Stephen Loyal is the main character in Midnight Masquerade, who lives in Mesa Flats. He's an executive chef who promised to look after his cousin, Celeste Girard's pet cat, Diva, to make up for missing her wedding. Meanwhile, he has to prepare the catering and centerpiece for the annual Midnight Masquerade hosted by his boss Julianne Charlot.
During the course of the story, Stephen met Rachel Ware and Erin Davis and dated both of them several times. Gordon Fetching, a mysterious newcomer to town tried to steal both women and was constantly wrecking Stephen's dates and making his life a misery. At the end of the story, Gordon was arrested and Stephen was declared "King of the Midnight Masquerade". The player is then left with the option of which woman will be his Queen.
- There is conflicting information on whether there is a glitch if the player chooses Erin as the Queen. When Stephen and Erin go on honeymoon limo, they will (sometimes) never come back. Rachel doesn't share the glitch.
- Although there are 13 story reward objects in Stephen's story, players can only unlock 12. If Stephen chooses Rachel at the Masquerade, the player will unlock the Love Spa. If Stephen chooses Erin, the Masterchef Stove will be unlocked.