Rancho Mercado
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
We didn't find proxy provisions in the governing documents on file. This usually means the bylaws haven't been uploaded yet.
Documents
Proxy voting
Real HOA decisions get made by proxy, before the meeting ever happens.
Follow this HOA
Get an email when new documents or answers land for this community.
Ask a chatbot about the governing documents
Help unlock answers for this community
HOAproxy makes communities' governing documents searchable in plain English.
We don't have the CC&Rs, bylaws, or rules for this HOA yet — so there's nothing to ask about right now. If you have them, adding them takes a minute and lets this assistant answer questions for every neighbor who looks up this HOA next.
Location
Add documents
Have the CC&Rs, bylaws, or rules for this community? Upload them and we'll make them searchable for your neighbors.
Edit HOA details
Add or correct the website and location for this HOA.
What Rancho Mercado's governing documents say
Rancho Mercado is a master-planned, single-family residential community in Surprise, Arizona. You own your individual lot and home; the Rancho Mercado Community Association (and possible neighborhood subassociations) maintain shared common areas and amenities through per-lot annual assessments.
- What you own & maintain: You own your single-family residential unit and lot. The association maintains all common areas and shared landscaping; your lot may be subject to Use and Benefit Easements that allow neighbors to access portions of your property for backyard purposes.
- Assessments & fees: Annual assessments are levied against each lot. Special assessments for major improvements, neighborhood assessments (if applicable), and enforcement assessments for violations are also possible; unpaid assessments create a lien on your property.
- Vehicles & parking: Family vehicles (cars, SUVs, pickup trucks, vans, motorcycles for personal use) are allowed in garages and designated parking areas; vehicle repairs on-site are prohibited. Commercial or recreational vehicles (large trucks, RVs, boats, trailers, campers, ATVs, golf carts, jet skis, etc.) are restricted.
- Architectural review & improvements: An Architectural Committee must approve all exterior improvements, including landscaping, fencing, roofing, solar devices, and satellite dishes. Lots cannot be further subdivided.
- Governance & associations: The Rancho Mercado Community Association, governed by a Board of Directors, operates the common areas and enforces community rules. Neighborhoods can establish subassociations to manage neighborhood-specific services and assessments.
- Construction warranty & dispute resolution: Disputes over alleged construction defects are subject to mandatory binding arbitration rather than court action. Limited warranty is provided for construction defects under Arizona law's specified timeframe.
Key facts from Rancho Mercado's documents
- Community type
- Single-family residential subdivision (Section 1.66 (Residential Unit defined a)
- Developer / declarant
- William Lyon Homes, Inc., a California corporation (Section 1.25)
- Governing law
- Arizona Revised Statutes (Section 1.8)
- Assessments & dues
- Annual Assessment levied against each Lot pursuant to Section 7.2; rate set by Board according to Section 7.3. (Sections 7.2, 7.3)
- Special assessments
- Special Assessments may be levied pursuant to Section 7.5. (Section 1.70, Section 7.5)
- Collections & liens
- Assessment Lien created by Article 7; nonpayment gives Association right to foreclose (Section 1.11, Article 7 generally)
- Reserves & fees
- Yes, per Section 7.17 (Section 7.17)
- Pets
- Yes, subject to restrictions (Section 4.11 Animals) (Section 4.11)
- Leasing & rentals
- Yes, subject to Leasing Restrictions (Section 4.32) (Section 4.32)
- Parking & vehicles
- Parking restrictions in Sections 4.14-4.20; including commercial/recreational vehicles, garages, side/rear yard parking areas, vehicle repairs, towing. (Sections 4.14-4.20)
- Fences
- Not explicitly detailed; but walls and fences are covered under maintenance (Sections 8.6-8.8) and likely require ARC approval. (Sections 8.6-8.8)
- Architectural approval
- Yes, for Improvements Visible From Neighboring Property (Section 3.2)
- Solar & roof
- Solar Energy Devices addressed under Section 4.24 (title). (Section 4.24)
- Home business
- Not explicitly prohibited but restricted activities may limit; Section 4.3 mentions 'Restricted Activities' which may include commercial uses. (Section 4.3)
- Signs & flags
- Not explicitly in provided text; but Architectural Committee approval required for improvements visible from neighboring property, which may include signs. (Section 3.2)
- Maintenance
- Areas of Association Responsibility defined in Section 1.6; Areas of Subassociation Responsibility defined. Maintenance of Common Areas by Association; Owners maintain their Lots and certain improvements. (Sections 1.6, 1.7, Article 8 (Maintenanc)
- Use restrictions
- Lots are for single-family residential use; Residential Unit defined as designed for single-family residence. (Section 1.66 (Residential Unit), Section)
- Voting & meetings
- Classes of Members (Class A and Class B) with voting rights; details per Section 6.7 (Section 6.7)
- Amendments
- Declaration may be amended by vote of 75% of Owners, plus written approval of Association and Declarant (while Declarant owns any Lot); Supplemental Declaration amendment requires 75% of votes in that Neighborhood plus approvals. (Section 10.3, Section 2.2.6)
Collections & enforcement records
Public records show 98 enforcement filings by this association between 2021 and 2026.
*Distinct properties liened, not filings — one home may be liened repeatedly over the years, so this counts the homes affected.
Source: Maricopa County Recorder and Maricopa County Superior Court public indexes.
About this HOA
Rancho Mercado is a homeowners association in Phoenix, AZ.
HOAproxy has 5 documents on file for Rancho Mercado: 4 amendments and 1 recorded document. Last updated 2026-07-18.
Governing documents
- Document (86 pages) — PDF
- Document (16 pages) — PDF
- Document (2 pages) — PDF
- Document (2 pages) — PDF
- Document (1 page) — PDF