Saratoga TerraceHOMEOWNERS ASSOCIATION
Welcome, neighbors

Everything about our community, in one place.

Find meeting dates, governing documents, and board contacts, plus resources for exterior changes, maintenance, and community life. If you can't find something, write to us and we'll help.

Evening view over the water, with pink clouds above evergreen trees and the shoreline
News & events

What's happening

2027 mowing schedule sign-up is open

The 2027 mowing schedule is available to sign up. Please contact Phil Smith to choose your spot.

Annual meeting and beach party

The 2026 annual homeowners meeting took place at 10:00 AM at the South Camano Grange, followed by the beach party at 3:00 PM on the beach lot.

Upcoming dates

  • Feb152027
    Annual operating assessment due$957 with a structure, $642 without · Pay Shelley Rucker
  • Jul152027
    Water assessment due$1,800 per lot · Pay Shelley Rucker
Documents

Governing documents and records

Official documents for owners, prospective buyers, and neighbors. More will be added here over time.

DocumentCategoryAmendedFile
Revised Restrictive Covenants, Revision 2GoverningJune 8, 2019PDF · 14 pages
Revised Bylaws, Revision 1GoverningJune 8, 2019PDF · 27 pages

Both were recorded with the Island County Auditor on June 12, 2019. Questions about a document? Email the board.

Your board

Neighbors who volunteer

Board members are elected by owners each year at the annual meeting. Board meetings are open to all residents.

RW
President

Rebecca Wininger

RC
Vice President

Roger Cocke

SR
Treasurer

Shelley Rucker

ML
Secretary

Mandy Lange

JJ
Member at Large

Jeff Johnson

PS
Member at Large

Phil Smith

Resident resources

Answers to common questions

Summarized from our covenants and bylaws. If anything here differs from the recorded documents, the documents control.

How much are assessments, and when are they due?

Each lot owes an annual operating assessment, due February 15, 2027: $957 if there is a structure on the lot, or $642 if there is not. Each lot also owes a water assessment of $1,800, due July 15, 2027. Both are paid to our treasurer, Shelley Rucker. If you need a payment plan for annual dues, contact the President or Treasurer at the start of the year. Annual dues received after March 15 are late and carry a $25 late fee plus 1% interest per month. Payments more than 90 days overdue are delinquent, and the board may suspend member privileges, including voting and use of the common areas. (Bylaws, Article X)

How do I get approval to build, add a fence, or trim trees?

Any new structure, including a fence, needs the board's written approval of a site plan before work begins. Contact the Architecture Committee early, and submit final plans no later than the day you apply to Island County. Send a written request with sketches, photos, or plans to the board's Secretary. The board responds in writing, and if it takes no action within 30 days it is deemed to have waived its review. The same process applies to requests about removing, topping, or trimming trees and shrubs. You must be in good standing (dues paid and no violations) to build. (Covenants, Articles 11 to 15)

When is the annual meeting, and how is the board chosen?

Members meet at least once a year. The bylaws set the annual meeting for the second Saturday in October, though the date can change, and the board president sets the time and place. Written notice goes to every owner 14 to 50 days ahead. The board is elected each year at the annual meeting, and directors are volunteers. The board meets at least twice a year, and its meetings are open to members. If you cannot attend a meeting, you can vote by written proxy. (Bylaws, Articles V and VI)

Who can use the beach lot?

Our beach lot on Elger Beach Lane, with its boat ramp and cabana, is for members in good standing and their guests. Owners are responsible for the conduct of their family and guests, and everyone is expected to clean up after themselves. The Beach Committee handles upkeep and reserving the beach for gatherings. Members of the neighboring Camano Shores HOA may walk across a 10 foot strip along the north edge of our lot, but they may not use the gazebo or boat ramp. (Bylaws, Article III and Article IX)

What are the rules on pets, parking, trash, and firearms?

Outdoor animals are limited to household pets, no more than three, and Island County pet ordinances apply. Guests may park a boat, RV, or trailer on the street or driveway for up to seven days if it does not block traffic or views. Unregistered or non-operable vehicles and boats may not stay on a street or lot more than 30 days in a calendar year. Outdoor garbage must be kept in an enclosed, flyproof container, and burning garbage is prohibited. Discharging firearms anywhere on community property, including from the beach over the water, is prohibited and can bring a fine of up to $1,000. (Covenants, Articles 17 and 21)

What else should I know about my lot?

Each lot is for a single-family home plus one accessory living space or guest cottage. Home offices and quiet home businesses are fine, but advertising signs are not allowed, and other businesses need board approval. Keep your property neat and orderly, and if you own a vacant lot, keep weeds, blackberries, trees, and shrubs from blocking neighbors' views. Fuel tanks must be buried or built into a structure, and propane tanks more than three feet from the house must be screened from the street. Protecting each lot's view of Saratoga Passage and the Olympics is one of the covenants' main purposes. (Covenants, Articles 2, 4, 10, 18, and 19)

Who do I contact about the water system?

The Water Committee oversees our community water system and keeps it in compliance with Washington state requirements. To report a problem, use the contact form below, and the board can approve emergency repairs without waiting for a membership vote. For any emergency, call 911. (Bylaws, Articles VIII and IX)

Contact

We're here to help

Send a message to the board and a member will get back to you.