Charlotte McKinney's body is screaming summer, even though her mouth is yelling ... "Damn, this water is freakin' COLD!"
Charlotte went charging on to the beach at her BF Stephen Dorff's Malibu home on Sunday -- until the frigid Pacific Ocean froze her in her tracks.
Keep that bikini handy, Charlotte ... summer is coming.
See also
Charlotte McKinney -- Majorly Strapped for Vegas (PHOTO)
Charlotte McKinney -- She's Quite the Handful (PHOTOS)
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