General Manager Message

Understanding the Difference Between Master and Sub-Associations

When you purchased a home or condo in Dobson Ranch, you did not just buy a house, you entered into a contract. That contract, known as the Covenants, Conditions, and Restrictions (CC&Rs), is not just a set of rules, it is an agreement that ensures the integrity, beauty, and value of our community. Depending on where your home is located, you may also be subject to additional or specific CC&Rs.

As is typical with large planned communities, there is a master association, and there are sub-associations. Not every owner in Dobson Ranch is part of a subassociation, but every owner in Dobson Ranch is part of the Dobson Association Inc. Master association. The different associations, whether sub-association or part of the master association, serve different functions and have separate roles in community governance. Understanding the difference is key to knowing which rules apply to you, what your dues pay for, and where to go with questions or concerns.

What Is a Master Association?

A master homeowners association (HOA) is essentially the “umbrella” organization that governs an entire community or development. This community is often divided into smaller neighborhoods or sections—that have their own sub-association. The master association provides oversight and management for shared spaces and services that benefit the entire development. Think of it as the glue that holds multiple neighborhoods together.

What Is a Sub-Association?

A sub-association is a smaller, more localized HOA that operates within the boundaries of a master association. Sub-associations manage specific neighborhoods or property types—such as townhomes, condos, or gated areas—and have their own set of governing documents, rules, and assessments.

Residents in a sub-association are subject to two sets of rules: those established by their sub-association and those enforced by the master association.

Separate Entities, Separate Responsibilities

Although sub-associations operate under the master association, they are legally distinct entities with their own boards of directors, governing documents, and responsibilities. This separation allows each association to focus on its specific duties:

• Master Association: Manages shared communitywide amenities such as the lakes, greenbelts, clubhouses, swimming pools, and the park.

• Sub-Association: Maintains more localized features such as private roads, small parks, or amenities exclusive to that neighborhood.

It is important to note that all of the sub-associations in Dobson Ranch are separate entities from the master. As such, we do not share homeowner information. This includes, but is not limited to, address changes, tenant registration, violations, account balances, voting rights, etc.

Who Collects Dues?

Residents in these communities pay two sets of dues—one to the master association and one to their sub-association. These dues cover the maintenance and management responsibilities assigned to each organization.

Rules and Regulations: Which Apply?

One of the most common questions is, “Which rules do I follow?”

The answer: Both.

Residents must adhere to the rules set by the master association and those set by their subassociation. Generally, the master association’s rules address community-wide issues like architectural standards, exterior appearance, and use of shared amenities. Sub-association rules are more specific, often dealing with landscaping, parking, or property modifications within that neighborhood.

Importantly, sub-association rules cannot conflict with the master association’s documents. If a conflict arises, the master association’s rules prevail.

This is especially important for owners who rent their properties. You must provide your tenant with the rules and regulations of both the master association and sub-association (if applicable) as you are responsible for violations that your tenants receive. Additionally, you must ensure that tenant registrations are filled out correctly using the appropriate form for each association.

Board Representation and Governance

Both master and sub-associations typically have their own boards of directors and hold separate meetings. In some communities, each sub-association appoints a representative—often the sub-association president— to serve on the master association’s board. In others, like ours, the master board is elected by a vote of all homeowners across the community.

Regardless of the structure, it’s essential for homeowners to stay informed about decisions made at both levels, as they can impact day-to-day living and long-term community planning.

Final Thoughts

Living in a community governed by both a master and a sub-association can offer many benefits—such as well-maintained amenities, consistent aesthetics, and organized management. However, it also requires a clear understanding of how each entity functions and what responsibilities they carry.

To avoid confusion and ensure compliance, take time to review your association’s governing documents, attend meetings, and stay engaged. Doing so helps promote a well-managed, harmonious community for everyone.

Have questions about your specific association structure? Contact your community management team for assistance or clarification.

-Steve Burns

General Manager CMCA, AMS, CAAM City Property Management Company