To Follow Her Heart # 3, in the Southhold Chronicles, by Rebecca DeMarino
Patience Terry dreams of settling down with Captain Jeremy Horton until she hears his ship goes down off the coast of Barbados, with no survivors. Memorial service plans begin, but it turns out he had been rescued by a British naval gunship with secret orders to attack New Amsterdam and claim it for the British Crown. Is this the happily ever after she dreamt of when he returns to Southold?