When Zack, Cody, and Esteban are throwing a nerf ball and break a very expensive Tipton antique, they find more than what they expected. Behind the poster was a newspaper article stating that the Tipton holds a treasure. Zack and Cody get Maddie to help them find the treasure. Maddie tells them that the woman in the picture is Muriel. Muriel tells them that the treasure "lies beneath the heart." Thinking it must mean the Valentine Suite, they get Esteban help them get in there. Minutes later, they entire suite is overturned and there is no treasure. London finds out about Hot Pepper's treasure and wants her share of the money if she helps them out. During all the chaos everybody has dream sequences of what they will do once they find the money. Soon everyone has diverse ideas for as to where the money is. Zack and Maddie go to the Lobby, London and Esteban go to the kitchen, and Cody goes to the garbage room. Arwin finds out about the treasure and wants his fair share as well. Soon everyone hordes into the room with the dumpster, where Arwin accidentally blows up a wall with his super-stick glue. To everyone's surprise, there is money in the wall, only to find out it is money that is in a bank vault. Everyone, including Mr. Moseby and Carrie, head back up to the lobby, where they discover that a clue to the treasure is in Muriel's golden heart-shaped locket. It turns out that Muriel had been the treasure the entire time!