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Real Mermaids Don't Wear Toe Rings (edition 2010)
Real Mermaids Don't Wear Toe Rings by Hélène Boudreau
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When Jade's hormonal change into womanhood also includes developing scales and a tail, she discovers she's inherited her mermaid tendencies from her late mother, and it prompts her to investigate how her mother died.
(summary from another edition)
An edition of this book was published by Sourcebooks Jabberwocky.