I used to read this as a kid so I’m assuming was published pre-1980. At the beginning the setting is of a boy and a man in the wilderness (in a cave?)(set in 1700s-1800s). Either as part of the initial story or as an event that already occurred the man is attacked by 2(?) other men and left to die. The boy makes it out alive to a town and initially recuperates in a feather bed (there was a lengthy description of the bed). He then returns to the house where he lives (step child or orphan?) and after going upstairs hears his mean stepfather(?) talking with the very men that were the attackers. They describe returning to the scene to recover some loot (maybe to finish the job or kill someone else?). The boy escapes to try to beat the men to the destination and provide a warning, cannot remember how it ends.