John and Hester Morgan, a retired mining engineer and his wife, move to a historic house in Eastport Harbor, Maine, seeking a new life. The local real estate agent, Mr. Higgins, reveals the house's peculiar history of multiple ghosts, which he believes are brought by the inhabitants themselves. As they settle in, John becomes increasingly distant and secretive, working on a book about mining while displaying unusual behavior.

A mysterious lawsuit involving the sale of John's Lucky Penny mine emerges, involving a man named Elliot Harmon who allegedly shot himself after feeling cheated. Tensions rise between John and Hester as he becomes more aggressive and defensive, refusing to discuss the details of the lawsuit or his past. Strange occurrences begin to plague the household, including unexplained visitor sightings and John's increasingly erratic behavior.

The story culminates in John's disappearance, which coincides with Elliot Harmon's death. Upon investigation, both John and Harmon's bodies are discovered in an experimental shaft at the Lucky Penny mine, with Harmon wearing a distinctive black cap. The supernatural undertones suggest a form of spectral revenge, where Harmon's ghost seemingly pursued John until both of their deaths, fulfilling a karmic justice for perceived wrongs in their business dealings.

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