HOA Built 109 Vacation Cabins on My Lake — So I Dropped the Dam Gates and Let Nature Handle The Rest

HOA Built 109 Vacation Cabins on My Lake — So I Dropped the Dam Gates and Let Nature Handle The Rest

Chapter 5

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My grandfather named the lake himself, but he never pretended the streams belonged to him simply because he controlled the dam. Water rights and land ownership were different things, he used to tell me, and a responsible owner learned both. The reservoir had operating obligations, downstream flow requirements, inspection records, and a long history of correspondence with state water authorities. Maintaining it was not the same as owning a backyard swimming pool. I had spent most of my adult life understanding those distinctions.

When I was ten, Granddad took me into the dam control building and showed me the brass plate installed during construction. He did not let me touch anything. Instead, he asked me to read the operating instructions posted on the wall and explain why water had to be managed carefully during spring runoff. I remember saying that the dam was strong enough to do whatever we wanted. He shook his head and told me that the stronger a structure was, the more responsibility the person operating it carried.

"Every acre of water has another acre downstream that can be hurt if you get careless," he said. "Never confuse the right to operate something with the right to forget everybody else." That lesson stayed with me through engineering school and thirty-five years of designing, inspecting, and rehabilitating water structures across the western United States. It stayed with me after Granddad died in 2004 and after my father died four years later. And it was the reason the decision I would soon make about Lake Whitmore was not as simple as turning a wheel.

My annual tax bill on the property was around $48,000. The dam cost money to inspect and maintain, and I paid for fish stocking, erosion repairs, storm cleanup, and the seasonal inspections that kept insurance companies and regulators satisfied. I had never tried to make a commercial resort out of the place. Helen and I had chosen a life here precisely because the lake did not have a row of restaurants and rental houses along the shore. For sixteen years I had protected that quiet with paperwork, maintenance schedules, and the occasional uncomfortable conversation with someone who believed an empty shoreline was an invitation.

David arrived just after six with a rolling case of documents and a laptop. I had sandwiches on the kitchen counter, but neither of us touched them while we spread the 2009 survey across the table. He opened a recent aerial photograph dated May 2024 and aligned the recorded property boundaries against landmarks confirmed by the survey. When the cabin roofs appeared beneath the boundary lines, he leaned closer, adjusted the scale, and checked again. Every single one of the 109 cabins appeared to lie inside my deeded tract.

That didn't mean a laptop overlay was enough to win a court case. David was careful about that. We would need a licensed surveyor to verify the monument positions, separate ownership of land from any recorded access rights, and check whether somebody had filed a new instrument without my knowledge. But the apparent encroachment was not a matter of inches. Several cabins were dozens of feet inside my boundary, and even the structures closest to Mountain Vista's upland property were on the wrong side of the line.

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HOA Built 109 Vacation Cabins on My Lake — So I Dropped the Dam Gates and Let Nature Handle The Rest

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