. We’re alone. Want to get started?”
Charlotte opened one of her books and put it between them. She leaned forward and offered James a whole new view of her cleavage. She said, “I’m having trouble with this part right here.”
James got out of his chair and stood next to her. From there, the only thing he couldn’t see down her top was her nipples themselves. He glanced quickly at the book and saw that it was History.
“Well, Charlotte, the Middle Ages represented a time when women were totally dominated by the male members of the family,” James said. “They were expected to obey not only their father but also their brothers. If they didn’t, they were beaten into submission.”
Charlotte looked up with wide eyes.
“At the same time,” James continued, “every king during that period had a queen or a mistress who had almost as much power as him.”
“I think I would have made a good mistress,” Charlotte said.
James moved behind her and put his hands on the top of her arms. “A king would have been very happy to have a virgin mistress.”
Charlotte felt her body shiver as James’s hands moved up to her shoulders and neck. He pushed her hair aside and felt her warm skin. His fingers slid down the top of her chest.
“Anything to keep from being beaten into submission,” Charlotte said quietly.
“I don’t think the girls of today would have liked being so submissive,” James said, his hands beginning to disappear inside her top. “Would you?”
She hesitated, and then said, “It depends.”
James opened the top button of Charlotte’s shirt. And then the next button. There were two more, but the areolas around her nipples were already starting to show. James didn’t stop until each button was open and the shirt hung limply over her tits.
“A king would have known what he was doing when it came to women, Charlotte. And he had ways of making you want him,” James said.
His hands slid directly on top of her tits, massaging them for a few seconds before gripping her nipples and squeezing them tightly. Charlotte gasped out loud.
“What’s that tingling between my legs?” she managed to say.
“That’s me making you want me. Your body never lies, Charlotte. And your pussy most of all.”
James began to pull off her top. She leaned forward and allowed him to slide the sleeves down her arms and remove the top completely. He laid it on another chair.
His hands returned to her breasts.
“You have beautiful tits, Charlotte. Most girls your age aren’t so lucky.”
“Michael, in my algebra class, told me once he wanted to suck on my tits. Why Mr. Sparks?” she asked.
James walked around to the front of her chair. Charlotte spread her legs and let him stand closer. He immediately leaned down and began licking her left nipple. Soon, he had it between his lips. Then, a good portion of her tit was inside his mouth and James’s tongue was sliding across her nipple.
“Oh God,” Charlotte murmured.
James bit harder and licked a little faster. The nipple doubled in size. Then he moved to the other breast and did the same.
“Ohhhh, Mr. Sparks. My pussy. It’s…it’s…starting to throb.”
“Touch it, Charlotte.”
Her hand slid up the inside of her skirt and onto the thin material of her bright red thong. James was certain from the motion of her hand that she wasn’t faking it.
“Does that help?” he asked, taking his mouth off her tit just long enough to speak.
“I don’t know,” she answered. “I’m getting wetter.”
“I think I can help if you’d like.”
Charlotte nodded. “I’d like you to help me, Mr. Sparks.”
“Stand up, Charlotte.”
She pushed the chair back and stood in front of James, her magnificent breasts glimmering from the moisture of his tongue.
“Take off your skirt.”
Charlotte pulled down the tiny zipper at the side and loosened the skirt. Never letting go of it, she pushed the skirt down her legs, bending at the waist as she went. She stepped out of it and put the skirt on top of her previously discarded top.
James never took his eyes off her full breasts and thong covered ass while she undressed. But now he stared at the minuscule, triangular piece of material that attempted to hide her pussy. Below that, her black shoes and white socks highlighted her long legs.
Charlotte squeezed her legs together and turned slightly to the side in a display of bashful innocence.
“You’re very beautiful, Charlotte.”
“Thank you, Mr. Sparks,” she almost whispered.
“Now take off your shoes and socks for me. Please.”
Charlotte put one foot on the seat of her chair and unbuckled her shoe. While the leg was still raised, she slowly slid the sock down. Then she did the other leg, only slower, and making certain that James had a prolonged view of her ass.
James moved up to her once she was standing again. He put his hand on her pussy.
“Are you still throbbing, Charlotte?”
She nodded.
“Are you wet?”
She nodded and he confirmed it.
“Do you know what that all means?”
She shook her head.
“It means you want to fuck me.”
“Do you know what you’re doing, Mr. Sparks?” she asked.
“Yes. And I made you want to fuck me. I think I meet all your criteria, Charlotte. It’s time for you not to be a virgin anymore.”
She said softly, “Tell me what to do.”
“Sit on the edge of the table.”
As soon as she was settled, James took hold of her thong and pulled it off her legs.
“Now I’m going to start fixing that throbbing in your pussy, Charlotte.”
He pushed her legs slightly apart with his hands and pulled her forward by the back of her ass. With her pussy right at the edge of the table, James kneeled down and buried his face between her legs.
Charlotte tilted backward until she was lying on the table, moaning at the feel of James’s mouth attacking her clit. She played with her tits while James moved down and probed the inside of her cunt with his tongue. He squeezed her ass with both hands and forced her pussy up into his face. She eagerly submitted to his every movement.
“I want you to fuck me, Mr. Sparks. I want you to be the first,” Charlotte moaned.
“Good girl,” James said. “But you have to get me ready first.”
Charlotte leaned up.
“What do you mean?” she asked.
“Stand up and I’ll show you.”
Charlotte jumped off the table and James kissed her. She could taste her own sweet juices on his lips.
“Take off my pants, Charlotte.”
She had his belt undone and his pants opened within seconds. She let them fall around his ankles while her hand traced the outline of his cock inside his underwear.
“Take it out.”
Charlotte lowered his shorts and let his semi-erect cock fall free. James clumsily stepped out of his pants at the same time Charlotte was kneeling down. She finished the job of discarding the pants, underwear, and shoes. Then she concentrated on his cock again.
“It’s so big, Mr. Sparks. Are you ready yet?” she said.
“Not yet. You need to lick it, and put it in your mouth until it’s good and hard.”
She had her tongue on the cock almost before James finished talking. With long, slow licks from the bottom to the top, Charlotte started to make him harder.
“Like that?” she asked.
“That’s good, Charlotte. Now put it in your mouth.”
She spread her lips and took him in all the way to the balls. James couldn’t imagine any schoolgirl being as good as Charlotte, especially when she began to circle his cock with her tongue and stroke him with her hand at the same time.
It only took a minute for him to be at full erection.
“I’m ready, Charlotte.”
She licked him once more, kissed the tip of the cock, and stood up.
“Lean against the table and spread your legs,” he told her.
Her hands gripped the edge and her ass pointed back invitingly as James got into position. He slid his cock back and forth across her pussy, feeling the warm moisture that was going to make his penetration very, very easy.
“I’m going to enter you now, Charlotte. It won’t hurt. And then we’re going to fuck. I’m going to fuck your cunt until you cum. OK? And I want to hear from you when you cum.”
Charlotte’s heart pounded as he spoke and she almost missed the fact his cock was already at the entrance to her cunt.
“Now, Charlotte. I’m going to fuck you NOW.”
James drove his body forward and thrust his cock deep inside Charlotte’s pussy.
She cried out, “Yes! Fuck me, Mr. Sparks! Fuck me!”
“Open your tight, little virgin cunt for me, Charlotte. Feel my thick cock open you up. Take it all and scream when you cum.”
Charlotte had to brace herself against the force of his thrusts. His legs smacked against her ass and the sound echoed through the kitchen. When his hand closed around her right tit, Charlotte knew it wouldn’t be long before she came. When he pulled on her nipple, her cunt stiffened around his cock.
“Oh God, Charlotte. You’re so good. So tight,” James groaned.
“You’re going to make me cum, Mr. Sparks. It won’t be long.”
They fucked for another couple minutes, the pace and intensity increasing to fierce levels. Charlotte was crying out almost continuously.
But James was the first to give in to the urge.
“Now, Charlotte! I’m cumming!”
James grabbed Charlotte by the hips and held her in place as his cock began to unload with each plunge deeper into her cunt. He watched her ass ripple from the impact of his body against hers. He felt the accumulation of his cum and her juices covering his throbbing cock.
James was almost done when Charlotte cried out, “Yes. Yes!”
The contraction of her cunt muscles was James’s other clue that Charlotte, too, was having an orgasm. She spread out her upper body on the table and rode out one of the longest, strongest orgasms she ever had. James saw her hands trying to grip the tabletop as she moaned louder and louder.
Luckily, he stayed hard enough long enough to satisfy her, and they both collapsed. James’s cock rested on top of her ass, leaking the last few drops of cum onto her bright pink skin.
“Well, THAT seemed to work,” she said.
“There’ll be a quiz later,” James replied.
###
Charlotte seemed exceptionally merry as she strode into James’s office at work. She flopped into the only available chair.
“One more,” she said with a wide smile.
“One more what?”
“There’s only one more thing on the list,” she explained.
“And what would that be?” James asked.
“Sex between a patient and a doctor or nurse. I’m the patient.”
James stared at her. “Can I be the doctor?”
“Why not the nurse?”
James frowned. “Not my kind of fantasy.”
Then he added, “You’re going to try this in real life?”
She smiled. “Sure. Why not? My doctor’s in his fifties. I think I can seduce him and get results.”
“I’m thinking he’s been seduced by patients before and is still a practicing physician because he has refused them,” James said.
“Or,” Charlotte interrupted, “he has been seduced by patients before and has fucked them much to the satisfaction of both the patient and himself.”
“You’re setting yourself up for disappointment,” James said. “I still think you need a fill-in ready and able to play the part.”
“Nope. It’s either the real thing or nothing. You don’t think I can seduce a fifty-year-old man, alone in an examination room, wearing nothing but a robe that ties in the back?”
Charlotte’s hand was inside her partially unbuttoned blouse, cupping her breast in such a way that it was easily visible by James. She played with the nipple and then withdrew the hand, leaving plenty of skin for James to gaze at.
“I want all the details when you’re done,” James said.
###
Charlotte made the appointment for her annual physical and made sure hers was the last appointment of the day, arguing that work made it impossible for her to get in any earlier. She thought she sounded sincere and believed she had won over the sympathy of the scheduling assistant. In any case, it was on the calendar and Charlotte knew she had one shot at fulfilling her fantasy in a realistic setting.
Of all the fantasies she had completed, this one required the least amount of concern over what she wore. By the time the doctor got to see her, she’d be in her examination gown. Charlotte figured she either had the body to make him want to fuck her or she didn’t. And if there was any question in his mind, she’d resort to other means to convince him.
She arrived for her appointment ten minutes early and was called back by the nurse almost half an hour after the scheduled appointment time. Charlotte took this as good news, assuming the office would be emptying out by the time she got to see Doctor Abrams.
The nurse—a cute woman about her own age who Charlotte would have been more than happy to seduce in another fantasy—led Charlotte into a vacant room. The gown was neatly folded on the examination table.
“Undress completely and put on the gown. It ties in the back. Doctor Abrams will be in shortly,” the nurse said mechanically before leaving the room.
Charlotte began to strip, much more nervous than she ever was for a routine physical. She took one last look at her nude body before sliding her arms into the gown and reaching back to tie it behind her neck and in the small of her back. She jumped up onto the table, crossed her legs at the ankles, and pulled up on the bottom of the gown to expose just a bit more of her thighs. And then she waited.
A quiet tap on the door preceded the entrance of the doctor. He was a very average looking man with graying hair around the temples, a pleasant face, and a typical frame for a man his age. Charlotte had been seeing him for almost five years, so nothing about him surprised her.
“Hello, Charlotte,” he said.
She replied with her own ‘Hello’, sitting up a little straighter as she spoke. Doctor Abrams studied her file.
“Routine physical today?” he asked.
“Yes,” Charlotte answered, thinking to herself, ‘Not if I can help it.’
“Any particular problems you’ve been having?”
Charlotte shook her head. “Nope. Nothing that can’t be explained by getting older.”
The doctor prepared to inspect her ears. “I’ll gladly trade you if you think you’re old. Too many days like today and I’ll be ready for the retirement home myself.”
He switched from one ear to the other.
“Bad day?” she asked.
“This flu thing is out of hand,” he said, switching implements to look at her eyes. “People cough one time and they’re in here worried. Stay home. Get some rest. Don’t be spreading it around.”
“You don’t mind the business, do you?”
He smiled as he began listening to Charlotte’s heart, very deliberate in his careful placement of the stethoscope to avoid contacting her breasts.
“No. But it wears an old guy out when people are in here panicking unnecessarily,” he said, moving the stethoscope to her bareback. “Breathe in deep. Let it out. Again. Now cough.”
“Am I your last patient today?”
“Yep. Lay on your back please, and untie the gown at your neck,” he told her.
Charlotte swung her legs onto the table and pulled on the flimsy string behind her. When she was done, the doctor pulled the top of the gown down just enough to get access to Charlotte’s neck and shoulders. He ran his fingers up and down her neck, pushing in gently under her chin on both sides.
“I won’t panic,” she said. “At least not unnecessarily. That should make you feel better.”
Doctor Abrams laughed. “So far you seem pretty healthy to me.”
Charlotte felt her nipples rubbing against the gown, the anticipation of her pending harassment of the unsuspecting doctor making them protrude noticeably. She wondered if he detected it.
When he ran his fingers down the side of her ribs, pulling on the outside of the gown and asking if she felt any discomfort as he pressed in, there was little doubt in her mind that he had to notice. His hands moved to her abdomen and he pressed some more.
“How often do you do breast self-exams?” he asked.
“Several times a year. I can’t tell you exactly how often. Every couple of months, maybe,” she said.
He poked around her stomach.
Charlotte said, “If you wanted to make sure I was current….”
Dr. Abrams looked up at her with a blank expression. “It’s not a part of the routine exam, Charlotte.”
She pushed her gown down until the upper halves of both breasts were exposed. The doctor watched one of her hands slide over her right breast and begin to massage it under the remaining portion of the gown. The more she moved her hand, the farther down the gown slipped.
“I think after a day like today you deserve something other than a routine exam, Doctor Abrams,” Charlotte said in her most tempting voice.
She lightly took hold of the top of the gown with both hands and slithered it below her breasts. The doctor’s eyes locked onto the pair of full tits and their matching erect nipples.
“Examine me, doctor. The way I’m supposed to do it,” Charlotte said.
He didn’t move.
“Please.”
Their eyes met. Charlotte was certain he was pleading with her not to make him do it. But she also saw a middle-aged man’s lust; a temptation that he fought. And then he moved.
His hand reached out and he traced the outline of the base of her breast with a single finger. After one trip around, he put his palm on the outside of the breast and held it softly.
“We shouldn’t be…,” he started to say.
But Charlotte had put her hand on the front of his pants and was feeling for his cock.
“Shhhh. Just relax, Doctor Abrams. We’re alone,” Charlotte assured him.
As she began to rub him harder, he moved his hand so that it covered nearly all of her breasts. Charlotte could feel the cock hardening at the same time he rolled her nipples between his fingers. Soon, she was able to wrap her fingers around the erection inside his pants.
Charlotte let go long enough to push her gown lower until it was around her waist. Doctor Abrams watched as she lifted her ass, raised her legs, and threw aside the gown once it was off.
His hands never left her breasts, and now she could return to his hard cock.
“It’s been a long day. You’ve earned the right to wind down a little. Give me a chance, Doctor Abrams, and I’ll make it all better,” Charlotte said, her grip tightening around his cock.
“Take off your coat,” she told him.
He reluctantly slid off the long, white lab jacket.
“Now your pants,” she said.
“Charlotte.”
“Please. You’ve got my nipples aching and my poor pussy is soaking wet,” she whined.
He had one last look at her gorgeous, nude body before starting to undress. The doctor kicked off his shoes, unbuckled his belt, pulled down the zipper, and lowered his pants. His boxers did a meager job of hiding his erection. Charlotte looked on with glee as he pulled them down and let her see his long, thick cock.
By the time he was finished, she had dangled her legs over the side of the table and faced him. All she had to do was climb off, kneel down, and put her lips on the tip of his cock.
“Wait!” he said suddenly.
The doctor walked quickly to the door and pushed in the lock; then returned to his original spot. Charlotte smiled. She had won.
She put her tongue under his cock, at the base, and little by little worked her way up to the top. It was an agonizing hint of what was to come. She repeated the tease, but never took the cock into her mouth. The doctor had stiffened considerably, however, as a result.
“You have a wonderful cock, Doctor Abrams,” Charlotte said softly. “I’d love to know how it feels inside my cunt. Wouldn’t you?”
He didn’t answer. He was lost in the pleasure of her tongue circling his cock, licking every inch of it on all sides and from top to bottom. Still, he didn’t feel her lips.
“Or do you just want me to suck on it; put it deep inside my mouth and lick it until you’re ready to cum?”
Her words alone might have made him cum. But her naked body and tongue were speeding up the process.
“Do you know what I want, Doctor Abrams?”
“What, Charlotte?”
“I want you to fuck me. I want to lay on the table while you fuck me with this big, thick cock. Please, I need to feel your cum filling my cunt when my own orgasm starts. Or do you just want me to suck you?”
Finally, she wrapped her mouth around the entire length of his shaft and started to bob her head up and down.
After a few seconds, she said, “Well?”
The doctor’s voice cracked as he said, “Get on the table, Charlotte.”
She was on her back, her pussy at the bottom edge of the table almost before the doctor knew what was happening. He managed to walk into a place and put his cock between her widely spread legs, just inches away from her body. If he’d ever been harder or more anxious to fuck a woman, he couldn’t remember it.
Neither of them spoke as he let the tip of his cock crack open the entrance to her cunt. He instantly felt her wetness. He was deliberate and gentle with her. Besides, he loved the sensation of her young, tight cunt wrapping itself around his cock as he drove forward.
They moaned in unison when his cock was in as far as it would go. Doctor Abrams let it sit in her cunt for a few seconds before starting a slow, rhythmic fucking. Charlotte wiggled into a better position and the doctor held her by the ass. Soon, they were both engrossed in nothing but the pleasure of their illicit sex.
Charlotte wrapped her legs around the doctor’s waist, in awe of the fact that a man almost twice her age was capable of satisfying her so much. He was forceful without being aggressive; deliberate without being boring. And she’d never tell her boyfriend, James, that the doctor was at least as big as him.
They fucked for several minutes with Doctor Abrams occasionally reaching up to play with Charlotte’s sensitive tits. She used her own hand to rub her clit. It all brought her closer and closer to an orgasm.
They were both aware of the need to be as quiet as possible, but it was becoming hard to contain their moans. The doctor tried to judge by Charlotte’s sounds how close she was. She tried to gauge the same thing by listening for his grunts and feeling the intensity of his thrusts.
It probably wasn’t a coincidence that as soon as Charlotte began writhing on the table at the start of her orgasm, Doctor Abrams began to pour his cum into her cunt. Charlotte clung to the edge of the table, absorbing his powerful strokes while feeling wave after wave of ecstasy flow through her body. The pure wickedness of their act added to the pleasure.
When it was over, not much was said. Charlotte watched him get dressed and told him how good it was. The doctor helped her put her gown back on and kissed her on the cheek.
Charlotte had performed all ten of the most common sexual fantasies she had found online. She would enjoy telling James about this latest one and working with him to perhaps add to the list. The face of the cute nurse entered the back of her mind.
Source: reddit.com/r/eroticliterature/comments/jmuhu8/mf_part_3_is_the_third_of_a_3_part_erotic_tale_of