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What is a Reserve Fund—and how is it actually used?


A reserve fund is not a savings account you never touch.
It is a planned fund set aside for the repair, replacement, and major maintenance of common area components over time.
According to the Community Associations Institute (CAI), reserve funds are used for:
* Major repairs and replacements
* Infrastructure maintenance
* Preventing sudden large costs (like special assessments)
In other words—reserves exist so homeowners don’t get hit with massive surprise bills later.


What does that mean for our community (ECR)?
Our HOA owns and maintains:
* Private roads (our largest asset)
* Drainage paths and washes
* Common areas and landscaping tied to infrastructure
That means our reserve planning isn’t just about pavement—it also includes protecting what keeps that pavement from failing.

How is ECR using reserves today?

The last couple of years have been what we’ve called an ECR reset:
* Addressing over 15 years of deferred landscaping and erosion issues
* Stabilizing common areas and drainage
* Protecting roads and infrastructure from future damage
The goal is to have these major issues by the end of the year under control and move into a “monitor and maintain” phase Which means:
Lower ongoing costs
More predictable budgeting
Continued strengthening of reserve funds

How do we compare to SaddleBrooke

Recently, we’ve seen some comparisons being made about what SaddleBrooke supposedly pays for landscaping versus ECR. To really understand that, it’s important to step back and look at the bigger picture and how these communities are structured.

SaddleBrooke:

  • Total operating budget:
    $7,016,667 per year
  • Common area maintenance alone:
    $1.75 MILLION
  • Admin (G&A):
    $2.9 MILLION
  • Total cash & investments:
    $16 MILLION
  • Reserve spending (early 2026):
    $942,994 already spent
  • Monthly dues:
    $611/month per home

🏡 ECR

  • Total operating budget:
    $594,800 per year
  • Landscaping (annual pace):
    $200K–$220K
  • Total reserves:
    $2 MILLION
  • Monthly dues:
    $50/month per home

Key Takeaways

  • SaddleBrooke spends ~$1.75 million/year on common area maintenance
  • ECR spends ~$200K/year – Take a walk around ECR and our neighborhood looks as good if not better that SaddleBrooke for a fraction of the cost

Let’s Compare monthly dues, ECR is around $50/month, while communities like SaddleBrooke are $600+ per month and operate on a completely different scale.
For example, SaddleBrooke spends more on common areas alone than ECR collects in total dues per home.

We are a community committed to maintaining property values, through instruction maintenance, and landscaping, all while keeping dues affordable.