Homeschool Annie's Divided Heart
Copyright© 2026 by Mathias Carter
Episode 6: Wet and Afraid
Erotica Sex Story: Episode 6: Wet and Afraid - Annie has built a full life on a rural Ohio homestead—married for 22 years, raising her 10 children, and settled into the rhythms of family and farm. A message arrives from her former boyfriend she hasn’t heard from in over 20 years. She tells herself it’s harmless. Just catching up. But will the door she just opened be the catalyst to something she can no longer control?
Caution: This Erotica Sex Story contains strong sexual content, including Ma/Fa Teenagers Consensual Reluctant Romantic Heterosexual Fiction Farming Restart Cheating Cuckold Slut Wife RAAC Interracial White Female Hispanic Male White Couple Exhibitionism Facial Masturbation Oral Sex Voyeurism Public Sex Slow Illustrated
A few days had passed since the baseball field with James. James waited a day before writing to Annie again but Annie would just read it and then delete the message conversation again, like she had done the moment she got home from their “talk”. Because it, of course, didn’t stay just a talk. It couldn’t have. Annie felt stupid because she thought she could end it without anything more happening. And clearly she couldn’t. Answering James at all. Acknowledging she even received his text would just open the door again. She deleted his name from her Contacts on her Galaxy S23 Ultra.
Life went back to normal, except for the flashes of guilt mixed with pleasure that would occasionally and rudely barge into her thoughts. The kisses. The touching. The emotional pull. It felt wrong. Because it was. Against God’s word. Against her husband. But yet it felt so right at the same time. Was it because it was forbidden? The nostalgia? Or was it because James still had that ability to make her feel a way that even Mathias couldn’t. She was fully satisfied with Mathias yet at the same time that different feel that James gave it could not be denied.
It was Mathias’ birthday today. Today was all about him. Even though Mathias did his best to get everyone to forget about his birthday. He never cared for being the center of attention. Life was about Christ and putting others first, he said.
Annie still made sure she would prepare all his favorite meals. He was working from home today, since it was Friday. For breakfast it was sausage gravy over egg rolls that had eggs and cheese in them. For supper it was Annie’s homemade chicken nuggets and homemade fries cooked in beef tallow.
The Carters avoided anything unhealthy like processed oils. Everything homemade. Everything natural. From their own farm, when at all possible. And as the years went by, more and more of their food was what they produced on their own.
Annie was proud that she and the girls produced all of their own dairy and beef. All of their own eggs. Most of their own chicken. What they couldn’t get from their farm or their neighbors they got from Amish Country, just about an hour south of home. They only got what they absolutely had to from places like Aldi or Walmart.
After supper, while the rest of the family was cleaning up, Annie knew it was her chance to step out. She was going to surprise Mathias with a special birthday gift. The Carters rarely ever did birthday gifts because Mathias deemed it unnecessary. But Mathias had been telling Annie about how long he had trying to find an authentic 1990s Cleveland Indians jersey in the grey color scheme they wore in the 1995 and 1997 World Series.
The only ones Mathias ever found were on eBay. Omar Vizquel. Kenny Lofton. Jim Thome. Manny Ramirez. Orel Hershiser. But all much too expensive for Mathias to ever consider them. One hundred and Fifty Dollars.
“No way I am paying that much,” he would always say.
Annie stumbled across one when searching on Facebook Marketplace on Wednesday. Same grey color scheme. Cleveland stitched on the front. The Chief Wahoo patch on the left sleeve. And number 13, Vizquel stitched on the back. He was going to love it. And only $30. Looked like a steal. And it was in Mathias’ size, XL.
The seller was in Youngstown and couldn’t meet until he got off work, later in the early evening, around 6:30pm. It was a 50 minute drive from home, and when the family was finished with supper around 5pm, Annie started prepping to leave.
She checked her phone to make sure the seller was still good for 6:30. She checked herself in the mirror. She was wearing a white tank top under a light blue button-down left open at the top, a denim jean skirt that was tight around the hips and ass and that went to her ankles, and her glasses. Her hair was still down while she worked it into a high ponytail.
She walked into the living room where Mathias sat with the boys, discussing what they needed to do for their neighbor.
“Hey baby, I have to head over to pick up some things my mom ordered on Marketplace,” she said to Mathias as she grabbed her purse from the coat rack area of the front room. “But I’ll be back by the time we are ready for your cake.”
“Okay, wife. Me and the boys have to help cut up that tree that fell across the street at the neighbor’s during the storm,” Mathias answered. “Just make sure you share your location on Google Maps.”
“Yes sir,” Annie said, kissing him. “Love you.”
“Love you, wife.”
Annie was so excited that she nearly began to skip on her way to the black minivan. Annie was really good at surprising Mathias and she had gotten a lot of gifts he loved over the years. But this one was on another level. He was going to be so excited when she got home to give it to him.
Annie started the van and looked at the clock. It read 5:27. She had plenty of time to get there by 6:30. The Carter family had it drilled into them continually by Mathias to always leave 10 to 15 minutes early because being late was simply unacceptable.
Annie pulled up the address set her route on Google maps, then shared her location with Mathias.
On the way to Youngstown she realized that the gasoline gauge was showing less than a quarter tank. She was still about 15 minutes out, she stopped at a gas station fill up, recognizing she still had plenty of time.
Traffic on the way into the city was heavier than usual for a weekday afternoon, and once she left the main roads the address was harder to find. It seemed like Google maps didn’t quite have the right directions but Annie figured it out shortly after, being very good at navigation.
This was definitely not a good part of Youngstown. Thank God she only had to be there for a minute. Older properties that weren’t properly maintained, some with boarded windows, a stray Pitbull without a leash roaming the neighborhood. Loud rap music coming from a few houses down.
She parked the van in the driveway, with barely enough room for the van, which was almost hanging out into the street. When she got out, she smelled something funny, almost like a burnt smell from the van.
Annie walked up the steps and knocked on the door. A black gentleman, probably in his 50s, answered the door. Inside the house looked unkept and dirty.
“Well hello, beautiful,” he said, laughing.
“Hi, I’m Annie. I’m here about the baseball jersey, sir.”
“Oh, that’s right. Hold on, let me get it.” He started walking towards the living room area where the TV was playing loudly, but then paused and came back, opening the door. “Come on in, beautiful.”
Annie walked inside, hesitantly.
He turned again and walked towards the living room and grabbed the jersey off a shelf.
“Here it is,” the man smiled, handing it to Annie. “Probably a little big for you, though, beautiful.”. He stood tall, and looked down at Annie, slight cleavage showing and she could feel his stare.
“It’s for my husband,” she responded, hoping that would make him a little more reluctant to hit on her.
“Ahh well, he’s a lucky man, having such a hot woman as yourself.”
Annie replied, “Thank you.”
Her phone chimed. A text message. Not from anyone on her contacts list.
555-1212 She pulled down the quick menu.
“Annie, I know you’re not going to answer me and probably...”
James ... She was going to have to delete it yet again. She pulled the menu back up and his text out of sight.
“Here’s the money,” Annie said to the man. “You said thirty, right?” as she pulled a twenty and two fives from her purse.
“Yep, but for you, make it $10!”
“Oh, it’s okay, I can pay the whole amount. It’s already such a good deal...”
“No, no, no, honey. You keep that. It’s my pleasure.”
He refused to take the full amount so Annie obliged.
“Thank you, sir. I hope you have a great evening,” Annie said.
“Nice to meet you ma’am. Definitely won’t complain if we bump into each other in the future.”
Annie hurried out of the house in her discomfort, with her purse on her shoulder and the jersey inside the purse. It began to sprinkle outside. She unlocked the van, got in, and put Home into Google Maps, sharing her location with Mathias once again. The rain became more steady. Annie turned on the windshield wipers. She recalled checking the weather app a few hours ago and the rain was supposed to miss them at home. But she hadn’t thought about checking Youngstown. She wasn’t going to be there long, after all.
Annie checked her mirrors once, then she backed out of the driveway and pulled away. She would have to take a few back roads before she got to the highway. But just a couple of minutes in, the temperature gauge began to climb dramatically into the red and what looked like steam or smoke emerged from the hood before her face.
“That smell I smelled when I got out of the van...” Annie thought.
She stopped the van and realized she was in the wrong neighborhood for something like this to happen. Looking around she was even more uncomfortable out here than in the house of the older man who was flirting with her.
She heard louder, more aggressive rap music with a tone of pride and anger boomed. A group of young black men, mostly in their upper teens to early 20s, across the road under a covered porch, smoking. It reeked of marijuana. She thought about just staying in the van and driving, even with the overheating, trying to decide in her mind which was more dangerous. She decided she would park on the side of the road.
Annie stepped out of the van as the rain continued to pour down, her button down and tank top soaking in the rain, and clinging to skin slightly. She reached in the van door and popped the hood. Then went around the door and opened the hood. More smoke came out. She bent over, her skirt now clinging more tightly to her shapely ass, as she began looking under the van. And there she saw that the coolant was leaking badly. Lots of it on the ground underneath.
“Ughhh!” she said. “Not this. Not right now.”
She stepped away, the rain continuing to drench her as the pace of the rain picked up harder to a pouring rain. She heard thunder rumble in the distance, and a small flash of lightning shorter after. Annie was drenched at this point.
“Hey white girl!” one of them called out to her. “You need anything?” The rest of them laughed.
“I’m fine!” Annie yelled back, in the rain. She didn’t want them to come near.
“She’s got a phat ass!” Annie overheard one of them say in the distance. It seemed like they wanted her to hear them.
Another added, “Bring dat white bitch back here so we can play wit her, dawg,” as he looked toward one of the others.
“I’d fuck the shit out of her,” she heard another say.
That was all she needed to hear before she decided to close the hood, and get back into the car. She was soaked. Her clothes sticking to her. The white tank top underneath was practically see through, and her black low cut bra was visible with her breasts outlined. She locked the doors, and pulled up the AAA app on her phone, and requested service through it. The app notified her that it would be 1 hour 5 minutes as the ETA.
“Dale’s Towing,” Annie said to herself. She didn’t want to wait so long. She thought about calling Mathias or one of the boys, but they were at least 45 minutes out from where she was. She called anyway. First Mathias. No answer. Then each of the boys, who also didn’t answer.
Last, she tried Elizabeth.
“Hey Mama.”
“Lizzy ... can any of you come get me in Youngstown? The van needs towed. It’s raining, and it’s getting dark and I’m in a bad neighborhood.”
“Umm ... remember, my foot is broken so I can’t drive. Did you call Daddy?”
“Yeah, he’s not answering and the boys aren’t either.”
“Must be not able to hear over the chainsaws. I can see them across the road working. Want me to try to hobble down there?”
“No, sweetie. By the time you do that and they get here, AAA will have arrived. I can try to see if they’ll give me a ride home after they tow the van to Mike’s.”
“Stay safe, Mama. Call the police if you need to.” “Thanks, sweetie. I love you.”
“Love you, Mama.”
Annie ended the call. She thought about whether she could put water in the coolant opening, but as she looked down in the cup holder, there were just a few sips of coffee remaining in her husband’s travel mug. She didn’t want to wait that long. Especially the ways those guys were talking. She felt unsafe, and rightfully so. This was the neighborhood with the highest violent crime rate.
She opened her Messages app and scanned the conversations. At the top was 555-1212. James. She opened the message:
“Annie, I know you’re not going to answer me and probably just delete this, but I wanted to let you know I’m glad I got to see you again, even for the short time we had. I know I overstepped. You’re just too special of a person to let go. But I know I have to. If you ever need anything, I’m always here. I’ll probably head back to Texas in a week but I’ll never forget you.”
Frustrated and with nothing else to do, she wrote back finally, “James, I told you not to write and that we couldn’t do this. Please stop. I don’t need this right now. Not even sure I’ll make it home safely with the van broken down all the way in Youngstown and the tow truck an hour from getting here.”
James texted back almost immediately.
“Youngstown?” I’m literally less than 10 minutes from there right now, just outside of Boardman.”
Then another text.
“Send me your address.”
Annie thought about saying no. She was stubborn enough to hold off. These guys were a potential physical threat to her. But James, to her, was a spiritual threat. A threat to her soul. She avoided him for that very reason. Not because James was evil and couldn’t be trusted. She couldn’t trust herself. She had really already committed adultery with him. On more than one occasion, even if he hadn’t actually fucked her.
Just then, Annie heard an uproar and commotion from the house across the road, followed by more laughing. Then rain started to die down a little and the voices got closer. It was getting darker outside and harder to see, as the rain calmed to a steady slow pace.
Fear rose up in Annie. “These guys are going to try to do something to me.”
She placed her right hand into her purse on the passenger seat and felt the SIG Sauer she carried for protection but hardly had the training to use very well. Panic rose up in her, realizing that she would be here in the dark, in an area of town that had a high likelihood of something happening to her. Being a woman. Alone. A white woman, especially.
Then she picked up her phone again and texted James back.
“Here’s my location”
With the text she sent her GPS coordinates.
“Be right there, Annie. Hold tight.”
It started pouring rain again, and with that, the black guys ran back to the porch to take cover, holding their shirts over their heads as they ran. A few of them took their shirts off and began making noise, what sounded like howling to Annie. James couldn’t get there soon enough.
It was just 8 minutes later and Annie saw his black truck pulling up behind the van, then beside her. He put down his passenger side window, and reached out his hand towards the window.
“Come with me if you want to live,” he smirked.
Annie couldn’t help but laugh, even in the midst of it all. She gave a cute playful smile to James that signaled she may not be as closed off as she made it seem in the texting– or the lack of texting rather.
James pulled in and parked on the road in front of Annie. By then, the rain had begun to calm again. Annie was still soaked, sitting in the driver’s seat of the minivan, shivering because she didn’t want to run the van with the overheating. She looked down at her phone, looking to see if the ETA for AAA had changed to anything more favorable. Still 40 minutes out.
To read the complete story you need to be logged in:
Log In or
Register for a Free account
(Why register?)
* Allows you 3 stories to read in 24 hours.