Saddle Rock Ranch
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What Saddle Rock Ranch's governing documents say
Saddle Rock Ranch is a single-family residential community in Scottsdale, Arizona, governed by a homeowners association. You own your individual lot outright; the association maintains shared common areas and enforces design and use standards through a Design Review Board.
- What you own & maintain: You own your lot and your home (minimum 3,000 sq ft); you're responsible for all maintenance, repairs, and landscaping on your property. The association maintains common areas, shared facilities, and perimeter landscaping, including an equestrian trail.
- Residential use & restrictions: Lots are for single-family residential use only; home-based occupations permitted under city zoning. No commercial operations, temporary structures, hotels, or lodging allowed. Entire lots may be leased or rented, but not subdivided; minimum lot size is 20,000 sq ft.
- Home design & construction: All improvements require Design Review Board approval. Homes must be single-story (max 24 ft high), with specific setbacks (25 ft front, 25–35 ft rear, 10 ft side minimum depending on lot). Restrictions on roof materials, reflective surfaces, satellite dishes, and outdoor lighting apply. Garages must accommodate three full-sized automobiles.
- Architectural review process: A Design Review Board (initially appointed by the developer, with up to 3 members and 2 alternates) reviews and approves all exterior changes, from new construction to landscaping and accessory placement. All designs must comply with architectural guidelines and zoning setbacks.
- Pets & animals: Commonly accepted household pets (dogs, cats, birds, fish) are allowed in reasonable numbers as determined by the association. Pets must be restrained by fence, cage, or leash and cannot eliminate waste in common areas or other lots.
- Vehicles & parking: Vehicles must be parked overnight in enclosed garages or designated parking areas only. No overnight street parking except temporarily with board approval. No vehicles may be stored, neglected, or abandoned outside enclosed structures; the board may adopt specific rules for recreational vehicles, boats, and trailers.
- Assessments & fees: Owners pay uniform regular assessments per lot to cover common area maintenance, management, and insurance. Special assessments may be charged for repairs caused by owner negligence or to enforce compliance. Capital improvement assessments require member vote. Unpaid assessments become a lien on the property (at default rate of 18% or greater per annum) and have priority over subsequent liens (except first mortgages).
- Homeowners association governance: Every lot owner is a member of the nonprofit association. The board (3–7 directors) manages common areas and enforces rules. Voting: regular owners get 1 vote per lot; the original developer initially gets 10 votes per lot until the last developer lot is sold or 5 years have passed. Voting rights are suspended if an owner is 15+ days delinquent on assessments.
Key facts from Saddle Rock Ranch's documents
- Community type
- HOA (Community Association) (Section 6 (page 12))
- Developer / declarant
- Saddle Rock Ranch, L.L.C. (Title / Preamble (page 5))
- Governing law
- Arizona law (implied); recorded in Maricopa County (General; Section 14 (page 27))
- Assessments & dues
- Regular assessments determined by Board; special assessments by Board for specific purposes; capital improvement assessments require majority vote of members (Sections 8.3, 8.4, 8.5 (pages 16-17))
- Special assessments
- May be levied for repairs due to owner negligence or to enforce compliance (Section 8.4 (page 16))
- Collections & liens
- Association has lien with private power of sale; can foreclose by court action or trustee sale; subordinated to first mortgage (Section 8.7.2, 8.7.3 (pages 18-19))
- Reserves & fees
- Not explicitly required; Association may use reserves for insurance shortfalls (Section 12) (Section 12 (page 26))
- Pets
- Only commonly accepted household pets (dogs, cats, birds, fish) in reasonable numbers; no livestock or poultry (Section 5.11 (page 10))
- Leasing & rentals
- Yes, but only in entirety (whole lot, not partial) (Section 5.1 (page 7))
- Parking & vehicles
- Overnight parking only in garages or designated parking areas; no overnight street parking without Board approval (Section 5.5 (page 9))
- Fences
- Perimeter walls subject to Design Review Board approval; no masonry walls in public utility easements between certain lots; common walls straddle lot lines (Sections 9.1.4.2 (page 20) and 5.15.1 (p)
- Architectural approval
- Yes – any building, structure, or improvement requires prior written approval of Design Review Board (Section 5.2 (page 7) and Section 9 (page)
- Solar & roof
- Solar energy devices allowed on roof with DRB approval; must be flush-mounted and minimize visibility (Section 5.4.6 (page 9))
- Home business
- Allowed only if defined and permitted under Zoning Ordinance (Section 5.1 (page 7))
- Signs & flags
- No 'For Sale' or other signs except in designated areas; street names/numbers only as installed by Developer or approved by Design Review Board (Section 5.7 (page 9))
- Setbacks / home size
- Minimum setbacks vary by lot groups: Front 25', Rear 25' or 35', Side 10' or varies; distance between structures 10' (Section 5.2 (page 7))
- Use restrictions
- Each lot shall be used only for residential purposes; no business or commercial enterprise except home occupations allowed by zoning (Section 5.1 (page 7))
- Voting & meetings
- Class A (non-developer): 1 vote per lot; Class B (Developer): 10 votes per lot, converts to Class A upon sale of last developer lot or 5 years (Section 6.4.1, 6.4.2 (page 13))
Collections & enforcement records
Public records show 2 enforcement filings by this association between 1998 and 2025.
*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
Saddle Rock Ranch is a homeowners association in Scottsdale, AZ.
HOAproxy has 6 documents on file for Saddle Rock Ranch: 5 amendments and 1 CC&R. Last updated 2026-07-18.
Governing documents
- Document (33 pages) — PDF
- Document (5 pages) — PDF
- Document (1 page) — PDF
- Document (1 page) — PDF
- Document (30 pages) — PDF
- Document (30 pages) — PDF