Picking up where Zachary's Gold left off, Zachary's Horses continues the adventures of Zachary Beddoes. It is 1870, and the ex-lawman is hiding out in the capital of colonial British Columbia, using the name Lincoln Zachary. He soon befriends a series of a young woman with a mysterious background; a pair of young English gentlemen traveling through the area; a manic, alcoholic notary from the Washington Territory; and a rich but unscrupulous local business family, who are organizing what they think will be the horse race of the decade. But not all of his new friends have Zachary's best intentions at heart, as he becomes involved with a blackmailing scoundrel who knows his true identity and intends to make the most of the situation. Suspense mounts as the day of the horse race approaches. Both love and danger are in the air, and Zachary once again exhibits his ability to do just the wrong thing at the wrong time.