Love, Death, or Mermaid? in Bloomington, MN

Opportunity knocks on the humblest of doors. But it knocks only once.
When an overheard conversation leads to a hunt for a long-forgotten pirate's treasure in the sunny tropics, Herbert can't believe his luck. With shipmates including the charming if somewhat feline-featured Katie, a suave and dapper captain, and a hyper-competent crew, such an opportunity seems too good to be true.
And we all know how
that
usually turns out.
He soon discovers that said adventure vacation of a lifetime comes with minor downsides, such as being hunted by giant sea monsters. Including an alluring—if somewhat bloodthirsty—mermaid. Additionally, the term 'lifetime' refers to a significantly shorter time-frame than he envisioned.
Set sail on the high seas of Arvia! (Must supply own cutlass.)