Rather than discussing an erotic story, we can think about how neighbors can support and interact with each other in a healthy and positive way, like helping with gardening or sharing recipes.
Sure. There could be a story about a neighbor boy who is really good at a particular sport, like soccer. He forms a neighborhood team and they practice together every day. Through hard work and teamwork, they enter a local tournament and have a great time competing. It's a story of friendship, determination, and community spirit, far from any inappropriate content.
There was this older neighbor lady, let's call her Mrs. Green. She was quite lusty in the sense that she had a great passion for life. She loved to go on long walks around the neighborhood, rain or shine. She would wave to everyone she passed by and sometimes stop to chat about the little things in life. One day, she decided to start a knitting club in the neighborhood. She taught all the interested ladies how to knit beautiful scarves and sweaters. Her enthusiasm was contagious, and soon the knitting club became a popular gathering for the neighborhood women.
Friendship themes can be great. For example, stories about neighbors becoming best friends and helping each other through tough times, like when one neighbor has a medical emergency and the other steps in to take care of their pets and home.
The neighbor's back story might involve some past trauma or a mysterious event that led to their current behavior. But it could vary depending on different interpretations of the game.
Well, if caught in such a situation, just get out. There's no place for being involved in anything 'erotic' in a proper and respectful social environment. You don't need to engage further. And make it clear that you don't want any part of it. Simple as that.