SaddleBrooke HOAs · One and Two · updated October 2026
SaddleBrooke HOAs, explained
Two homeowners’ associations share one community. Here is what each one charges, what the rules actually say, and where every answer comes from, with the section number and date so you can check it yourself.
2HOAs
5,353homes
$264 · $306monthly dues
63golf holes
Information deemed reliable but not guaranteed. This guide summarizes recorded documents and published HOA rules as of October 2026. Documents change, and Blaine Bond is a REALTOR®, not an attorney or a title company. Before you buy, sell or sign anything, read your title commitment and the HOA resale disclosure carefully, and confirm anything that matters with the HOA, your title officer or an attorney.
The Reciprocal Use Agreement · the #1 question · status as of November 2026
What the RUA is, and where it stands right now
One agreement makes two HOAs feel like one community. It is being renegotiated, and nothing new has been signed. Here is the current state in plain words, with the documents and the meeting notes behind it.
What it is
- Signed September 10, 2021, for eight years: residents of SaddleBrooke One and SaddleBrooke Two may use the other side’s pools, fitness centers, pickleball and tennis, clubs and restaurants as if they lived there. It runs to September 10, 2029.
- Golf is the exception. Each HOA may, not must, let the other side play, on terms it sets, and may sell a limited number of memberships. (§1(d), §1(i), §3.)
- Why One’s dues can be lower: One has one clubhouse and no pickleball courts of its own; its residents use Two’s 14 courts, three fitness centers and three pool complexes under this agreement.
Where it stands
- December 18, 2025: HOA Two gave notice it will not renew the agreement as written when it expires.
- June 2026: HOA One’s board pledged that its restaurants and golf stay open to Two residents whatever happens.
- October 2026: the two boards are in talks. HOA Two’s target for new terms is January 1, 2027; HOA Two surveyed members and held an education session first.
- Every term you hear is tentative until both boards vote on a replacement. Until then the 2021 agreement stays in force.
What it means for you
- Buying in One: your $264 a month partly relies on Two’s amenities. A new agreement could change what you can use, or what it costs. Price that in.
- Buying in Two: your $306 covers all four complexes regardless. What could change is access to One’s restaurants and private golf, which One has pledged to keep open.
- Either side: ask what the status is during your resale-disclosure window, and read the newest board notes below before you write an offer.
RUA timeline, newest first ↓Read the 2021 agreement (PDF)Members’ RUA session · Aug 2026RUA surveys · Jul 2026Open items incl. RUA · Sep 2026One’s candidates on the RUA · Nov 2026All HOA news →
Blaine attends the RUA meetings and updates this card after each one. Last update: November 2, 2026.
Who governs what
Know which side you’re buying on.
One
SaddleBrooke HOA #1
- The original side, 1987. 2,060 homes on about 1,200 acres.
- Self-managed, about 150 staff. Office 64500 E SaddleBrooke Blvd, (520) 825-3048.
- 27 private holes (membership). One clubhouse with three restaurants.
- Rules, minutes and architectural guidelines sit behind a members-only login. The CC&Rs are recorded, so we summarize them here.
Two
SaddleBrooke HOA #2
- 3,293 homes, including The Preserve. Homeowner-run since January 1, 2018.
- Office 38735 S MountainView Blvd, (520) 818-1000 · ALC hotline (520) 879-4155.
- 36 holes you can book without a membership, four amenity complexes.
- Publishes its CC&Rs, Bylaws and Rules online: governing documents.
Both
Villas
- Sub-associations with their own dues on top of the main HOA.
- Units 34, 35 and 35A (in Two): $250/month, FirstService Residential.
- SaddleBrooke One Villas: $245/month. Unit 50 Courtyard Villas: $210/month, own board.
- Rules and fees for each, side by side: the villas section.
Money, side by side · as of October 2026
What you’ll pay
| SaddleBrooke One | SaddleBrooke Two | |
|---|---|---|
| Dues 2026 | $3,160/yr (about $264/mo), billed January 1 and July 1 | $3,670/yr (about $306/mo) |
| Dues 2027 | $3,340/yr approved (about $278/mo) | Set after the budget town hall, November 12, 2026 |
| Paid by the buyer at closing | Home Resale Fee $3,160: one year’s dues, into reserves (CC&R §6.22, recorded 2005). A 2026 vote to raise it to 1.5× failed. | Capital Improvement Fee $5,505: 1.5× annual dues (2016 CC&R amendment, rate set by the 2025 vote) |
| How far dues can rise without a vote | The greater of 8% or inflation a year; more needs two-thirds of votes cast (CC&R §6.5) | Board-set budget each fall; see Two’s CC&Rs |
| Special assessments | Capped at $250 per lot a year plus inflation without a two-thirds vote; 30 days’ written notice (CC&R §6.6) | HOA Two says its 30-year reserve plan shows no special assessment in the next 10 years (Realtor presentation, January 2026) |
| More than two owners on the deed | Each extra owner pays half the annual dues (CC&R §5.1) | Each extra owner pays half the annual dues (Rules §2.01 D) |
| Paying late | Late after 15 days; 10% interest; late fee of 10% or $15, whichever is more (CC&R §6.8) | Liens and collection costs per Two’s CC&Rs |
| Golf | Private: annual membership $4,080 (2026) | Semi-private: resident annual pass $5,000 (2027) |
Golf and fee details on the golf page. Fees change every year; the HOA’s resale disclosure is the final word for your closing.
The villas · a third layer
Buying a villa? You join two associations.
Every villa owner belongs to the main HOA and a villa association: two sets of dues, two sets of documents, and two approvals for anything on the outside. In exchange, the villa association looks after the exterior, which is what makes a villa lock-and-leave.
Two
Units 34, 35 and 35A Villas
SaddleBrooke Villas Association Nos. 34, 35, 35A, Inc. · 213 attached villas
$556/mo total$250 villa assessment + $306 HOA Two dues, 2026
Villa HOA maintains
Roofs, exterior surfaces and paint, exterior glass, driveways and walks, and front, side and back-yard landscaping and irrigation. Paint type and timing are the association’s call.
Source: Tract Declaration §3(a), (c), (d) (1997-036959)You maintain
The structure, interior and HVAC; plumbing including the lines serving your villa, garage doors and gutter cleaning.
Source: Tract Declaration §3(d); Who’s Responsible matrix (March 18, 2024)Insurance
“Bare walls” master policy on the building from the drywall out, plus the water heater and HVAC, at full replacement value. You pay the $5,000 deductible on your claim; an HO-6 policy for the inside is recommended.
Source: Tract Declaration §18, added June 13, 2011 (2011-049181)Dues and special assessments
The villa board sets the assessment by December 1 for the next year, paid monthly, and can levy a special assessment without an owner vote. Late: up to 25% plus interest up to 22% a year.
Source: Tract Declaration §5(c), §5(e)Renting
No lease minimum in the villa declaration. HOA Two’s rules apply: register each renter, surrender your cards, $25 a rental.
Source: Tract Declaration (no leasing article); HOA Two Rules §2.03Exterior changes
Villa board approval and an HOA Two ALC permit. Owners may not change the landscaping in the association’s area.
Source: Tract Declaration §3(c)–(d), §3(j)–(l); Architectural GuidelinesChanging the declaration
Owners of 51% of the lots.
Source: Tract Declaration §14(m)FirstService Residential · community manager (520) 200-6015 · 24/7 855-333-5149. All villa documents, public →
Two
Unit 50 Courtyard Villas
Robson’s 2018+ Courtyard Villa Series · own board and CC&Rs inside HOA Two
$516/mo total$210 villa dues ($2,520 a year) + $306 HOA Two dues, 2026
Villa HOA maintains
Roof, exterior paint, gutters, driveway, front coach light, patio walls and gate, landscaping, irrigation and monthly outdoor pest control.
Source: Unit 50 HOA Maintenance Checklist (February 2024)You maintain
Garage-door mechanisms, termite treatment, screens, HVAC and filters, the water heater, utility lines and trash. Windows and sliders go through the window maker; HOA Two owns the streets.
Source: Unit 50 HOA Maintenance Checklist (February 2024)Exterior changes
The Unit 50 villa representative signs off first, then the HOA Two ALC permit.
Source: HOA Two ALC Guidelines §4 (January 25, 2023)CC&Rs
Unit 50’s own CC&Rs aren’t posted online. They come in the resale disclosure, or ask Blaine for a copy with the form below.
One
SaddleBrooke One Villas
SaddleBrooke Villas Association No. 20, Inc. · 40 villas in 20 buildings
$509/mo total$245 villa dues ($233 operations, $12 reserves) + $264 HOA One dues, 2026
Villa HOA covers
Insurance on the villa structures, landscaping and irrigation, exterior painting on the board’s schedule, roof inspections and repairs, exterior termite and pest treatment, fascia, sewer and water lines, and window glass.
Source: Villas Rules Art. VI (January 17, 2013); 2026 budgetYou maintain
Everything inside the villa’s footprint, gutters, screen and security doors, patio enclosures, window frames, carriage lights and mailboxes. The association advises an HO-6 policy; master-policy deductibles are $5,000.
Source: Villas Rules Art. V; owner insurance letter 2026–27Renting
Give the association a Villa Rental/Occupancy Notice before renting, or before anyone but you stays more than 3 days. HOA One’s 14-day minimum applies to every lot.
Source: Villas Rules §3.1; HOA One CC&R §2.18 (2020)Exterior changes
Villas ALC (decides within 10 days), then HOA One’s ALC. 28 items are off the list, including solar, awnings, spas and gates.
Source: ALC Special Guidelines §2.1, §4–6 (March 21, 2013)Parking
No overnight street parking; RVs and trailers in the south and west lots, at most 3 days and 2 nights in any 7.
Source: Villas Rules §4.4HOA Reliable Services. CC&Rs, rules, budget, insurance and minutes, all public →
Villa floor plans, sold prices and homes for sale on the Villas page. The villa association’s resale disclosure is the final word for a specific home.
Quick answers · each cites its sourceThe full rule →The full rule →The full rule →The full rule →The full rule →The full rule →The full rule →The full rule →The full rule →
The questions buyers ask most
What’s the shortest rental allowed?
One
14 days. One rental per owner at a time; a casita can’t be rented separately. The owner signs the Rental Policy form before the lease starts.
Source: CC&R §2.18 as amended, recorded June 12, 2020 (fee no. 2020-055875)Two
No minimum term in the published Rules. Register each renter with the office first, the owner surrenders their cards for the term, and there’s a $25 fee per rental.
Source: Rules §2.03 (January 27, 2026); $25 fee since April 2026Who has to be 55 or older?
Both
At least one resident 55+ in 80% of homes, someone 40+ in every home, and no one under 19 living there permanently. The board can allow a home with occupants all under 55 as long as one is 40+, within the 20% the federal 55+ exemption allows.
Source: One: CC&R §2.4 (2000). Two: recorded Tract Declaration §3.1 (1994)Both
Tell the HOA in writing if the household changes (a death or divorce) so no one 55+ remains. Changing One’s age rule takes 90% of lot owners.
Source: One: CC&R §2.4(d)–(e). Two: Tract Declaration §3.5Can my RV stay in the driveway?
One
No overnight on your lot without the general manager’s OK. RVs, boats and trailers go in the HOA storage yard; driveways aren’t for storage.
Source: CC&R §2.5 (2000)Two
Short stays only: up to 3 daytime and 2 nighttime periods in any 7 days, in the driveway or parallel on the street in front, with three reflective cones. Four extensions a year.
Source: Rules §5.03 (January 27, 2026)Can I park on the street overnight?
One
Short-term parking in front of your home per One’s Rules; vehicles and boats aren’t stored on streets.
Source: CC&R §2.5 (2000)Two
Not between midnight and 5 a.m. without a permit from the office. First offense is a warning, then $35.
Source: Rules §5.02 H and Article XIII (January 27, 2026)How old do you have to be to drive a golf cart?
One
One’s cart rules are in its members-only Rules. Ask Blaine for the current version.
Two
16. Cart drivers follow the same traffic laws as cars; 25 mph in neighborhoods, 10 mph at the complexes.
Source: Rules §4.02, §4.04 (January 27, 2026)What are the pet rules?
One
A reasonable number of household pets, leashed outside your lot, never near food areas. The board decides what counts as a nuisance.
Source: CC&R §2.13 (2000)Two
Leashed dogs can walk the golf courses during posted hours on a leash of 6 feet or less. Pinal County’s four-dog limit applies, and pets can’t live outside.
Source: Rules §10.02 (January 27, 2026)What does a for-sale sign have to look like?
One
For-sale and for-rent signs must meet One’s Rules; the board can remove signs that don’t.
Source: CC&R §2.8 (2000)Two
18×24 inches with one 6×24 rider, front yard only, at least a foot from the curb, never on the golf course side. One open-house sign, 8 a.m. to 6 p.m.
Source: Rules §11.03 (January 27, 2026)Do I need approval to change the outside of my home?
One
Yes, written approval from the Architectural and Landscaping Committee for any exterior change, including paint, lighting and landscaping. If the committee doesn’t answer within 30 days, the plans are deemed approved.
Source: CC&R §2.19, §3.4, §3.7 (2000)Two
Yes, through the ALC. Apply with the online ALC permit form; dumpsters and PODS need their own permits and can stay two weeks.
Source: ALC Guidelines 2025; Rules §10.07–10.08Are garage sales allowed?
Both
No garage sales. Estate sales only when you’re moving out or settling an estate, at most two in your whole time in SaddleBrooke, on a Friday–Saturday or Saturday–Sunday, 8 a.m. to 6 p.m., with a Patrol permit three days ahead.
Source: Two’s Rules §10.06, which apply across One and TwoBoth
Fireworks and personal drones are banned in Two. Clotheslines can’t be visible on either side.
Source: Two: Rules §10.01, §10.03. One: CC&R §2.10Every rule, topic by topic, with fines: SaddleBrooke living rules →
RUA watch · newest first
The Reciprocal Use Agreement
The RUA lets residents of either HOA use both sides’ pools, pickleball and fitness. HOA Two has said it won’t renew it as written, so it matters most for One buyers, whose lower dues partly rely on Two’s amenities.
- Sept 10, 2029: the current agreement expires.
- Jan 1, 2027: SaddleBrooke Two’s target date for new terms.
- Oct 2026: the two boards begin talks. Blaine attends.
- June 2026: SaddleBrooke One pledges its restaurants and golf stay open to Two residents either way.
- Dec 18, 2025: SaddleBrooke Two serves notice it will not renew as written.
- Sept 10, 2021: agreement signed for eight years.
Blaine posts his notes after each meeting.
Document library
Every governing document, with its date
One
- Amended and Restated CC&RsApproved October 2000 · Pinal County fee no. 2000-047132 · 48 pages
- First Amendment: Home Resale FeeRecorded Dec 28, 2005 (2005-181268); re-recorded with Robson’s approval Mar 9, 2007 (2007-029297)
- Second Amendment: rentals (14-day minimum)Recorded June 12, 2020 · fee no. 2020-055875
- Golf-course-use restrictionEffective Jan 1, 1999 · recorded Mar 16, 2000 · fee no. 2000-011361
- First Amendment to the Restated BylawsApproved Dec 3, 2001 · recorded Jan 22, 2002 · fee no. 2002-003024
- Rules, ALC guidelines, budget, minutesMembers-only at saddlebrooke.org; buyers receive them in the resale disclosure
Recorded documents are public record at the Pinal County Recorder. Request copies below.
Two
- Rules and RegulationsApproved January 27, 2026 · 27 pages
- CC&Rs and amendmentsAugust 1994, October 1994, July 2016 (Capital Improvement Fee), December 2017
- BylawsAmended and restated January 2026
- ALC Guidelines and permit formGuidelines 2025 · permit form revised September 2026
- Reciprocal Use AgreementSigned September 10, 2021
Linked to HOA Two’s own site, so you always open the current version.
Both
- Villas 34/35/35A Tract DeclarationRecorded Oct 23, 1997 · fee no. 1997-036959 · 29 pages
- Amendment: master insurance (§18)Recorded June 13, 2011 · fee no. 2011-049181
- Villas 35/35A bylaws, architectural guidelines, reserve studiesBylaws Dec 20, 2018 · guidelines amended through 2019 · reserve study 2025
- SaddleBrooke One Villas CC&Rs, rules, insurance, budgetA&R CC&Rs recorded Nov 13, 2001 (2001-052015) · rules Jan 17, 2013 · 2026 budget
- Unit 50 CC&RsNot posted online; in the resale disclosure or by request below
Both villa associations post their documents publicly.
Get the documents
Request copies of either HOA’s documents
Tell Blaine which HOA, or the address if you’re not sure, and he’ll email you the governing documents: HOA One’s recorded CC&Rs and amendments, HOA Two’s CC&Rs, Bylaws and current Rules, or a villa association’s declaration. Usually the same day, and no mailing list.
Latest HOA news · newest first
This month in SaddleBrooke HOA news
- November 2026HOA OneSaddleBrooke One HOA news, November 2026: election, RUA, arts centerThree candidates are running for the 2027 Board: Julie Adamen (Unit 6, HOA-management consultant), incumbent Len Alcantara (Unit 19, retired Coast Guard captain and attorney) and Andy Timothy (Unit 21, Finance and Golf committee veteran); ballots are due Friday, November 20th at 4:00pm.
- October 2026HOA TwoSaddleBrooke Two HOA news, October 2026: 2031 course plan, election, budgetPlanning has started on a renovation of The Preserve golf course, targeted for 2031, with a dedicated fund already at $4.45 million and a stated aim to renovate rather than replace it.
- September 2026HOA TwoSaddleBrooke Two HOA news, September 2026: election, cash, F&B panelThree board seats open this year (two three-year terms and one two-year term), with the Call for Candidates going out Sept 21.
- August 2026HOA TwoSaddleBrooke Two HOA news, August 2026: water rate win, roads, poolAt an Arizona Corporation Commission hearing, HOA 2 got ACC staff to back a golf irrigation rate of $2.66 per 1,000 gallons instead of the proposed $4.18.
- July 2026HOA TwoSaddleBrooke Two HOA news, July 2026: water, F&B costs, new teesThe 2027 budget cycle opened June 1 and the Board warns it will be a hard one, with golf and common-area water rates up sharply and interest earnings (3.7%) likely to fall.
Summaries in Blaine's words from HOA Two's For The Record and HOA One's Communicator; each post links to the issue.
Under contract? Send Blaine the resale packet.Arizona law gives you the HOA’s disclosure documents (A.R.S. 33-1806). Blaine reads them with you and flags the fees, rules and open violations that matter before your inspection period ends.
Send it to BlaineBlaine Bond, REALTOR® with Tierra Antigua Realty. Not affiliated with SaddleBrooke HOA One, SaddleBrooke HOA Two or Robson Communities. These are plain-English summaries; the recorded CC&Rs and each HOA’s current Rules govern, and a buyer’s resale disclosure is the final word for a specific home.