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Saddle Creek Owners Association

Saddle Creek Owners Association is a homeowners association (HOA) in Midway, Wasatch County, managed by Model HOA, with registration active through 10/31/2026. Dues run about $125 a month — below the Wasatch County median.

5 daysuntil this registration expires

expires 10/31/2026

Saddle Creek HOA dues

Monthly dues

$125

From the association's website, September 2026. See the source. Varies by unit.

vs. county median (26 with dues)$71 below

How that compares

Saddle Creek Owners Association$125

Cascades at Soldier Hollow Homeowners' Association Inc.$120

Dutch Fields HOA$144

Meadow Views Owners Association$100

Wasatch County median · 26 with dues$196

Fees the CC&Rs set · 2021 declarationRead the dues clauses

$25Late charge on a missed payment, plus 18% interest a yearSection 5.14-5.17 · p. 11

On the board and this figure is wrong? Correcting it takes one minute and publishes the real number under your name.

Corrections are verified against the registry contact on file before the real figure replaces the estimate.

Saddle Creek HOA registration record

On file with the state

Number: 14253623-HOA1
Type: Homeowners association
Status (as of July 31, 2026): Active
Expires: 10/31/2026

Who manages Saddle Creek HOA?

Manager: Model HOA
President: Mike Roberts

From the Utah Department of Commerce HOA registry, July 31, 2026. Why the expiry matters: under § 57-8a-105 a lapsed association can't enforce assessment liens — how Utah assessment liens work.

Monthly dues

Dues not yet on file — the board shares the real figure when it claims this page.

How Utah HOAs set and raise dues · § 57-8a-201

Saddle Creek HOA CC&Rs

Recorded with the county

Document: Restrictive covenants
Entry: 506244 · 2021
Recorded: Aug 27, 2021
Length: 54 pages
Declarant: Dpw Heber Inc

Read the recorded document

From the Wasatch County Recorder's index. Amendments and supplemental declarations may apply — the recorder holds the full trail.

What the declaration says

Can the board raise dues?The board prepares and adopts the annual budget and may revise it whenever it thinks appropriate, and annual assessments are each owner's equal share of that budget. The declaration sets no percentage cap on increases, and owners may not disapprove a budget during the period of declarant control.Section 5.1 · p. 9

What dues and fees does the declaration set?The declaration does not state a dollar annual assessment amount. In 2021 it set a $25 per month late fee and 18% annual interest on unpaid balances, a $50 fee for association payoff information, and allowed the board to adopt a reinvestment fee on sale up to the maximum allowed by law; special assessments over $500 in a calendar year need member approval.Section 5.15 · p. 11

What happens over unpaid dues?Payments are delinquent if received more than ten days after they are due, and then a $25 monthly late fee and 18% interest apply. The association has a lien on the lot that it can record and foreclose judicially or non-judicially, may sue for a money judgment, may collect rent from a tenant, and may suspend voting rights, common area use, and utilities paid from common expenses.Section 5.16 · p. 11

What insurance does the HOA carry, and who pays the deductible?The association carries a blanket all-in property policy on the common areas at 100% of replacement cost, at least $1,000,000 in general liability coverage, and directors and officers coverage; it does not cover owners' personal property or personal liability. If a loss is covered by both policies the association's policy is primary and the owner pays the association's deductible, and if the board judges the claim will not exceed the deductible the owner's policy is primary up to that amount.Section 8.2 · p. 18

Does the declaration require a reserve fund?The board must establish a reserve account to fund long-term maintenance of the common areas and must follow any statutory requirement to conduct a reserve analysis and use it in funding decisions. These reserve duties do not apply during the period of declarant control.Section 5.18 · p. 12

Can owners rent their homes?Leasing is allowed, but no home may be leased for transient, hotel, or seasonal purposes and daily or weekly rentals are prohibited. Every lease must have an initial term of at least 30 days and must make the tenant subject to the governing documents; the board may require copies of leases and tenant information.Section 9.13 · p. 23

What can't owners do with their homes?Each lot may be used only as a single-family dwelling, and no business may be conducted without board consent unless only normal residential activity is visible outside, no non-residents come to the project, and insurance costs do not rise. Section 9.4 requires recreational vehicles, boats and trailers to be kept in a garage, bans them from parking on project streets at any time, and limits driveway parking to seven days.Section 9.2 · p. 20

Do I need approval to change my home's exterior?No landscaping, grading, building, fence, wall, or other alteration may begin until the board approves the plans in writing; the board may adopt design guidelines and appoint a three-or-more-member Design Review Committee. Once complete plans are submitted the board must approve or disapprove in writing within 30 days, and if it fails to act in that time the submittal is deemed approved.Section 10.5 · p. 28

What about pets and parking?Domestic pets are allowed but farm animals and horses are prohibited, and no more than two dogs and six household pets total may be kept on a lot. Pets must be leashed, caged, or otherwise contained off the owner's lot, may not become a nuisance, and the board may fine owners and remove continuously nuisance animals.Section 9.5 · p. 21

Can the association fine owners?Yes. The association may assess fines against owners, occupants, and guests for violations of the governing documents, and owners and occupants are jointly and severally liable for them. The association, declarant, or any owner may also sue at law or in equity, and the prevailing party recovers court costs and reasonable attorney fees.Section 11.2 · p. 29

How is the board chosen, and when does the developer step back?The board has three members; during the period of declarant control the declarant appoints them or acts as the board itself, and afterward owners elect directors to two-year staggered terms at the annual meeting. Declarant control ends when 80% of all lots and additional land have been conveyed to others, or when the declarant records a written waiver of its right to control the association.Section 4.2 · p. 47

How do the CC&Rs change?While the declarant owns any lot or part of the additional land, it may amend the declaration and plat alone, and no other amendment is valid without its written consent. After all declarant lots are sold and declarant control ends, owners holding at least 67% of the voting interests may amend; amendments take effect when recorded with the Wasatch County Recorder.Section 15.1 · p. 33

Read from the recorded declaration by Kahoa. Every line cites its page — read the page before relying on it. The recorded document controls, not this summary.

Questions about Saddle Creek HOA

10 questions · 8 answered from Utah law · 2 waiting on the board

Answered from Utah lawCommon question · records

How do I get a copy of Saddle Creek's CC&Rs?

Put the request in writing. Under § 57-8a-227 the association must make its governing documents available — the latest versions must be free on its website if it has one — and must fulfill a written records request within 10 business days. Emailed copies are free; paper copying charges are capped.

Write the request letter Read § 57-8a-227

Answered from Utah lawCommon question · dues

How much can Saddle Creek HOA raise dues in a year?

Utah sets no statutory cap — the limit, if any, lives in the declaration. § 57-8a-201 requires the board to adopt a budget and give owners notice of the assessment before it takes effect, and in many communities owners can call a meeting to reject the budget.

Read § 57-8a-201

Answered from Utah lawCommon question · late fees

What happens if I fall behind on dues?

Unpaid assessments become a lien on the home under § 57-8a-301. The association must follow the statute's notice steps before enforcing — and it cannot enforce a lien while its own registration is lapsed.

Read § 57-8a-301

Waiting on the boardOnly the board can answer this

What does Saddle Creek HOA's reserve fund hold right now?

Utah § 57-8a-211 requires a reserve analysis at least every five years and an annual owner vote on funding it. The figure itself lives with the board.

Sent to the registry contact on file. An answer posts here after review.

See all 10 questions

Answered from Utah lawCommon question · fines

Can Saddle Creek HOA fine me, and how?

Only for violations of the governing documents, and only with the process Utah law requires: written warning first, a chance to be heard, and fine amounts set by a published schedule. A fine without that process is contestable.

Read § 57-8a-208

Answered from Utah lawCommon question · rentals

Can Saddle Creek restrict rentals?

Often yes, within limits. § 57-8a-209 restricts what rental limits an association can impose and grandfathers owners who were renting before a restriction took effect — the details live in the declaration, so read it alongside the statute.

Read § 57-8a-209

Answered from Utah lawCommon question · meetings

Can I attend board meetings?

Yes. Under § 57-8a-226 board meetings are open to owners except during executive session, and owners must get notice of meetings. Minutes are records you can request.

Read § 57-8a-226

Answered from Utah lawCommon question · collections

Can Saddle Creek HOA foreclose on my home?

Only at the end of a long, regulated ladder: the debt must be at least 180 days delinquent and the association must first send the certified pre-foreclosure notice § 57-8a-303 requires. Most delinquencies never legally get near foreclosure.

Read § 57-8a-303

Answered from Utah lawCommon question · buying here

Buying in Saddle Creek — what do I get before closing?

The seller can request the association's payoff and document packet, and § 57-8a-106 caps what the association may charge for producing it at $50. Ask for the declaration, bylaws, rules, current budget, and any unpaid assessments on the unit before you commit.

Read § 57-8a-106

Waiting on the boardOnly the board can answer this

What does Saddle Creek's insurance cover, and what's my deductible exposure?

Utah requires the association to carry property and liability coverage and to share policy details with owners on request. What the current policy actually covers — and what falls to owners — is the board's to publish.

Sent to the registry contact on file. An answer posts here after review.

Ask your own

Questions go public after review. Personal disputes and names of neighbors get removed.

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This page also says your dues are about $125 a month — an estimate from county filings, and what buyers read today. Claim it to reply, publish the real figure, and get the renewal reminder before 10/31/2026.

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This page is generated from the Utah Department of Commerce HOA registry as of July 31, 2026, a public record, plus county filings and public sources where noted. Registrations change as associations renew or update their filings — verify anything time-sensitive against the official registry. Represent this association and want something corrected or removed? Email hello@kahoa.app.