SaddleBrooke Reciprocal Use Agreement (RUA): What Homebuyers Should Know

Last updated: November 13, 2026

One of the unique features of living in SaddleBrooke, Arizona, is the ability to enjoy recreational facilities throughout the community, even though SaddleBrooke operates under two separate homeowners associations. The Reciprocal Use Agreement (RUA) between SaddleBrooke One (HOA 1) and SaddleBrooke TWO (HOA 2) establishes those shared-use rights.

Read the signed September 10, 2021 Reciprocal Use Agreement (PDF)

Understanding SaddleBrooke's Two Homeowners Associations

SaddleBrooke is divided into 50 numbered residential units and two separate homeowners associations. The unit numbers help identify which association governs a property:

SaddleBrooke One (HOA 1): Units 1 through 21, except Units 14, 15, and 17.
SaddleBrooke TWO (HOA 2): Units 14, 15, and 17, plus all units numbered 22 through 50. HOA 2 includes MountainView and The Preserve.

Each association has its own board, governing documents, dues, budget, and facilities. The RUA does not merge the associations or transfer ownership of their amenities.

What Does the Reciprocal Use Agreement Provide?

The signed agreement gives residents and lot owners of each association rights to use the other association's common areas and recreational facilities under the same terms and rules applicable to residents and owners of the association that operates them.

Facilities covered by the general reciprocal-use provisions include clubhouses, arts and crafts facilities, tennis facilities, fitness centers, and other amenities. The agreement generally prohibits separate charges for using those facilities unless the association charges its own residents or owners the same type of fee. Clubs may charge membership fees, but those fees must be the same for members of both associations.

Users must follow the rules of the association that owns or operates each facility. Specific availability, operating rules, and scheduling procedures should be confirmed with the appropriate HOA.

Golf Is Different

Golf is specifically treated differently under the RUA. Each golf course owner retains discretion over whether, and on what terms, to offer access, memberships, driving ranges, or putting greens to residents of the other association. Golf access should not be assumed to be identical across courses or associations.

What Happens in September 2029?

The RUA was executed on September 10, 2021. Section 3 provides for an initial eight-year term, reaching its eighth anniversary on September 10, 2029.

Importantly, the agreement also provides for automatic five-year extensions unless one association gives the other the written notice described in Section 3 that it wishes to terminate or renegotiate the reciprocal rights. For the initial term, the relevant notice deadline is the seventh anniversary of the agreement, September 10, 2028.

Therefore, September 2029 is not necessarily the date reciprocal access ends. Whether the agreement renews, is renegotiated, or terminates depends on its notice provisions and any subsequent actions or agreements by the associations. We have not independently verified whether either association has issued a notice or agreed to an amendment.

Why Does This Matter to Homebuyers?

Recreational amenities are a major part of the SaddleBrooke lifestyle. Buyers should understand which facilities belong to the HOA governing their prospective home, which facilities they currently access through the RUA, and which activities have separate policies or fees.

HOA boundaries matter: A property's unit number helps determine its HOA, annual dues, and governing documents.
Reciprocal use is contractual: Access to facilities in the other association comes from the agreement rather than shared ownership.
Golf requires separate research: Check course-specific membership, access, fees, and availability.
Future terms can evolve: Review current official HOA communications and any amendments before relying on long-term access arrangements.

Where to Find the Agreement and HOA Information

For the actual provisions, read the signed 2021 Reciprocal Use Agreement (six-page PDF). For current policies, notices, and any later amendments, consult the respective associations directly.

For more information about ownership costs, see our SaddleBrooke HOA 1 dues and fees guide and SaddleBrooke HOA 2 dues and fees guide.

Local Guidance From The Moore Advantage Team

We live and work in SaddleBrooke and help buyers and sellers understand the community's neighborhoods, home models, amenities, and HOA considerations. If you're considering a home in SaddleBrooke One, MountainView, or The Preserve, we're happy to help you explore the differences and ask the right questions.

Call The Moore Advantage Team at 520-477-7965 or learn more about our team.

This article is provided for general information, not as legal advice or an official statement from either HOA. The uploaded September 2021 agreement is the source for the contractual terms summarized here; confirm any later amendments, notices, and current operating rules with the associations.