Las Campanas HOA And Club: What’s Included?

Are you trying to sort out the difference between the Las Campanas HOA and the Las Campanas Club? You are not alone. Many buyers and sellers hear about dues, rules, and memberships and wonder what is required and what is optional. In this guide, you will learn what each organization covers, what you pay for, and how to verify the details before you buy or sell. Let’s dive in.

HOA vs. Club at a glance

• The HOA manages the residential community. It handles common areas, gates, and rules that protect neighborhood standards. HOA dues are typically mandatory for owners.
• The Club is a private membership organization. It operates golf, dining, fitness, and social amenities. Club membership is usually optional and paid separately.
• Some individual properties may have unique covenants. Always verify whether a lot has any deed language tying it to Club obligations.

What the HOA usually covers

Common-area care and community services

The HOA typically maintains shared areas and systems that serve the whole community. You can expect coverage for:

• Trails, open space, arroyos, and community landscaping in common areas
• Gate operations and security systems, plus community signage
• Roads and hardscape on common parcels and some lighting within common areas
• Management services, bookkeeping, and insurance for common elements
• Architectural review, CC&R compliance, and rule enforcement

Some neighborhoods within Las Campanas may also have small parks or added features. Confirm any neighborhood-specific amenities with the HOA manager.

What you, as the owner, usually cover

Owners generally handle everything on their own lot unless a neighborhood includes an exception. Plan to cover:

• Utilities like water, electricity, gas or propane, and septic or sewer
• Routine home and roof maintenance, and private landscaping within your lot
• Private driveways and exterior features on your parcel
• Your own homeowner’s insurance and, if advised, loss assessment coverage

If a neighborhood includes front-yard landscaping service or similar benefits, it will be spelled out in the documents. Ask the manager to confirm in writing.

Rules, design approvals, and how they work

Las Campanas has recorded covenants and a formal architectural review process. Before you change exterior colors, roofing, fences, walls, or add visible equipment like solar or propane tanks, you will submit to the Architectural Review Board for approval. Also review:

• Parking and driveway rules
• Pet, noise, and nuisance policies
• Holiday lighting, satellite dish, and exterior materials standards
• Leasing policies, including any minimum lease terms or short‑term rental limits

Approval timelines, deposits, and penalties for noncompliance are set in the HOA’s procedures. Ask for current forms and timelines.

HOA money matters and documents to review

Budget strength and reserves affect future dues and special assessments. Before you buy, request and read:

• Current dues schedule and operating budget
• Most recent financial statements and the reserve study
• Year-to-date spending and any approved special assessments
• Delinquency and collection history
• Insurance summary for common elements
• An estoppel certificate at closing to confirm the seller’s account status

What the Las Campanas Club includes

Amenities to expect and verify

The Club operates lifestyle and sports amenities that are not part of the HOA. Typical offerings include:

• Championship golf courses and practice areas with lessons and events
• Clubhouses with casual and formal dining, event spaces, and catering options
• Fitness, group classes, tennis or pickleball, and spa services
• Equestrian facilities and programs, where available
• Social calendars with member events, family activities, and junior programs

Because clubs evolve, confirm the current amenity list directly with the membership office.

Membership types and fees to confirm

Clubs commonly offer tiered memberships such as Full Golf, Social or Lifestyle, Sports, and Non‑resident or Young Executive. Each level has its own initiation fees, monthly or annual dues, and possible dining minimums. You should also ask about:

• Cart, trail, guest, locker, and event fees
• Whether there is a waitlist and how long it takes to activate membership
• Any transfer rules if you buy from a current member

Do not rely on estimates. Request the Club’s current schedule of fees and written policies.

How Club membership interacts with property ownership

Most owners in Las Campanas are not required to join the Club. A subset of lots or legacy agreements may have unique rules, so confirm with recorded covenants and the title company. Also note:

• Club amenities are for members. Trails and open space managed by the HOA are available to residents.
• If a seller holds a membership, learn whether it can be transferred, and whether fees apply to you or the seller.

Due diligence checklists

HOA checklist for buyers

• CC&Rs, Bylaws, and Rules and Regulations
• Architectural guidelines, applications, and approval timelines
• Current budget, most recent financials, and reserve study
• Board and annual meeting minutes for the last 12 to 24 months
• Insurance certificate for association policies
• Any special assessments or upcoming capital projects
• Collection policy and current delinquency rates
• Any pending litigation disclosures
• Estoppel certificate before closing

Club checklist for buyers

• Membership categories with privileges by category
• Initiation fees, dues, assessments, and any food and beverage minimums
• Guest policies, cart or trail fees, and locker fees
• Waitlist status and expected timing for activation
• Transfer rules on a home sale and any credits or required deposits
• Club bylaws, rules, and member conduct standards
• Any capital projects planned that could affect dues or access

Seller prep checklist

• Order a complete HOA packet with financials and recent minutes
• Confirm your account is current and resolve violations, if any
• Disclose any special assessments or enforcement actions
• Clarify whether you plan to transfer a Club membership or retain it
• Provide buyers with current contact details for the HOA manager and Club membership office

Santa Fe and New Mexico factors to consider

Water and irrigation

In the Santa Fe area, common-area irrigation can be a material HOA expense. Ask how the HOA sources and budgets for water, and whether drought conditions influence landscaping standards or costs.

Wildfire risk and defensible space

Santa Fe County encourages defensible space and brush mitigation. Many HOAs require owners to clear dead wood and maintain defensible zones. Request the community’s wildfire rules and confirm compliance steps for your lot.

Architectural style and materials

Design guidelines in Las Campanas reflect the region’s aesthetic. Expect standards for colors, wall heights, roof materials, and the visibility of solar or mechanical equipment. Review the architectural manual before planning any exterior work.

Utilities and services

Confirm whether your property is on septic or sewer, and what the HOA handles for trash and recycling. Ask about snow removal responsibilities and who maintains interior neighborhood roads and gates.

Closing and resale details that matter

• Estoppel certificate. Require a current estoppel showing dues status, fines, and any special assessments.
• Transfer and processing fees. HOAs and Clubs may charge transfer fees at sale. Confirm amounts and who pays.
• Club membership status. If a seller holds a membership, ask whether it can be transferred, and what the application and timeline look like for you.
• Rental policies. Some neighborhoods limit short‑term rentals or set minimum lease terms. Confirm rules before you buy if you plan to rent.
• Capital improvements. Review recent minutes for large projects like road work or irrigation upgrades that could affect dues.
• Insurance coordination. Ask your lender and insurance agent how the HOA’s master policy interacts with your own coverage, including loss assessment protection.

Red flags to watch

• Repeated special assessments or low reserves
• Pending or recent litigation against the HOA or the Club
• Mandatory club membership tied to the deed without clear disclosure
• Strict or inconsistently enforced rules that create conflict
• Major capital projects on the horizon without a clear funding plan

How we help you navigate Las Campanas

You should feel confident about what you are buying. As a locally rooted, boutique team with design and build expertise, we help you read the fine print, coordinate the right questions with the HOA and the Club, and plan improvements that fit Las Campanas standards. We also manage the document chase so your closing stays on track.

Whether you are moving up, relocating, or preparing a high‑end listing, you get full‑service guidance, from valuation and staging to contract strategy and project coordination. If you are weighing Club membership, we connect you with the membership office, outline timelines, and flag any transfer items early so there are no surprises at closing.

Ready to get clear on HOA versus Club and move forward with confidence in Santa Fe’s premier gated community? Reach out to the Ralph Alan Real Estate Group today. Ralph Alan Real Estate Group

FAQs

Is Club membership mandatory for Las Campanas homeowners?

• In most cases it is optional, but you should verify your lot’s recorded covenants and ask the HOA manager and title company to confirm any deed-specific obligations.

What do Las Campanas HOA dues typically cover for owners?

• Dues usually fund common areas, gates, community operations, management, and enforcement, while owners cover utilities, home and lot maintenance, and personal insurance.

Do HOA rules limit short‑term rentals in Las Campanas?

• Many associations set minimum lease terms or restrict short‑term rentals, so review the Rules and Regulations and confirm with the HOA manager before you plan to rent.

How do Club waitlists affect a home purchase timeline?

• If the Club has a waitlist, ask about timing and whether you can apply before closing, since activation dates can affect your ability to use certain amenities after you move in.

What should sellers provide to help buyers verify HOA and Club details?

• Sellers should deliver a full HOA packet with financials and minutes, disclose any assessments or violations, and clarify whether a Club membership will transfer or be retained.