Finding a complete download of a story that fits that exact description is tougher than it sounds. The term 'erotic ghost story' covers a lot, from Victorian Gothic romance with a spectral lover to modern web serials where a vengeful spirit gets intimately involved. My search usually leads to a mix of sites: some archive blogs hosting PDFs of older, out-of-print pulp novels, and a few app-based platforms that serialize this niche.
I’ve had more luck finding full, completed works on subscription apps like Radish or Kindle Vella, where you can use free passes to unlock chapters. The download function is usually built into the app for offline reading. The legality is clearer there, too. Websites that promise a direct 'download' of a full, recently published book often route you to sketchy file-sharing portals, which I avoid.
For a more classic take, Mary E. Braddon's 'The Cold Embrace' or Le Fanu's 'Carmilla' could be considered early examples, and their full texts are often downloadable from Project Gutenberg. They’re not explicitly erotic by today's standards, but the subtext is heavy. The newer, steamier stuff tends to be serialized, so you’re often downloading an app, not a PDF.