Abstract: A convertible recreational raft that can be used on a pool or lake, comprising a floating raft defining a relatively large central opening to surround the users. By itself the buoyant raft provides recreational opportunities. A mesh material may be stretched over and releasably fastened to the top of the raft to form a closed interior whereby the only entry is from the water by way of the opening in the raft, so that insects are precluded from reaching the users; the raft also provides privacy and protection from cool breezes for users in the closed interior. A rigid panel, the top of which provides a raised deck for sunbathing or diving may also be releasably fastened to the top of the raft. This configuration also results in a closed interior below the panel and within the raft inner perimeter that provides privacy and protection from cool breezes for users.