Many, many thanks for the 141 out of 153 that told me my lost story is Recluse and Ghost by DualWriter.
Among all the writers I have bookmarked I am so enthralled with his Florida Friends that I forgot he wrote other stories so hadn't checked his listings.
Now I'll have to check all my other bookmarks and see what other stories I'll enjoy rereading.
Once again, many thanks to the helpful SOL community.