Chapter 7 : Ramona was on the second floor at 8:05 Thursday with the strip's legal description written on an index card, and she handed the card to the woman at the desk, and the woman typed it into the terminal, and looked at the screen, and looked
"Nothing," the woman said.
"Nothing at all in the index?"
"There's a plat reference. There's the 1996 subdivision plat. There's no deed. There's no transfer. There's no lien. If somebody owned that strip, Ms. Vega, they'd be on the index and they aren't. As of this morning, that strip is either unclaimed or held by whoever the current fee holder is on the plat, and the plat shows it as common area off unit 14's east line."
"Can I get a certified copy of that?"
"Of course."
She got a certified copy of the plat page with the strip highlighted by the desk woman's yellow highlighter. She paid $4.50. She walked out at 8:42.
At 10:15, she was back in Carthage Savings with a copy of the certified plat and a copy of the deed and the recorder's receipt stub from 2016, and she asked to speak with the branch manager about a safe-deposit box.
The branch manager was a woman in her late forties named Yolanda Reese who had worked at Carthage Savings for nineteen years, and who blinked when Ramona said she was there about box 441.
"Box 441 is leased to Alder Creek Homeowners Association," Yolanda said.
"The HOA's president is a co-lessee," Ramona said. "I'm asking as a member of the HOA and as the owner of the parcel the HOA has been fining me to use. I want to know when the box was last accessed."
Yolanda looked at Ramona.
"Box access logs are confidential to the box holders," she said.
"Are they confidential to the HOA board?"
"The HOA board is a box holder. Sort of."
"Sort of?"
"This is getting into a gray area," Yolanda said. "If you have a certified copy of HOA board minutes authorizing you to inspect the log, I can let you see the log."
Ramona set on the desk the copy of the board minutes from Tuesday's meeting, which Sonya had typed up Tuesday night and emailed to all members and also printed and signed, and which read, in the second paragraph: *The Board hereby authorizes any member in good standing to inspect HOA records, including bank records, on reasonable written request. Ramona Vega of unit 14 is a member in good standing as of April 15.*
Yolanda read the minutes. She picked up a phone and made a call. She put the phone down.
"I can let you see the access log," she said. "For box 441. For the last 24 months. I can't let you see what's in the box."
"I don't want to see what's in the box," Ramona said.
Yolanda printed the log. It was one page.
Ramona looked at it.
The box had been accessed four times in the last twenty-four months. All four times by Dale Brandt. All four on days when the pool was closed: one day in January, one in March, one in April, one in May.
The most recent access was four days ago — Monday, May 6.
The Monday after the pool gate.
Ramona looked up.
"He was here Monday," she said.
"According to the log."
"What time?"
"9:07 AM."
Ramona thought about it. At 9:07 Monday morning she had been in her car on her way to the dental office where she worked the front desk, because Monday through Thursday she worked 7:30 to 4. Dale Brandt had been in Carthage Savings emptying a box that contained the strip deed. And then — this was the part she had to think about — he had taken the deed somewhere.
"Is there a way to know what he did with the contents?"
"No."
"Does the bank have a signature card for the box?"
"Two signatures: Dale Brandt and Barbara Vega."
Ramona stopped.
"Say that again."
Yolanda turned the screen toward Ramona. On the screen was a scanned signature card from 1998, when the box was first leased. Two signatures. Dale Brandt, then Alder Creek HOA president. And Barbara Vega, then Alder Creek HOA treasurer.
"Your mother," Yolanda said. "She was the treasurer. She had a key."
Ramona looked at the signature card for a long time.
"So there's a key," she said.
"There's a key."
"Where is it?"
Yolanda looked at Ramona.
"When the second signature died," Yolanda said gently, "the bank should have collected the key. We send a letter. We ask for the key back. Usually the survivor or the family returns it. If the letter goes unanswered, the key stays on the premises until a box-holder requests otherwise."
"Was the letter answered?"
Yolanda typed on her keyboard and looked at the screen again.
"There's a notation from 2016," she said. "Branch note. 'Please hold — president Brandt has requested the second key be retained for association purposes.'"
Ramona sat down in the chair on the other side of Yolanda's desk.
"So my mother's key is here," she said.
"According to the note, yes."
"In the bank."
"In the bank."
"Does Dale Brandt know the key is here?"
Yolanda looked at Ramona.
"I'm not going to answer that one," she said.
Ramona drove back to Alder Creek with the folder from Lane Brandt's office on the passenger seat and the certified plat on the dash, and by the time she pulled into the visitor row she had already made two decisions. The first was that she was not going to open the safe-deposit box. That decision had been made inside her mother's kitchen eight years ago and it hadn't changed. The second was that she was not going to open the box, but Sonya could.
She called Sonya from the parking lot.
"Sonya," she said. "Do you still have that key to the clubhouse safe?"
"Why."
"Because tomorrow at 8 AM, I'm going to need somebody to walk into Carthage Savings with a board resolution in their hand and a bank book and a copy of the HOA's articles, and ask for access to box 441."
"For what purpose?"
"For the production of HOA records," Ramona said. "Which, as of Tuesday night, any member in good standing can inspect. I'm not the right person to walk in. You are. Because if I walk in, it's personal. If you walk in, it's board business."
There was a long pause.
"Ramona," Sonya said. "What's in the box?"
"The 2012 to 2015 notary log," Ramona said. "And the strip deed."
"The strip deed."
"The strip between my driveway and the pool parcel. Fifty by eighty. Dale took it in 2013 for a dollar. Notarized his own signature. Never filed it. Without that strip, the pool parcel I own is landlocked and can't be legally accessed from public road."
Silence on the line.
"Sonya," Ramona said. "Did you hear me?"
"I heard you."
"Tomorrow morning. Eight o'clock. I'll be in the parking lot in my car. You go in with the resolution. I'll wait."
"Ramona."
"What."
"Are you sure you don't want to be in there?"
"I'm sure," Ramona said.
That night Ramona sat at her mother's kitchen table with the folder Lane had given her and the certified plat and the recorder's receipt stub and the deed in its Ziploc, and she did not read anything. She just sat there, with her hands folded on the table, in her mother's kitchen, and looked at the coffee ring that was still on the Formica, and after a while she turned off the light and went to bed.
At 7:48 the next morning, she parked in the visitor row of the Carthage Savings lot, and at 8:02 she watched Sonya walk in through the front doors of the bank with a folder and a checkbook and the board's resolution in her hand.
At 8:34, Sonya came back out to the parking lot and got into the passenger seat of Ramona's Corolla and closed the door and sat for a full ten seconds before she said anything.
"He emptied it," Sonya said. "Box 441 is empty. There's nothing in it."
Ramona looked at her.
"There's an envelope," Sonya said. "On the bottom of the box. Sealed. Addressed to you."
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All 8 chapters
- 1One second the pool deck was a wall of noise — cicadas, a radio playing something with too much bass, kids screaming through the chain-link, the flat slap of wet feet on hot concrete — and the next second all of it went thin, like somebod
- 2The first thing that happened was that Marcus, the pool desk clerk, came out of the clubhouse with the clipboard that carried the membership roster for the season. He was nineteen, skinny, still in his school polo from a summer internship
- 3Ramona walked over at 4:45 in flip-flops and a clean gray t-shirt, with her tote on her shoulder and the deed in a gallon Ziploc bag because Delia had brought the peas and made her put a bag of them on her cheek, and the peas had left a w
- 4Dale's signature on the deed was not pretty. It slanted up to the right, the way signatures do when you're signing on the hood of a car or a counter you're not leaning on, and the "D" had a habit of losing its loop at the end. His "Brandt
- 5The earlier log was in the safe-deposit box that Dale Brandt kept at the Carthage Savings Bank on Main Street, box 441, and Ramona did not know that until Tuesday morning at 9:12 AM, when Sonya called her from the bank's parking lot.
- 6Ramona called at 8:30 Wednesday. Lane answered on the second ring.
- 7Ramona was on the second floor at 8:05 Thursday with the strip's legal description written on an index card, and she handed the card to the woman at the desk, and the woman typed it into the terminal, and looked at the screen, and looked
- 8"Yolanda says the box has been empty since Monday," Sonya said. "The log shows Dale was in there Monday at 9:07. Yolanda says she didn't see what he took out. She wasn't working the vault that day."





