Read it through once

Then he had an idea. The roads were empty, nobody was stirring. Yes, he would risk it. He led the horse to the roadside and set it to cropping the grass; then he undressed and put his clothes in the buggy, petted the horse a moment to secure its compassion and its loyalty, then hurried to the stream. He swam out and soon had the hat. When he got to the top of the bank the horse was gone!