I Bought a 1,000 Acre Farm Next to an HOA — They Didn’t Realize Their Water Came From My Land

Chapter 7

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Howard Finch came out in the fourth week of the documentation phase. He spent a full day on the property. He reviewed the survey. He inspected the wellhead. He reviewed Marcus Webb’s flow data. He walked the boundary. He took his own photographs. He said he would have a written appraisal report within three weeks.

I made coffee when we got back to the farmhouse. Howard sat at my kitchen table and looked at the binder. He flipped through it slowly without saying much. Then he closed it and looked at me. He said, “Dale, whoever advised you to document everything from day one saved you a significant amount of trouble.” I told him it was my attorney’s advice. He nodded. He said, “Good attorney.”

The county recorder’s office responded in twelve business days. The letter arrived on official letterhead signed by the county recorder herself. It stated clearly and without qualification that no utility easement, no water rights transfer, no recorded license agreement, and no encumbrance of any kind had been filed between my parcel and the Maplewood Estates development or its HOA at any point in the recorded history of either property.

The letter cited the specific parcel identification numbers for both properties. It cited the date range searched. It was thorough and unambiguous. I read it twice standing at my mailbox. Then I walked inside, photographed it, scanned it, and called Patricia. She asked me to read the key paragraph aloud. I did. She said, “That is exactly what we needed. File it.” I filed it in the binder behind a fresh tab labeled County Confirmation.

The HOA’s response to Patricia’s records request came ten days later. It was incomplete. They provided a copy of their CC&Rs and two years of board meeting minutes. Patricia had requested five years minimum. She sent a follow-up letter citing the specific statute and the required scope of disclosure. She gave them fourteen days to comply fully or face a disclosure violation complaint with the state HOA regulatory office.

They complied. Reluctantly. The full response arrived in a large envelope. Patricia’s paralegal went through it first. She flagged several items and called me to come into the office. I sat across from Patricia as she walked me through what the minutes contained. In the second year of the HOA’s operation, there was a board meeting entry that referenced the well directly.

The minutes recorded a motion to formally approach the landowner, Elton Marsh at that time, to establish a legal easement. The motion had passed four to one, but the follow-up action item listed in the next meeting’s minutes showed only this: easement pursuit tabled indefinitely. They had known. The board had formally acknowledged eleven years ago that they needed a legal easement. They had voted to pursue one, and then they had done nothing.

They had simply continued using the water and hoped no one would ever press the issue. Patricia set the papers down and looked at me steadily. She said those minutes were the single most important document in the file because they proved knowledge, not innocent assumption, not an honest mistake. The board had known they had no legal right to that water and had consciously chosen to table the issue rather than resolve it.

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I Bought a 1,000 Acre Farm Next to an HOA — They Didn’t Realize Their Water Came From My Land

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