Murder on the Bay has a start with a woman sailing, and then tragedy strikes. Private Detective Martin Payne gets hired to investigate and finds a lot of twists and turns of who could be the suspect. The state police get involved as Officer Owens takes charge of the case. Then another character comes into view, one who is doing illegal activity and is known to be a not-so-nice person. FBI Agent Penski takes over, and there is more than one case going on simultaneously. Some more twists and turns, and another tragedy happens to another person. Finally, an end is in sight, but who did the crimes?