Stillwater, Oklahoma · Board Hub

Los Rancheros Property Owners Association

One place for the board: the next meeting, who’s serving, what’s being decided, and the contracts and property issues in play. Share this page with fellow directors — no login needed.

143 homesHomeowner board since Oct 20, 20266 HOA-owned private streetsAssessment $400 / year
$45,862Association assets — down from ~$52,000 in spring 2026
7 units · $3,100Delinquent — down from 36 units / $15,251 in Jan 2026
$14,760 / yrNew grounds contract — Golden Oak, from Jan 1, 2027
1st SaturdayBoard’s own monthly meeting — in person at WorkIT
Next board meeting

Monday, November 16, 2026

Officer elections and the vote to reaffirm — with any board amendments first — the declarant-approved 2027 budget. Board briefing and the corrected Golden Oak estimate have been sent to all directors, Justin Cypert-Worley, and HOALiving.

  • Elect officers & create Vice President
  • Grounds: end Acorn & Weeds, award Golden Oak
  • Streets, drainage & missing street signs — on the record
3 daysuntil Nov 16 · Quorum is 3 of 5 directors
After Nov 16Sat, Dec 5, 2026 — board’s own meeting at WorkIT, time TBD. No management company.

The board

Terms to 2027 / 2028
CT

Chris Todd

Term to 2027

President — Nov 16 slate
SM

Sherril Moore

Term to 2028

Treasurer — Nov 16 slate
DW

Dusti Waters

Ana Waters · Term to 2027

Secretary — accepted
CC

Clif Cypert

Term to 2028

Vice President — to be created
MK

Mike King

Michael King · Term to 2028

Member-at-Large

Also appointed Nov 16: Justin Cypert-Worley as parliamentarian & Standards Committee chair, and John White to the Standards Committee. The board is at its five-director cap.

Nov 16 — decisions on the floor

For the minutes
  1. 1
    Terminate Acorn; cancel All Outta WeedsAcorn on 30 days’ notice without cause (§21) — if mailed Nov 17, effective Dec 17. Weeds was never signed: cancellation only, no refund. Pond / basin treatment continues under the new signed grounds contract.
  2. 2
    Award grounds to Golden Oak Lawn & LandscapeEstimate #3447 (corrected Nov 12): $14,760/yr, $1,230/mo, Jan 1–Dec 31, 2027. Scope names all three areas — 44th St frontage strip, both entry sign areas, and the detention basin (Outlot A, Ravine St), mowed & sprayed as needed. Insurance certificates gate signing, not the award.
  3. 3
    Reaffirm the 2027 budget, as amendedFour amendments + reallocation agreed Nov 7. Landscaping line falls from $23,640 with the Golden Oak award; basin repairs sit under Maintenance & Repairs. Budget v3 was sent to Aimee Nov 9.
  4. 4
    Streets — ask on the recordAsk whether repair proposals are being obtained under the Declarant’s Oct 20 commitment, for the Declarant’s account — and formally ask the Declarant to pay for the erosion work. No email vote; this is a floor item.
  5. 5
    Drainage: Lot 8 → 44th St & Elm Ridge swaleMike King presents item 7d. Severe erosion in the ~20-ft western easement affects 8 homes — Block 1 Lots 8 down to 1, from Mike’s house south to the 44th St corner (counted on the filed plat). Lennar is building nearby — ask it to bring dirt & rock and finish the swale to the approved profile, compacted and stabilized, while crews are in the area.
  6. 6
    Missing street-name signs — 2 of 9 cornersStreet-name signs belong at 9 corners per the filed plat; Sherril’s loop drive Nov 13 confirmed 7 present, 2 missing — but for different reasons. Hilltop & Ravine was installed and fell: a homeowner reported the fallen sign Feb 12, 2026 (Work Order #10047980); management replied Feb 24 that someone would be on site the next day coordinating with the developer. The developer has since put the post back up, but the two name blades were stolen. The work order now reads “Complete,” and the board’s own Nov 7 ticket (#XN12710534) was closed the same way, with no reopen option — even though the sign was still missing. Ask on the record: what work was actually done under #10047980, and why were #10047980 and #XN12710534 closed “Complete” with the sign still missing? The fix is the Association’s: order and pay for the 2 replacement blades (Hilltop Ave and Ravine St) — direct management to order them and arrange installation at the Association’s expense (Maintenance & Repairs), and report the order and cost back to the board. Elm Ridge → Hidden Hills (north end of Elm Ridge, where it curves east and becomes Hidden Hills) is separate: no sign and no post were ever installed there — ask whether the Declarant’s sign order ever covered all nine corners.

Expenses — 2026 vs. 2027 proposed

Budget v3 · Rev. Nov 9, 2026

Every expense line, three ways: what 2026 was budgeted, what was actually spent in the first half of 2026, and the proposed 2027 budget the board votes on Nov 16. Totals are at the bottom.

Bars are drawn to scale from $0; the longest bar — Transfer to Reserves, 2027 proposed — is $19,824. A dash (—) means the budget document shows no amount on that line.

The true cost of management — $10,768 a year. The Management Fee line ($9,438) is only the base fee: $5.50 × 143 homes × 12 months. The rest of the management arrangement’s charges sit in other lines of the 2027 proposed budget — the $25/mo technology fee ($300/yr, coded inside Administration Fees), the $550 tax-return charge (the whole Professional Services line), and Copies, Postage & Office Supplies ($480). All-in: $9,438 + $300 + $550 + $480 = $10,768/yr.
Expense line2026 Budget2026 Actual*2027 Proposed

*2026 Actual runs through June 30, 2026 only — the first half of the year, which is why it sits well below the full-year columns (assessments are billed up front; many expenses land later in the year). Source: HOALiving budget document, rev. Oct 26, 2026, for the 2026 columns. 2027 Proposed is Budget v3 (rev. Nov 9, 2026) with the board’s amendments: landscaping at the Golden Oak award ($14,760), reserves at $19,824, insurance at $2,600, the delinquency allowance cut to 5% ($2,860), and Professional Services trimmed to the $550 tax-return cost, with the freed $350 swept to reserves. One correction: the document prints a 2026 budget surplus of $257, but its own rows give $2,557 ($50,800 income − $48,243 expenses) — the table above uses the recomputed figure.

Money snapshot

Oct 2026
Reserves fully funded for 2027

Budget v3 (rev. Nov 9, 2026): the reserves line is $19,824 — $424 over the $19,400/yr need, with an $8 overall surplus. The earlier $9,800/yr shortfall (from the original Oct 13 draft) no longer applies. Long-term funding beyond 2027 is a separate question — reserves fund future upkeep of HOA-owned streets.

No reserve study on file

The portal’s reserve-study folder is empty. No professional study has been done.

Insurance — verified Nov 2, 2026: Policy HOA1000033762-02, Apr 26, 2026–Apr 26, 2027, $1,734 premium. GL $1M / $2M; Outdoor Property $160,000, replacement cost, $2,500 deductible; crime/fidelity included. Broker: The Baldwin Group.
Two fixes for renewal: policy rates 106 units vs. 143 homes, and no D&O coverage was found — pricing D&O is the headline January item.

How we work

Standing practice

Minutes are ours. Dusti records and drafts as Secretary; the board sends approved minutes to Aimee afterward for the portal. HOALiving does not take minutes when the board takes its own.

No blast emails unrelated to the HOA from HOALiving unless board-approved. Chris is drafting a Good Neighbor Policy one-pager.

Quorum note: Owner-meeting quorum stays at 50% until members amend the bylaws (majority of all members). The board wants that change put to an owner vote — help will be needed on the consent drive.

Management-company question is parked. A change was deferred 6 months on Nov 7 (revisit ~May 2027). Westward360’s financial-only ballpark (~$5,810–$7,520/yr) is kept as an option for later; full-service quotes are the live comparison track.

Treasurer

Sherril Moore · Bylaws §6.7

Sherril Moore, Treasurer — elected Nov 16. Under Bylaws §6.7, the Treasurer reports the Association’s finances at every regular and annual meeting. Essentials from the Treasurer’s report, Nov 13, 2026.

First Citizens Bank · Operating$41,561.37

FCB Operating checking — Sept 30, 2026 financials.

First Citizens Bank · Reserve$1,201.27

FCB MM Reserve money-market account — Sept 30, 2026 financials.

Total assets$45,862

Association total assets — Sept 30, 2026 financials.

Delinquency — Nov 13, 2026

$1,991.58 owed across 53 accounts, per the portal’s live homeowners list today. Down from $3,100.04 at Sept 30, 2026.

Reserves — Budget v3

$19,824 in the 2027 proposed budget, against a $19,400 / year need — $424 over.

Authorized signers — open item for Dec 5. No governing document names the authorized signers, and who is on the First Citizens Bank accounts today is unknown. On the Dec 5 agenda: the board names two signers and sets the dollar limit above which both signatures are required.

Monday money checks — Nov 16

  1. 1
    Listen for $100 — not $1,000In the budget adoption motion, listen for the $100 figure.
  2. 2
    Don’t sign Golden Oak yetDo not sign the Golden Oak contract until the insurance certificates are in hand. Certificates gate signing, not the award.
  3. 3
    Largest delinquent account — 4120 S Elm Ridge · $861.79This account has sat at “Review for Attorney” since June. Ask management on the record: has counsel been engaged on it, and what is the next step under the Collections Policy?

Vendors & contracts

Who does what
VendorRoleKey termsStatus
HOALiving Oklahoma, LLC
Aimee Winegar · Jacob Sadler
ManagementAll-in ≈ $10,768/yr (2027 proposed). Base fee $5.50/unit/mo = $9,438/yr — plus charges on other budget lines: $25/mo tech fee ($300/yr, coded in Administration Fees), $550 tax return (Professional Services), $480 copies & postage. Term to Dec 31, 2028, auto-renews 2 yrs. Either party may terminate without penalty on 60 days’ certified-mail notice.Active
Golden Oak Lawn & Landscape LLC
Raphael · Troy (insurance)
Grounds — all three areas$14,760/yr from Jan 1, 2027. Also registering in HOALiving’s vendor RFP process.Award Nov 16
AcornMowing (outgoing)30 days’ notice without cause, §21. May claim up to ~$975 final true-up with documentation.Ending Dec 17*
All Outta WeedsTurf / pond (unsigned)Never signed. No turf treatment is needed — homeowners maintain their own lawns and there is no common-area turf.Cancel Nov 16
The Baldwin GroupInsurance brokerPolicy at 4317 Elm Ridge St. See insurance note above.Renewal Apr 2027

* If notice is mailed Nov 17, 2026.

Property watchlist

Open land & street issues

🛣️ Private streets — construction cracks

All 6 streets are HOA-owned (“ROADS WILL NOT BE MAINTAINED BY THE COUNTY”). Large construction-caused cracks throughout. Lennar’s repair commitment was put on record Oct 20; Sherril is video-walking each street once, originals kept untouched as evidence.

🌊 Detention basin — Outlot A, Ravine St

Between Lots 42/43. Mowed, with a central erosion track, broken flume, cracked outlet / scour hole, and twin pipes at both ends. Chris wants the basin’s permit + engineering plans.

💧 Drainage easement — west boundary, Lot 8 → 44th St

~20–21 ft easement behind Lot 8 running south to 44th St. Counted on the filed plat (Block 1, west side of Elm Ridge): 8 homes — Mike’s Lot 8 plus Lots 7, 6, 5, 4, 3, 2 and 1, with Lot 1 on the 44th St corner. The plat marks a 20′ drainage easement along the rear (west) line of Lot 8, widening to 45′ behind Lot 1. Severe erosion reported since mid-2023; some spots too unsafe for mowers. Homeowners may not fence it but must maintain it. Live question: construction-phase responsibility vs. owners’ duty under Declaration §9(g). Separate issue: the Lots 55/56 drainage easement at Wells & Blackberry is a different easement — not part of this one.

🪧 Street-name signs — 7 of 9 present

Per the filed plat, street-name signs belong at 9 corners. Final count from Sherril’s loop drive, Nov 13, 2026: 7 present, 2 missing. Present: Elm Ridge & 44th, Blackberry & 44th, Elm Ridge & Hilltop, Elm Ridge & Wells, Blackberry & Wells, the Ravine → Wells bend, and the Hidden Hills → Ravine bend. The two missing corners are different stories. Hilltop & Ravine — the sign was installed, and it fell. A homeowner reported the fallen sign to management on Feb 12, 2026 (Work Order #10047980); management replied Feb 24, 2026 that someone would be on site the next day coordinating with the developer. The developer has since put the post back up, but the two name blades were stolen. The work order now reads “Complete” — and the board’s own Nov 7 ticket (#XN12710534) was closed the same way, with no reopen option — even though the sign was still missing. The board’s Nov 16 questions: what work was actually done under #10047980, and why were #10047980 and #XN12710534 closed “Complete” with the sign still missing? The fix: the Association orders and pays for the 2 replacement blades (Hilltop Ave and Ravine St) — management is directed to order them and arrange installation at the Association’s expense (Maintenance & Repairs) and report the order and cost back to the board. Elm Ridge → Hidden Hills bend — at the north end of Elm Ridge, where it curves east and becomes Hidden Hills: no sign and no post were ever installed there, a second unfinished corner; the Declarant sign-order question — whether the original order covered all nine corners — applies to this corner.

🪧 Entries & 44th St strip

Entry signs are unlit and unmaintained; the 44th St strip is not irrigated. Both are in Golden Oak’s scope from Jan 1. Landscaping scope in old contracts mentioned cluster mailboxes — none exist; that $1,778/yr line was removed Oct 13.