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d-z20 · 1 month ago

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The Agent Next Door (NSFW)

Pairing: Agent Rio Vidal x Reader

Summary: You don't really talk to your (extremely attractive) neighbour, Rio Vidal, until one day an accident leads to you staying at her apartment for a couple of days. And an awkward encounter results in having your fantasy come true. -OR- Rio finds you injured after you slipped and fell out the shower and decides to look after you (non-magic AU)

Warnings: 18+ MDNI, blood, small injury, fluff, smut, fingering (R receiving), oral (R receiving)

Words: 3.4k

A/N: Just wanted to write a bit of Rio caring for reader and well then it turned into smut and I have no regrets. Also I have their whole relationship arc in my head now lol

AO3 | Part 2 | Part 3 | Master List

The Worst Morning Of Your Life (so far)

Rio Vidal is your neighbour. You've noticed her plenty of times before—a striking woman with a sharp, confident look that's hard to ignore. You live in the same apartment building, just across the hall from one another. Most days, your interactions are limited to polite smiles and brief chats in the elevator, her dark suit and badge often catching your eye. You've heard her phone buzz with work calls that end with her curt, professional voice. It's obvious she's someone important—serious and dedicated. You've pieced together that she's an FBI agent, but beyond that, you don't know much about her.

You can't deny that you're drawn to her, though. There's something about the way she carries herself—all self-assured and enigmatic. You've caught yourself staring a few times, your heart skipping a beat when she looks back and flashes a rare, amused smile. It's not just her looks—it's the way she moves, the air of mystery she carries, like she's seen things you could only imagine. It makes you nervous, but at the same time, you can't help but look forward to those fleeting moments when your paths cross.

One morning, your shower decides to betray you—your hot water cuts out just as you put your head under. You let out a bloodcurdling scream, quickly trying to jump out of the shower. Unfortunately for you, your foot slips on the hard floor, and you come crashing down, hitting your head on the sink, landing with a very loud thud. Dazed and confused, you are unsure if you passed out for a second there or not, but either way your head is killing you.

"Fucking brilliant," you mutter to yourself, draping an arm across your eyes to shield them from the light.

At that moment, you heard your front door slamming open and hurried footsteps searching your apartment. You had just about enough sense to yank your towel off the hook and cover up your naked body.

"Y/N?" called a voice just outside the bathroom door.

Shit. It was Rio. You wished the ground would just swallow you up.

"Are you okay? I heard you scream, and then I heard something shatter." You could hear the genuine concern in her voice.

Lifting your head slightly, you noticed the shards of glass from what used to be your bathroom shelf, surrounding you. All you could do was let out a groan and close your eyes at this new development of what was turning out to be the worst morning of your life so far.

This was a bad choice, as a split second later, Rio barged into your bathroom.

"Well, aren't you a sight for sore eyes?" Your neighbour teased, but you could hear the relief in her voice. She moved further into the room, assessing the damage. "Not to ruin such a perfect morning for you, but I might have broken your door getting in here."

You open your eyes, blinking up at her. Taking her in, you noticed she was wearing a cropped baggy tank top and gym shorts. You blink up at her again, and your head throbs with each beat of your pulse, the pain radiating down your neck. You're still dazed, trying to process how you ended up sprawled on the cold bathroom floor with your FBI agent neighbour standing over you. Rio's sharp eyes take in your silence, concern clouding the playful smirk she'd worn just moments before.

"Hey," she says, voice softer now, as she crouches down beside you. She reaches out, fingertips gently brushing your cheek to turn your face towards her. "Y/N, can you hear me? Do you know who I am?"

You swallow, trying to focus. Her touch is surprisingly tender, a stark contrast to her usual no-nonsense demeanour. You nod slightly, the movement making your head spin. "Rio," you manage to croak out. "Neighbour, FBI agent. And, apparently, a door kicker."

She huffs a laugh, a brief flicker of relief crossing her face. "Good. That's a start. I don't usually make a habit of barging into people's bathrooms uninvited, but I heard that scream, and... well, I'm glad I did." Her eyes drop down to your arm, where blood seeps from a jagged cut. She curses under her breath, her grip on your shoulder tightening just slightly. "You're bleeding. We need to get you cleaned up."

You glance down at your arm, wincing at the sight of blood trickling down to your hand. "I really know how to make an impression, huh?"

Rio shakes her head, lips pressed together in a tight line. "Let's save the jokes until you're not covered in glass, yeah?" Without another word, she slips an arm under your shoulders, helping you sit up. The world tilts slightly, but her hold on you is firm, steadying you as you get your bearings.

"You're going to have to trust me for a minute," she tells you softly. "Can you stand?"

"Maybe," you say, though you're not entirely sure. She helps you up, careful not to jostle your injured arm, and you try to ignore the heat of her skin against yours, the way her fingers dig into your side just enough to ground you.

Rio's eyes dart around the room, quickly assessing the mess of broken glass and water pooling on the floor. "Alright," she says decisively. "I'm taking you back to my place. We'll patch you up there. Your shower is out of commission, and I don't trust that you won't take another tumble if I leave you alone here."

You don't have the energy to argue, so you just nod, letting her guide you out of the bathroom. The two of you make it to the hallway, but not before she grabs a spare towel and wraps it around you more securely. Her movements are quick and efficient, but there's a gentleness to them that surprises you. It's a side of Rio you've never seen before—one that's patient and caring, not just the tough, sarcastic woman you've exchanged pleasantries with in passing.

As you step into her apartment, you notice it's much more personal than you'd imagined. There are framed photos on the walls—nothing too sentimental, mostly candid shots of places she's travelled to, city skylines, and sunsets. Her living room is cosy, with a worn leather couch and a small stack of books piled on the coffee table.

"Sit," she instructs, pointing to the couch. You sink down into it, feeling strangely out of place but oddly comfortable. Rio disappears into the bathroom for a moment, returning with a first aid kit. She kneels in front of you, carefully prying your hand away from your arm.

"This is going to sting," she warns, pulling out an antiseptic wipe. You flinch as she cleans the cut, her brows knitting together in concentration. "Sorry," she mutters. "I'm used to dealing with criminals and suspects, not clumsy neighbours."

"Criminals don't trip in the shower much?" you quip, trying for humour despite the pain. It earns you a small smile from Rio, her eyes flicking up to meet yours.

"Not usually, no. Though I'll admit you're far more entertaining." Her voice softens again, the smirk fading as she wraps a bandage around your arm. "You scared me for a second there, you know."

The confession catches you off guard. "I did? you ask, watching her face as she finishes tying off the bandage.

She doesn't look up, her focus still on your arm. "Yeah," she says quietly. "I thought something bad had happened. Guess I care more about my neighbour than I realised."

Your heart skips a beat, the words hanging in the air between you. It's the first real admission of anything beyond casual friendliness, and it leaves you breathless. You're about to say something—anything—but Rio stands up, offering her hand to you.

"Come on," she says. "Let's get you some proper clothes and maybe a coffee. You can stay here until we sort out your door and shower."

Rio's grip on your hand is firm as she helps you up, her expression still hovering somewhere between concern and her usual, dry amusement. You follow her into the kitchen, and she releases you, motioning for you to sit at the table. It feels strange being here, in her space, especially after the chaos of your morning. She pulls out a chair for you with a slight roll of her eyes, as if it's absurd that you'd even try to resist her instruction.

"I don't have any shifts for the next two days," she announces, moving towards the coffee maker without glancing back at you. "And considering you might've blacked out for a second back there, I'm not letting you out of my sight. So, you're staying with me, here, until you're back on your feet properly."

You open your mouth to argue, but the look she throws over her shoulder silences you. It's one part worry and two parts something else—something softer, almost protective.

"I can manage," you say, but your voice lacks conviction, especially as you rub your throbbing arm. The bandage is already starting to bleed through a bit. Rio's eyes narrow at the sight, and she steps closer, prodding your arm gently.

"Yeah, you're doing a great job," she says dryly, then nods to herself. "You're staying here."

"Fine," you sigh, though part of you feels a flutter of something—relief, maybe, or the thrill of being looked after by someone like Rio. "But I can sleep on the couch. I don't want to kick you out of your bed."

Rio's lips twitch into a smirk. "I'm not letting you take the couch. You've already proven that you're a danger to yourself in any situation that involves standing up."

You can't help but laugh, despite everything. "So, what, we share your bed?"

She raises an eyebrow, as if daring you to challenge her. "It's a queen size. I think we can manage. Unless you've suddenly developed a fear of co-sleeping?"

The thought of sharing a bed with her sends a rush of heat through you, but you try to play it off with a shrug. "As long as you don't hog the covers."

"I'll do my best," she says, the smirk widening.

The first night is awkward, as expected. You lie stiffly on one side of the bed, while Rio takes the other, the space between you feeling like a chasm despite the closeness. She's warm though, and you can feel the heat radiating from her body and the subtle scent of her shampoo filling your senses. It's both comforting and maddening, making it hard to fall asleep. You’re hyper-aware of every shift she makes, every time her arm brushes against yours. At some point, she turns onto her side, facing you, and you feel her eyes on you in the dark.

"You still awake?" she whispers.

"Yeah," you reply, swallowing hard.

There's a pause, then you feel her hand brush against yours. It's light, almost as if by accident, but when you don't pull away, she leaves it there, her fingers barely touching yours.

"Try to get some sleep," she murmurs. "You need to rest."

"Alright," you say, voice hoarse, and somehow, with her so close, you finally drift off.

Over the next day and a half, the tension between you shifts, It's subtle at first—small, lingering glances from Rio that last a bit too long, the brush of her fingers against your back when she helps you into the kitchen. Her sarcasm returns, but there's a flirtatious edge to it now, like she's testing the waters.

"You're really milking this injury, aren't you?" She teases, handing you your drink to have with the pizza she bought for dinner. "You'd think you broke your entire body, the way you're lounging around."

"Hey," you protest, setting the drink down. "You're the one who insisted I stay. Don't blame me for enjoying the hospitality."

She leans against the counter, arms crossed, a grin tugging at her lips. "Oh, I'm well aware. But don't get too comfortable with me waiting on you hand and foot—I've got to go back to work tomorrow.”

That night, the atmosphere between you shifts even more. When you climb into bed besides Rio, there's no hesitation this time. She turns towards you almost immediately, her hand resting lightly on your hip as if it's the most natural thing in the world. You can feel the heat of her body through the thin fabric of your shirt, her breath warm against the back of your neck. It's a small touch, nothing too bold, but it feels significant—an unspoken acknowledgement of everything simmering between you two. You fall asleep like that, closer than before, your fingers unconsciously brushing hers under the covers.

When you wake up, she's already dressed for the day, leaning over you with a mug of coffee in hand. She sets it down on the nightstand with a playful smile. "Morning sweetheart," she says, her voice laced with that familiar teasing tone, but there's a softness to it now. "Try not to do anything risky while I'm gone, yeah? I don't want to come back to find you've taken a tumble without me here to save the day."

You laugh, reaching for the coffee, but there's a flutter in your chest at the pet name, even if she means it jokingly. "I'll do my best," you say. "But no promises."

She smirks, leaning down just enough to press a light kiss to your forehead. "Good. I'll be back later. Make yourself at home."

You do. The rest of the day passes in a strangely pleasant haze, and you find yourself enjoying the small comforts of her apartment. It's quiet without her, but there's a sense of ease you haven't felt in a long time, like you truly belong here. You find yourself smiling for no reason, touching the small trinkets on her shelves, running your fingers over the soft throw blankets she has draped across the couch.

By the time you decide to take a shower, you're feeling entirely too content. You strip down, stepping under the hot spray with a sigh. That's when your thoughts drift back to Rio—how she looked last night, half-asleep and tousled, her arm draped over your waist, her expression unguarded in a way you'd never seen before.

Your thoughts turn to fantasy almost unbidden. You imagine her joining you in the shower, pressing you back against the cold tiles, her hands sliding down your wet skin. You can almost feel it—the heat of her breath on your neck, the firmness of her body against yours. You start to move your hand towards your aching clit, letting out a quiet, shuddering moan, lost in the fantasy of what it would be like to kiss her and have her hands on you.

You don't hear the bathroom door open, but suddenly, you hear her voice—low and amused. "You sure you're okay in here? Didn't have another fall, did you?"

You freeze, eyes snapping open. You can barely see her through the steam, but she's there, standing just outside the shower curtain, and you realise with a jolt that she must have heard you. You heart slams against your ribs as the curtain slides back just a little, and Rio steps inside completely naked, her smirk evident even through the haze.

"I really just can't trust you not to injure yourself while showering, can I?" she says, voice teasing but thick with something else—desire, maybe. Her eyes travel down your body, lingering in a way that sends a shiver through you.

"Rio," you breathe out, half a warning, half a plea.

She steps closer, crowding you against the wall, her hand sliding up to cup the back of your neck. "You know," she murmurs, her lips so close to yours now that you can feel the brush of them with every word. "I think you've been waiting for me to do this."

And then she kisses you, slow and heated, like she's been thinking about this just as much as you have. Her mouth is soft but insistent, coaxing a response from you until you melt into her, hands tangling in her hair as you kiss her back just as eagerly. The steam from the shower mixes with the heat between you, the world narrowing down to just the two of you.

When she finally pulls back, both of you are breathing hard, her forehead resting against yours. "I knew it," she whispers, her voice laced with satisfaction. "You've been wanting this so badly, haven't you?"

You nod, swallowing thickly. "Yeah," you admit, barely louder than a whisper. "I have."

She grins, tugging you closer until you're pressed against her, chest to chest. "Good," she says, leaning in to kiss you again, deeper this time. "Because I've been wanting it too."

And with that, she shoves you against the wall. Hard. She's kissing you all over, igniting the skin where each one lands. She nips and sucks at your neck, finding where you're most sensitive. A moan escapes your lips, and you buck your hips, trying to get any kind of friction against your core. For a brief moment, you start to get embarrassed, but then one of Rio's hands finds its way between your legs. She dips a finger between your lips and hums at how wet you already are for her.

Looking directly into your eyes, silently telling you to keep her gaze, she lowers herself to suck on one of your tits, tongue swirling around your nipple, making it harden quickly. The hand not on your clit, starts to pinch your other nipple, pulling another loud guttural moan from you.

Working her mouth down your torso, marking up your body as she goes, Rio sinks to her knees, her face now directly opposite your dripping cunt, eyes still locked on yours.

Her hands deftly grip your hips, steadying you against the wall. "You've got to promise me you're not going to fall again, sweetheart," she all but growls, the arousal evident in her voice.

You nod your head, but it wasn't enough for the woman, who digs her nails into your skin where she's holding you. "Ye-Yes. I promise."

That is all Rio needs before she starts to drag her tongue through your folds. Switching between broad licks along the length between your entrance and your clit, and firmer, more purposeful circles over your bundle of nerves.

You feel dizzy, but you know it has nothing to do with your concussion and everything to do with the woman kneeling between your legs. Despite your head spinning, you manage to bring your hands down to tangle in Rio's hair, pushing her harder into you. You need more.

She moans against you, clearly enjoying how turned on you are. The vibration from the moan goes straight to your core, and you nearly cum just from that. Sensing you're close, Rio pushes two fingers inside you, causing you to curse her name inbetween moans.

You feel her chuckle and then start fucking you more vigorously. "I want to hear you, baby. I want the whole floor to hear you moan my name," she says, momentarily pulling away from your pussy. You can't help but oblige as she starts to curl her fingers, resuming her licking and sucking.

With her fingers curling inside you like that, it isn't long before you climax, legs shaking, cumminng hard over her fingers and tongue. Rio helps you through the end of your orgasm, making sure to hold you up as you come back down.

"Okay, darling, I think we need to sit you down before you lose another fight with gravity," Rio smirks. You can't help but agree; your knees feel very weak and it's taking all of your concentration to stay upright.

"Oh, by the way, I bumped into the maintenance guys on my way in," Rio says lightly, helping you out of the shower. "And they said that your door isn't getting fixed for at least another week. So, it looks like you'll have me to help you shower for a little while longer." Winking, she drags you to her bed, determined to continue what she had just started.

alright folks, I've got a sequel in the works but can't decide on the vibes (there'll be smut regardless): READ PART 2 HERE

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