Joe and Charlotte met 13 years before the story takes place. Charlotte was on her way to the airport to pick up her soon-to-be-fiancee, when she and Joe hook up on the side of the road, and I do mean hook up.
13 years later, Charlotte is a widow leaving in Ohio (I think, I'm horrible with retaining names) with two children. Joe is in the DEA hiding out from the leader of a cartel, and winds up living next door to Charlotte. They soon find out that they are each living next to that person that they spent one amazing afternoon with and have spent the last 13 years thinking about.
Charlotte's husband never compared with Joe, Charlotte has has a vivid fantasy life all revolving around Joe. However, she doesn't want to get involved with him because of issues with guilty, the kids, and basically her inner demons. Joe can't get involved because he's dealing with the murder of his partner, and doesn't want to risk putting Charlotte in danger.
There is a host of other characters, neighbors, other people in the town that add to the story and make it that much more fulfilling. This is another steamy (somewhat) one. There are lots of obstacles to overcome, and sometimes I just wanted to scream, "Tell him/her already!" The end was great. I love how it ended. It tied everything up, and of course it was happy. (The key ingredient to a romance novel, the happy ending). I was really rooting for Joe, I fell in love with him a little bit myself. I can't wait to see what else Susan Donovan does.