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Keys Breeze October 2026

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Ta h o e Ke y s Pr o p e r t y Own e r s A s s oc i ati on

PG. 14

IMPORTANCE OF DOG LEASH AND OTHER PET RULE REQUIREMENTS PG. 25

COVE ASSESSMENTS, RESERVES, AND MAJOR PROJECTS PG. 26-27

356 Ala Wai Boulevard South Lake Tahoe, CA 96150

Tahoe Keys Property Owners Association

OCTOBER 2026

PROTECTING OUR COMMUNITY - CONTINUED PROGRESS ON TKPOA'S INSURANCE PROGRAM


You Know Me. And I Know the Tahoe Keys. 530.545.0888

IT’S A GREAT TIME TO LIST YOUR PROPERTY!

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530-541-2200

adele@adelelucas.com

HERE ARE YOUR SEPTEMBER 2026 TAHOE KEYS STATISTICS: SINGLE FAMILY

SEPTEMBER 2026

5

SOLDS:

AVG. SOLD PRICE: $1,949,600 ($791.98/sq. ft. avg.)

45

SOLD DOM:

99.53%

% OF ASKING PRICE:

3

ACTIVE: AVG. LIST PRICE:

$1,512,333 ($728.05/sq. ft. avg.) 16

AVG.DOM:

TOWNHOUSES

SEPTEMBER 2026

3

SOLDS:

$658,333 ($499.60/sq. ft. avg.)

AVG. SOLD PRICE:

183

SOLD DOM: % OF ASKING PRICE: ACTIVE: AVG. LIST PRICE: AVG.DOM:

98.84% 15 $744,220 ($561.77/sq. ft. avg.) 185

— FEATURED LISTINGS — NG

I ND

PE

TAHOE KEYS POINT UNIT 555 Tahoe Keys Blvd #13 | $775,000

ARTFUL TAHOE LODGE 2020 Aloha Drive | $1,688,000

UNIQUE FREE STANDING 2071 Venice #294 | $668,000


Low inventory and high demand...

It’s time to list! LET ME GIVE YOU A COMPLIMENTARY MARKET ANALYSIS TODAY PROPERTIES THAT I’VE RECENTLY SOLD:

SOLD

SOLD

2020 Kokanee | $1,975,000

2011 Kokanee | $1,889,000

SOLD

SOLD

1940 Kokanee | $1,465,000

2128 Inverness | $4,000,000

SOLD

SOLD

SOLD

SOLD

1876 Genevieve | $1,325,000

2144 Inverness | $1,550,000

2157 Balboa | $5,500,000

489 Tahoe Keys #73 | $600,000

SOLD

2140 White Sands | $5,750,000

SOLD

2171 White Sands | $3,030,000

BRE #00838770

SOLD

296 Beach | $6,000,000

SOLD

1977 Aloha | $1,600,000


Screening Matters: A Preventive Health Guide 7 TKPOA October 2026 Calendar + Beyond 8 2026 ACC Metting Schedule

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Board Actions Summary

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Architectural Control (ACC) Applications - How to Apply Online

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Continued Progress on TKPOA’s Insurance Program 14 Insurance Disclosure

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President's Message

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Submitting a Service Request

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Assessment Collections Update 20 Notice of Change in Association Rules 22 Importance of Dog Leash and Other Pet Rule Requirements

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Cove Assessments, Reserves, and Major Projects 26 Water-Wise Irrigation & Winter Preparation Tips 28 Keys Life

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PUBLISHING DISCLOSURE NOTICE The Keys Breeze is the official monthly publication of the Tahoe Keys Property Owners Association (TKPOA), which is located at 356 Ala Wai Blvd., South Lake Tahoe, CA 96150. Each membership parcel receives one subscription to Keys Breeze mailed to a domestic address. Cost to produce and distribute this publication is offset by advertising revenues and budgeted funds. The inclusion of advertising in this publication does not constitute an endorsement or recommendation by the Tahoe Keys Property Owners Association or its Board of Directors of the projects, services or views contained therein.

TOWNHOME OVERSIGHT COMMITTEE/FACILITIES OFFICE HOURS Townhome Oversight Committee/ Facilities Office Hours are every Monday from1:00PM to 3:00PM (excluding holidays), appointments can be booked up to the Wednesday prior to the meeting using the following link, https://calendly. com/john-cefalu-fsresidential/30min You may also scan the QR code with your phone

The Keys Breeze Magazine IS THE OFFICIAL PUBLICATION OF THE TAHOE KEYS PROPERTY OWNERS ASSOCIATION

356 Ala Wai Boulevard South Lake Tahoe, CA 96150 (530) 542-6444 p (530) 541-2521 f tkpoa.com ADMINISTRATIVE OFFICE HOURS

8:30 am to 4:30 pm, Mon–Fri 9:00 am to 3: 00 pm, Sat & Sun

TAHOE KEYS PROPERTY OWNERS ASSOCIATION

2026-2027 BOARD OF DIRECTORS

Dave Peterson, PRESIDENT

Hallie Kirkingburg

General Manager, ext. 224

Peter Grant, VICE PRESIDENT

Heather Blumenthal

Bryan Welsh, TREASURER

Operations Manager, Ext. 228

Linda Callahan

Architectural Control Dept. Manager, Ext. 239

John Cefalu

Facilities Director, Ext. 226

Code Enforcement (530) 545-0847

FOR ADVERTISING OPPORTUNITIES please contact Kathy Hess-Slocum at Just Imagine Marketing and Design at (775) 846-5656, kathy@justimaginemktg.com.

Water Company (530) 318-4268

COVER IMAGE Linda Callahan

Water Quality Ext. 275

Front Desk Attendant Ext. 221

DESIGNED BY J. Lewis Falconer Art & Design Printed on recycled paper with soy-based inks.

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Sabine Litten, SECRETARY Jesse Schue, DIRECTOR Bonnie Halleran, DIRECTOR Mark Acri, DIRECTOR


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Screening Matters: A Preventive Health Guide

Recommended Screenings

When it comes to breast cancer and overall health, early detection and routine care can make a meaningful difference. Regular screenings are an important part of staying well — not just for breast health, but across your lifespan. This guide highlights recommended screenings for women to help support prevention, early diagnosis, and longterm health. Care for All Ages

• Annual preventive visit - A yearly checkup focused on prevention. This is also a good time to review and update vaccinations. • Vision exam - Check with your eye doctor: You may need eye exams yearly. • Mental health screening - At regular visits, talk openly with your provider about stress, anxiety, or mood changes. • Diabetes screening - Your provider may recommend testing if you have symptoms or risk factors. • HIV blood test or saliva test - Everyone should be tested at least once.

by Age 20s and 30s • Blood pressure: at least once a year • Cholesterol: at least every 4–6 years • Pap test and/or HPV test: every 3–5 years, depending on the test • Breast exam: once a year, starting at age 21 40s and 50s • Blood pressure: at least once a year • Cholesterol: at least every 4–6 years • Pap test and/or HPV test: every 3–5 years, depending on the test • Colonoscopy: every 10 years, starting at age 45 • Mammogram: once a year, starting at age 40 • Bone density test: after menopause 60s and Beyond • Blood pressure: at least once a year • Cholesterol: at least every 4–6 years • Pap test and/or HPV test: every 3–5 years, depending on the test (you may be able to stop screening after age 65) • Colonoscopy: every 10 years • Mammogram: once a year • Bone density test: after menopause Pregnancy and Postpartum Screening • Gestational diabetes: after 24 weeks of pregnancy • Diabetes: within a year after pregnancy, if you had gestational diabetes Individual screenings are determined by provider and patient. Check with your insurance to find out what preventive care is covered.

Dr. Elisabeth Nigrini is a board-certified OB/GYN physician at Barton Health. The team at Barton OB/GYN offers services to patients from offices in South Lake Tahoe and Minden. Learn more by calling 530.543.5711 or 775.364.1411.

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TKPOA OCTOBER 2026 CALENDAR

+ BEYOND

O CT O BE R 2 02 6 1 6 21 21

Finance Committee Meeting ACC Meeting Board of Directors Executive Session Board of Directors Regular Meeting

10:00 a.m. 10:00 a.m. 3:00 p.m. 5:00 p.m.

NOVEM BER 20 26 3 5 18 18

ACC Meeting Finance Committee Meeting Board of Directors Executive Session Board of Directors Regular Meeting

10:00 a.m. 10:00 a.m. 3:00 p.m. 5:00 p.m.

Note: All meetings will be held at the TKPOA Pavilion, 356 Ala Wai Blvd, South Lake Tahoe unless otherwise noted. Member meeting attendance is also available via online Zoom conference call. Links and call in information for meetings are posted on the TKPOA website ahead of each meeting. Please contact the TKPOA Front Desk at (530) 542-6444 for details on member attendance via Zoom.

2026 ARCHITECTURAL CONTROL COMMITTEE

-Meeting Schedule -

ACC Meetings are held on Tuesdays January 13

February 10

March 10

April 7

May 5,19

June 2, 16, 30

July 14, 28

August 11, 25

September 8, 22

October 6

November 3

December 1

All meetings are held at the Pavilion and begin at 10:00 am unless otherwise posted. ACC application submittals are due by Wednesday prior to the meeting date. For more information, please contact Linda Callahan, ACD Manager, at (530) 542-6444, ext. 239, or lcallahan@tahoekeyspoa.org. Keys Breeze

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Schedule Your Mammogram Today in Honor of Breast Cancer Awareness Month Early detection through routine screening can make all the difference, improving treatment options and leading to better outcomes.

3-Step Plan for Early Detection 1. Breast Self-Awareness

Be familiar with your breasts, and regularly monitor for changes.

2. Schedule Your Annual Exam

Schedule with your OB/GYN or primary care provider each year.

3. Breast Cancer Screening with the 3-D Tomosynthesis

3D Tomo mammography offers an improved image for tumor detection. Recommended annually for women over the age of 40.

Discuss your preventive care schedule with your OBGYN or primary care provider.

530.543.5711

| Keys Breeze

bartonhealth.org |

OCTOBER 2026

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2026

BOARD ACTIONS SUMMARY

By Heather Blumenthal, Operations Manager

SEPTEMBER 16TH – BOARD OF DIRECTORS EXECUTIVE SESSION

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BOARD ACTIONS

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• • • •

0 Member Dispute and Disciplinary Matters 13 Legal Matters 0 Contracts 0 Personnel Matters

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SEPTEMBER 16TH – BOARD OF DIRECTORS OPEN SESSION

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BOARD ACTIONS • •

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•

Approved the Well Industries change order for additional gravel for a cost of $3,876 to be expensed from Water Delivery Systems Well #4 Reserves. Approved recoding Tahoe Regional Planning Agency (TRPA) Permit application costs for the Water Systems Improvement Phase 1 Project in the amount of $5,494 to be expensed from Water Delivery Systems Well #4 Reserves. Approved recoding Lahontan Permit application costs for the Water Systems Improvement Phase 1 Project in the amount of $581 to be expensed from Water Delivery Systems Well #4 Reserves. Approved Tahoe Outdoor Living to complete the Islanders 1 Irrigation Maintenance Project for a cost of $1,816 to be expensed from Islanders 1 Reserves. Approved Tahoe Outdoor Living to complete the Islanders 2 Irrigation Maintenance Project for a cost of $1,816 to be expensed from Islanders 2 Reserves. Approved the Haen Constructors change order for the Islanders 2 Parking Lot and Utility Project increase in asphalt price for a cost of $14,700 to be expensed from Islanders 2 Reserves. Approved Tahoe Outdoor Living to complete the Islanders 3 Irrigation Maintenance Project for a cost of $116 to be expensed from Islanders 3 Reserves.

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Approved Cody’s Tree Service for Arborist Consultation for Islanders 3 Tree Maintenance for a cost of $300 to be expensed from Islanders 3 Reserves. Approved Tahoe Outdoor Living to complete the Tahoe Marina Shores (TMS) Irrigation Maintenance Project for a cost of $495 to be expensed from TMS Reserves. Approved Hatch Electric to complete Tahoe Marina Shores (TMS) Boat dock lighting repair for a cost of $648 to be expensed from TMS Reserves. Approved Hatch Electric to replace motion sensors at the Tahoe Marina Shores (TMS) garbage enclosure for a cost of $619 to be expensed from TMS Reserves. Approved recoding the purchase of replacement solar post cap lights for Tahoe Marina Shores (TMS) for a cost of $206 to be expensed from TMS Reserves. Approved recoding the purchase of replacement router Tahoe Marina Shores (TMS) camera system for a cost of $435 to be expensed from TMS Reserves. Approved Tahoe Outdoor Living to complete the Cove 1 Irrigation Maintenance Project for a cost of $304 to be expensed from Cove 1 Reserves. Approved the Haen Constructors change order for roof membrane out of the original project scope for the Cove 3B Roof Project for a cost of $5,965 to be expensed from Cove 3B Reserves. Approved the Haen Constructors change order for repair of plumbing pipe on roof out of the original project scope for the Cove 3B Roof Project for a cost of $4,514 to be expensed from Cove 3B Reserves. Approved recoding the Cove 3C Roof Project payment to Bob Jahn’s Roofing in the amount of $135,730 to be expensed from Cove 3C Reserves. Approved Haen Constructors for Cove 3C Bulkhead railing modification for a cost of $4,985 to be expensed from Cove 3C Reserves. Approved G-Pro Construction for Cove 4 Deck and Staircase

OCTOBER 2026

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• • • • • • •

• • • • •

replacement on connected units 90 and 91 for a cost of $42,774 to be expensed from Cove 4 Reserves. Approved Haen Constructors to backfill Cove 5 bulkhead sink holes with gravel for a cost of $4,628 to be expensed from Cove 5 Reserves. Approved Alpenglow Tree Service to remove dead trees near park at Venice and Emerald for a cost of $1,400 to be expensed from Common Reserves. Approved Alpenglow Tree Service for stump grinding at Venice and Emerald for a cost of $1,000 to be expensed from Common Reserves. Approved Bala Ventures for stump grinding at a common park on Tuolumne for a cost of $4,750 to be expensed from Common Reserves. Approved Haen Constructors to haul dirt off of the Texas Lot for a cost of $816 to be expensed from Common Reserves. Approved Hatch Electric to add power to the front gate of the Texas Lot for a cost of $5,700 to be expensed from Common Reserves. Approved Hatch Electric for installation of electrical subpanel and underground conduit in the milfoil test area on the Texas Lot for a cost of $3,200 to be expensed from Common Reserves. Approved Mountain States Transport for Sand Delivery for the Pavilion Beach Landscape Rehab Project for a cost of $1,645 to be expensed from Common Reserves. Approved the purchase of planters for the Pavilion Beach Landscape Rehab Project for a cost of $5,455 to be expensed from Common Reserves. Approved purchasing replacement tires for an enforcement truck for a cost of $1,341 to be expensed from Common Reserves. Approved the purchase of common area landscape supplies for a cost of $261 to be expensed from Common Reserves. Approved the purchase of common area landscape supplies

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for a cost of $96 to be expensed from Common Reserves. Approve the purchase of common area landscape supplies for a cost of $96, second order, to be expensed from Common Reserves. Approved the purchase of common area landscape supplies for a cost of $49 to be expensed from Common Reserves. Approved Tahoe Diesel for enforcement vehicle repair costs in the amount of $3,900 to be expensed from Common Reserves. Approved Tahoe Diesel for enforcement vehicle repair costs, second payment, in the amount of $3,432 to be expensed from Common Reserves. Approved the purchase of a Concrete Saw for a cost of $469 to be expensed from Common Reserves. Approved the purchase of a hydraulic pump for the dump trailer for a cost of $683 to be expensed from Common Reserves. Authorized Noble Consultants to complete design and construction support services for the East Garmish Boat Ramp Project at a cost of $37,916 plus a 20% contingency for a total project cost of $45,499 to be expensed from Water Quality Reserves. Authorized American Pro to provide snow removal services for Cove 4 for the upcoming snow season November 1st, 2026, through May 1st, 2027, for a cost of $12,367 to be expensed from Cove 4 Operating. Authorized Lumos & Associates to complete boundary surveys and topographical/coverage base mapping service for Tahoe Marina Shores for a cost of $48,879, Cove 2A for a cost $22,675, Cove 3B for a cost of $15,188, and Islanders 1 for a cost of $8,343 to be expensed from the respective Townhome Subdivision’s Reserves. Authorized another 28-day member review period for proposed rule changes to ACC Rules Section 4 and 15.

OCTOBER 2026

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ARCHITECTURAL CONTROL (ACC) APPLICATIONS How to Apply Online Please click on the link to begin. tkpoa.connectresident.com/

1. Create an account, or sign in. 2. Select the Architectural Mods button. Complete the FirstService Resident Connect application. 3. Upload your TKPOA application for your type of improvement, site plan, pictures, scope of work, surveys, and any other important details for review by the Architectural Control Committee or the Community Design & Review team. 4. TKPOA applications are on the TKPOA website www.tkpoa.com under documents, Architectural Control, - or on the FirstService Resident Connect Portal – to the left of the Architectural Mods button. 5. Click two boxes, draw your signature or initials, and pay your review fee using your bank account ACH (no fee) or credit card ($ .99 fee). 6. Do not pay the ACC review fee on ClickPay, ClickPay is for your quarterly payments and any special assessments. You can also go to the TKPOA website and click on the blue button “FirstService Resident Connect”. Have questions? Please contact Linda Callahan at (530) 543-9542 Linda.Callahan@fsresidential.com or Greg Turle at (530) 543-9543 Greg.Turle@fsresidential.com

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PROTECTING OUR COMMUNITY: CONTINUED PROGRESS ON TKPOA’S INSURANCE PROGRAM The Tahoe Keys Property Owners Association is pleased to share positive news regarding the Association’s 2026–2027 property and casualty insurance renewal. The overall insurance program renewed with an approximate 7.6% reduction in premium compared with the prior year, while maintaining strong coverage and incorporating several important program enhancements. This year’s renewal continues the significant progress TKPOA has made since the Board selected Brown & Brown as the Association’s insurance broker in 2024. Working closely with the Board and management, Brown & Brown has focused on strengthening TKPOA’s insurance program, improving coverage and limits, implementing a more proactive risk-management strategy, and reducing the Association’s overall insurance costs. The financial results have been significant. In 2024, TKPOA achieved approximately $1.4 million in premium savings, followed by an additional $321,746 reduction in 2025. For the 2026–2027 renewal, the Association achieved another 7.6% overall premium reduction. These savings have been accomplished while TKPOA has continued to strengthen coverage and address the unique risks associated with a large community in the Lake Tahoe region.

PROPERTY RENEWAL:

An important part of this strategy has been Brown & Brown’s use of its national property and loss-control resources. Over the past three years, specialists have worked with TKPOA to evaluate property exposures, wildfire risk and loss-prevention opportunities. This has included visits by a wildland fire engineer in 2024, property and casualty loss-control specialists in 2025, and a national property specialist in 2026. TKPOA has also worked to ensure that Association property is adequately insured. Updated replacement-cost valuations increased total insured property values from approximately $199.5 million to $210.7 million this year, a 5.6% increase. Despite that increase, the primary and excess property insurance premium decreased 8.2% for the 2026–2027 renewal. Since 2024, TKPOA’s property insurance premium has declined 61.4% Just as importantly, the Association secured a substantial improvement in its wildfire protection. The wildfire deductible has been reduced from $250,000 to $100,000, significantly reducing the Association’s potential financial exposure in the event of a covered wildfire loss. The improvements extend well beyond property insurance. Since 2024, TKPOA has: • Increased General Liability limits from $6 million to $10 million; • Increased Directors & Officers and Employment Practices Liability limits from $2 million to $5 million; • Increased Crime coverage from $6.5 million to $14 million; • Increased Cyber Liability coverage from $1 million to $2 million; • Added $100 million of Equipment Breakdown coverage; • Added Pollution Liability coverage; and • Enhanced the Association’s marine program with an additional $5 million Excess Bumbershoot limit and $1 million of Sudden & Accidental Pollution coverage. The progress achieved over the past three years reflects the Board’s commitment to a proactive, long-term approach to protecting the Tahoe Keys community. Working in partnership with management and Brown & Brown, the Board has focused not only on controlling insurance costs, but also on strengthening coverage, improving limits, reducing risk and ensuring that Association assets are appropriately protected.

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INSURANCE DISCLOSURE Please review the Annual Disclosure in regards the Keys property protection insurance policies and take note of the $50,000 deductible contained therein for the property policy. This relates directly to TKPOA Townhomes and Property Owner vs. Association responsibility. First, keep in mind that our townhomes are not “condominiums”. Condominiums are a type of shared structure where owners have less responsibility for the cost of repairs to their units. Townhomes are essentially homes on individual lots and owners have more responsibility for the cost of repairs for everything inside their unit from the walls in, as described in the CC&Rs. Second, the Association obtains comprehensive property insurance, as described in the Annual Disclosure, but that insurance currently includes a $50,000 deductible. As a result, Townhome Property Owners can be responsible for the cost of repairs of up to $50,000. To cover yourself for any losses up to $50,000, we recommend you contact your insurance agent to make sure the " Loss Assessment" part of your HO6 policy has at least $50,000 of coverage.

HOW DO CLAIMS WITHIN THE TOWNHOMES WORK?

In the event of a loss within a Townhome, the CC&Rs define who, the Association or individual Townhome Owner, is responsible for the loss. There are instances where an individual owner would be responsible for the loss and would either file a claim with their individual insurance policy or would be responsible to pay for the Association's policy deductible. To protect each Townhome owner, it is important that they are aware of this potential liability and that they obtain an individual H06 policy that would provide coverage to cover the cost of damages and/or insurance deductible that would fall under their responsibility per the CC&Rs. For example - per TKPOA’s CC&Rs, an interior water leak is the responsibility of the individual Townhome unit owner. The Association's insurance policy does have coverage for this loss and would cover the cost of damages less the deductible, however, if the Association's policy was utilized in this event to file a claim, the responsible owner would be required to pay the cost of the deductible, which is currently $50,000. In most situations where the individual owner is responsible for the loss, it is more beneficial for them to utilize their individual policy as their deductible will most likely be lower than the Association's policy. However, if the Association's policy is utilized, and the owner must pay the $50,000 deductible, they could also file a claim with their H06 policy to cover the cost of that deductible for them (if they have this coverage). In the event that a loss is the responsibility of the Association per the CC&Rs, then the deductible or cost of damages below the deductible, would then be paid by the Association through the Townhome Subdivisions Operating or Reserve funds. First and foremost - the CC&Rs define responsibility and who pays for the damages, either through an insurance claim or out of pocket. If you have any questions, please contact Operations Manager Heather Blumenthal at heather.blumenthal@fsresidential.com or (530) 542-6444 ext. 228.

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By Dave Peterson September is drawing to a close, and I see fewer boats at their docks each day. The coots (mudhens) are starting to show up, which all means fall is upon us.

At some point between now and 2032 we will be going to water meters due to a state mandate, so we will be able to pinpoint the water wasters. And we will all pay a metered water rate rather than a flat fee. Bulkheads. No action was taken on Cove 3b, 4, and 5 bulkhead assessments at the August meeting, but we expect staff to bring something before the board in September or October.

Drinking Water. Underground work at the well site is nearly complete, and pipeline construction is underway. Hopefully the weather holds so we can get extensions past the TRPA October 15 shutdown.

The St. Moritz bulkhead committee’s report was distributed to St. Moritz Isle members and posted to the website. Members on Bavarian Isle (Garmish Ct.) and St. Moritz Isle (Christie Dr. and tributaries) should read through the report and begin coming up with a plan for your own section of bulkhead. Feel free to band together with your immediate neighbors to implement a project across multiple properties. TKPOA will do the same for our common area parcels interspersed on the two Isles.

As you know, our full-time state legislature is always pumping out “important” new laws. One law that kicks in January 1 prohibits HOAs statewide from watering “non-functional turf”. It doesn’t matter whether the water supply is strained or not. TKPOA staff is tasked with preparing a map of non-functional turf (grass) in our common areas, and we will need to relandscape those areas to eliminate the turf. It is probably a good idea, as it will take some strain off of our drinking water system. But the January 1 hard stop means we stop watering before we have re-landscaped, which will probably be a several years project. In the meantime, we may see some dead turf zones scattered about. But who knows, maybe staff will find that very little of our turf is non-functional, and the effect will be minimal. We’ll see.

Budgeting. The finance committee presented the draft budget at the September board meeting. They did not yet have the final insurance bid, but the budget is close. It looks like insurance cost will decrease another $100k (reduction from $1.3M to 1.2M), which is good news. Assessments are proposed to increase 3-4% for detached homes, and 1-10% for the townhomes. We had to go through several years of 20% assessment increases to get reserve funding back on track, but it looks like that is behind us. We are still only Water use in August was too high again, and we about 25% funded on reserves, but that number is pulled 3.7 million gallons from the Lukins Brothers increasing each year, and the finance committee Water Company intertie on 15th street at an feels that we are on the right track to fund our extra cost of $20k. This follows a July purchase obligations over the next 30 years. of 1.8 million gallons. The abnormally high water demand is coming from the west half of the October is upon us, which means Oktoberfest Keys (west of the Venice bridge) between 10pm at Camp Richardson and the Kokanee run up and 2am. The cost is spread among all members Taylor Creek. Football is in full swing. Morning equally. Please check your irrigation timers and chill is in the air, and the aspens are starting to look for blown heads. turn. For some of us, October means hunting season. Hiking, biking, and water activities are still In fact, we should all be dialing watering times wonderful; you just have to wear a little more. It way back this time of year, with shutdown and is also time to start thinking about winterizing: draining by the time nighttime temps start falling pulling boats, draining irrigation systems, raking below freezing. Outdoor plants go dormant or pine needles, and stowing everything you don’t die and don’t need the extra water in the cold want buried under snow. STR’s last green can months. Hopefully we won’t incur the LBWC pickup is November 20, so you have time for that wholesale purchase expense any more this year. yard cleanup. Keys Breeze

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PRESIDENT’S MESSAGE Keys Breeze

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SUBMITTING A SERVICE REQUEST To submit a Service Request for a common area or the exterior of a townhome, please log in to your Community’s Connect Resident Portal at: https://tkpoa.connectresident. com/ You may also scan the QR code with your phone. Once logged in, click on “Service Request” and select one of the following options, • • • • • • • • • • • • • • •

Common Area/Parks Cove 5 Townhomes 1-77 Cove 1 Townhomes 168-187 Indoor Pool/Outdoor Pool Cove 2 Townhomes188-207 ISL 1 Townhomes 294-302 Cove 2A Townhomes 208-236 ISL 2 Townhomes 276-293 Cove 3A Townhomes 146-167 ISL 3 Townhomes 303-335 Cove 3B Townhomes 92-110 TMS Townhomes 237-275 Cove 3C Townhomes 111-145 Cove 4 Townhomes 78-91 Townhome Oversight Committee Agenda Item Request

Please provide a detailed description of the service request and upload any relevant photos. You will receive status updates via the email address associated with your account as the request progresses. If you do not have access to the Community’s Connect Resident Portal, please submit your service request by calling 1-800-428-5588 Keys Breeze

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www.mountainviewstorage.net

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ASSESSMENT COLLECTIONS UPDATE Hello Tahoe Keys Residents! This is a friendly reminder that the 2026 fourth quarter assessment was charged on October 1st, 2026! Please make sure to submit your payment so that it is received on or before October 30th, 2026, to prevent late fees or interest charges! The next assessment payment will be charged at the beginning of the new year for the first quarter, on January 1st, 2027.

The Association does not accept assessment payments at the on-site Pavilion office. Payments that are dropped off at the Pavilion office will be mailed to the lockbox address, PO Box 30354 for processing. Members are encouraged to mail their payments directly or utilize the online payment option to avoid late fees and interest charges.

PAYMENT OPTIONS ARE:

E-STATEMENTS By default, the assessment statements will be sent as a hard copy; if you would like to sign up to receive your future assessment statements electronically, please navigate to: https://estatements.welcomelink.com/ fscalifornia to sign up.

1. ClickPay – FirstService Residential’s online payment service provider. You can access ClickPay by visiting https://login.clickpay.com/firstservice. Please note that ClickPay charges a service fee depending on form of payment. 2. Bill Pay – Your bank’s bill pay service. If using this service, please enter the following: name, address, and include your 8-digit Account Number on your bank’s website when using its bill pay service: Tahoe Keys Property Owners Association c/o FirstService Residential PO Box 30354, Tampa, FL 33630 Please note that your account number with FirstService is different from your previous TKPOA account number. Your FirstService account number is the same as the Customer ID number listed on your quarterly statements. 3. Paper Check – Mail a Check to the address above. Include your FirstService remit slip from your monthly statement and your 8-digit FirstService/TKPOA account number. Keys Breeze

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ASSESSMENT PAYMENT FAQS Q: How are assessment charges applied to my account? A: Regular quarterly assessments are due based on the following schedule each year: • First Quarter due January 1st, considered delinquent if received after January 30th. • Second Quarter due April 1st, considered delinquent if received after April 30th. • Third Quarter due July 1st, considered delinquent if received after July 30th. • Fourth Quarter due October 1st, considered delinquent if received after October 30th. Assessment charges, for regular or special assessments, are not applied to owner accounts until the respective due dates. Using the regular quarterly assessment as an example, the first quarter assessment will not be charged to an owner’s account until the January 1st due date.

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Q: When do late fees and interest charges apply? A: Late fees and interest charges for delinquent payments are charged 30 days after the assessment due date. Reference the regular quarterly assessment schedule.

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Q: What happens if I pay my assessments early? A: Early payment of assessments is not required, however, for those owners who choose to pay their assessments prior to the due date, a credit will temporarily show on your account until the assessment due date.

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Q: How should I make my check out for my assessment payments? A: Checks and online bank bill pay payments should be made out to the: Tahoe Keys Property Owners Association or TKPOA.

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of the quarterly assessment specific to the Townhome Cove Subdivision. Quarterly Assessment – this is the Common Operating and Reserve portion of the total Common quarterly assessment. Water Quality Assessment - this is the Water Quality Operating and Reserve portion of the total Common quarterly assessment. Water Company Assessment – this is the Water Company Operating and Reserve portion of the total Common quarterly assessment. Channels and Lagoons – this is the Reserve portion of the total Common assessment for the Channels and Lagoons account. These are funds that go towards dredging and bulkhead projects for the East and West Channels.

Note: To ensure your payment is applied correctly to Q: Who do I contact for questions on my account? A: For account questions, members should contact the your account, include your Tahoe Keys account number 24/7 Customer Care Center at (800) 428-5588. On-site in the check memo section for check and online bill-pay payments submitted. Please check that you are using your staff is also available at info@tahoekeyspoa.org or (530) new FirstService account number. 542-6444. Q: There are multiple charges on my account. What are they all for? A: Reference the Statement Outline below: • Townhome Assessment – for townhome owners only, this is the Operating and Reserve portion Keys Breeze

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Q: I am having issues with my ClickPay account, who do I contact for assistance? A: For assistance with ClickPay, members should contact ClickPay customer support directly at (888) 354-0135.

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N O TI CE OF C H ANG E IN ASSO CIATIO N RU LES

TEXT OF PROPOSED TAHOE KE Y S P ROP E RT Y OWNER S AS S OCIAT ION

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NOT I C E OF C H ANG E I N ASSOC I AT I O N R U L E S

CHANGES (Deletions are shown in strikethrough type and additions in boldface underlined type) At the September 16th, 2026 Board meeting, the TKPOA Board of Directors approved the following proposed changes to the Association Architectural Rules to be posted for a 28 day membership review period. These changes will be considered for adoption at the October 21st, 2026 Board of Directors Meeting. If you would like to provide any feedback to the Board prior to approval, please email your comments to Operations Manager Heather Blumenthal at heather.blumenthal@fsresidential.com, or submit them in person at the TKPOA Pavilion Office.

SECTION 4 CONST RUCT ION RE QUIRE ME N T S

No material, trash, debris may be left on the property or allowed to pollute neighboring properties and/or the waterways. 04.05a ACC rules allow for one POD storage container per residential lot or townhome unit for a maximum of seven (7) days, twice per year. PODs Storage containers must be placed within the single-family property’s driveway or assigned parking spot within the Townhome lot and may not block sidewalks or public right of way. No street or landscape placement is permitted.

No more than 2 construction sheds, trailers, and/ or storage containers may be placed at a property at one time and must be parked within the single-family property’s driveway or assigned Townhome parking spot and may not block sidewalks or right of way. No street or landscape parking is permitted. Construction sheds, trailers, and/or storage containers cannot be used for living purposes and are only allowed on-site during the period of active construction, consistent with local jurisdictional requirements. TKPOA Enforcement may view the contents of the construction sheds, trailers, and/or storage containers to verify use for active construction purposes.

Section 15 Misc. Provisions for exterior grounds, storage, and structures 15.06 left intentionally blank Garbage cans cannot be readily visible from the street at the front, side, or rear of the property. Screening options are available and can be submitted to ACC for approval.

04.05a Front, rear, and side yards may not be utilized as a construction staging area. Construction material |

To clarify Architectural Control Rules to be in conformance with current practices for architectural approvals and align with reasonable enforcement practices for the benefit of the Tahoe Keys community. The proposed rule changes provide clear permittable timelines for when construction sheds, trailers, and storage containers may be parked at a property, and guidelines for where the new South Lake Tahoe Refuse garbage bins may be stored and placed at the curb on trash day. being delivered to a site may be left secured outside of the property for no longer than 7 days.

04.05 Construction shed(s), trailer(s), and storage containers. Prior to placement of a construction shed, trailer, and/or storage container at a property, owners must submit a short-form application to the ACC to verify active construction timeframe. Active construction is considered the initial TKPOA ACC approval timeframe, as outline in ACC Rules Section 03.06. Owners may apply to ACC for a reasonable extension of not more than 1 additional year.

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Garbage cans may be placed at the curb no earlier than 6:00AM on trash day and must be put away by 6:00PM on trash day.

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IMPORTANCE OF DOG LEASH AND OTHER PET RULE REQUIREMENTS Keep Common Areas Dog Friendly! We are writing today to inform you of the importance of always keeping your dog on a leash and to pick up after your dog properly during your walks around the Keys. While it can be fun to let your dog free occasionally, it can be dangerous and uncomfortable for other members and their guests who are also out enjoying the Tahoe Keys outdoors. TKPOA’s Pavilion Beach has specifically had numerous complaints and violations for dogs being off leash, causing a great nuisance to neighbors, other members trying to enjoy the beach, and general liability concerns for the entire Tahoe Keys community. An El Dorado County Superior Court Stipulated Judgement for case number SV92-006 prohibits non-Lighthouse Shores members from bringing their dogs into Lighthouse Shores and onto the common beach area, Lot C. To prevent a similar prohibition at the Keys Pavilion Beach, TKPOA is stressing the importance of all members, their guests, and tenants, abiding by TKPOA Operating Rules and always keeping their dogs on a controlled leash when on TKPOA Common Areas, including the Pavilion Beach. TKPOA receives regular calls from concerned members regarding dogs being off leash or pet waste that was not properly disposed of. The intent of TKPOA’s leash rule is to protect the health and safety of Association members and to protect your pet. Our goal is to prevent potential accidents from occurring that could harm or upset neighbors who are enjoying their time outside as well. The use of a leash will benefit you, your neighborhood, and your pet. There are many good reasons to keep your dog on a leash: 1. It is a great good neighbor policy, preventing your dog from trespassing on the neighbor's property during your walk. It also keeps your dog from jumping on people you encounter, ensuring that your dog has the chance of being properly introduced. Keys Breeze

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2. Walking your pet on a leash will prevent the spread of disease. A leashed dog can be restrained from sniffing the droppings of other animals. 3. A leash is commonly referred to as "Your Pet's Lifeline," protecting your pet from traffic and unrestrained animals. Accidents or animal bites are greatly reduced when responsible pet owners obey the leash law. 4. It is a great identification tool, symbolizing that the dog has an owner, and enabling someone who sees the leash and identification tag attached to the dog's collar to find you if you and your pet should become separated. 5. It is a great relief to wildlife, keeping your dog from chasing squirrels, deer, and other wildlife.

TKPOA has installed pet waste disposal stations throughout the Tahoe Keys common areas to ensure easy and quick disposal for responsible pet owners to pick up after their pets. Proper pet waste disposal assists the Tahoe Keys in maintaining our beautiful park and walkway areas for the benefit of our members, their neighbors, and their guests. It is always good practice for all pet owners to clean up after their furry friends. While TKPOA’s goal is compliance with all rules and regulations, a member may be fined or have amenity privileges suspended for violation of these rules. Please keep your dog leashed, safe, and be a good neighbor and be sure to pick up after your pet while enjoying the outdoors. Please contact TKPOA’s Enforcement Department at (530) 545-0847 with any questions or concerns.

Thank you! OCTOBER 2026

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COVE ASSESSMENTS, RESERVES, AND MAJOR PROJECTS

FREQUENTLY ASKED QUESTIONS WHO IS RESPONSIBLE FOR THE DEVELOPMENT OF BUDGETS AND ASSESSMENTS?

The Finance Committee is responsible for coordinating the development of budgets and assessments, which are eventually approved by the Board in October of each year. The multi-month process is based on standard budget procedures and methodologies and includes the participation of department managers, the Townhome Oversight Committee, other committees, Cove advisors, and other interested owners.

WHY ARE HOA ASSESSMENTS AND RESERVES DISCUSSED TOGETHER?

Cove regular assessments fund both current operating costs, such as insurance, utilities, management, routine maintenance, and repairs, and contributions toward future major repair and replacement needs. California law requires the Association to prepare and disclose both an annual operating budget and reserve funding information.

DOES CALIFORNIA LAW CONTROL HOW THE BUDGET AND ASSESSMENTS ARE PREPARED?

Yes. The Davis-Stirling Act requires an annual budget Keys Breeze

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report that includes an operating budget, reserve summary, reserve funding plan, and disclosure of anticipated special assessments. The Board adopts the annual budget and reserve funding plan, subject to legal limits and any stricter requirements in the governing documents.

WHAT IS A RESERVE STUDY? DOES IT MEAN EVERY LISTED PROJECT WILL HAPPEN NOW? No. A reserve study is a long-range planning tool. It identifies major components the Association is responsible for maintaining, estimates their remaining useful life and future repair or replacement cost, and projects reserve funding needs. A reserve study does not automatically authorize a project. Before a project proceeds, the Board should consider current condition information, safety needs, expert recommendations, scope, cost, timing, and alternatives. Nothing in the information provided establishes that every listed Cove project has been approved, contracted, or scheduled for immediate construction.

DOES THE LAW REQUIRE THE ASSOCIATION TO BE FULLY FUNDED FOR EVERY FUTURE RESERVE EXPENSE? No fixed reserve-funding percentage is required by the Davis-Stirling Act. The Association must study, disclose, OCTOBER 2026

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and adopt a reserve funding plan. That plan may use regular assessments, special assessments, deferred work, or other disclosed funding methods. Individual Coves cannot borrow for Cove-specific projects. Any Association loan must be approved by the whole Association and secured by assessments across the entire Association.

membership vote, provided it follows the required budget-disclosure process. Regular assessment increases above 20% generally require approval by a majority of a quorum of members. Special assessments are different. In general, the Board may impose special assessments up to an aggregate amount of 5% of the Association’s budgeted gross expenses for that fiscal year without a membership vote. Larger special assessments generally require approval by a majority of a quorum of members, subject to limited exceptions for emergencies or court-ordered expenses as per the Civil Code.

Deferring a project may be reasonable in some circumstances, but it should be weighed against safety, risk of damage, insurance requirements, future cost escalation, and the actual condition of the asset.

WHO MAKES SPENDING DECISIONS?

WHAT SHOULD COVE OWNERS ASK ABOUT A PROPOSED PROJECT?

The Board is responsible for approving budgets, reserve funding plans, and major spending decisions. The Board may rely on guidance from the governing documents, facilities staff, managers, engineers, reserve professionals, contractors, and owner input to make their decision. Owners do not vote on each individual project. However, owner questions and input can help the Board evaluate project scope, timing, alternatives, and communication.

WHEN DO OWNERS VOTE ON ASSESSMENTS?

In general, the Board may increase regular assessments by up to 20% over the prior fiscal year without a Keys Breeze

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1. Is this a reserve-study forecast, a Board-approved project, or a contracted project? 2. What inspection, engineering, maintenance, or safety information supports the timing? 3. What is the estimated cost, useful life, and consequence of deferring the work? 4. What alternatives were considered, including repair rather than replacement? 5. How will the work be funded: regular assessments, reserves, or a special assessment? 6. When and how may owners provide input before final Board action?

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WATER-WISE IRRIGATION & WINTER PREPARATION TIPS FOR TAHOE KEYS RESIDENTS SIMPLE STEPS TO SAVE WATER, PROTECT YOUR PROPERTY, AND PREPARE FOR TAHOE'S WINTER WEATHER

As we continue to focus on responsible water use and long-term sustainability of the Tahoe Keys Water Company system, homeowners can make a significant difference by ensuring their irrigation systems are operating efficiently, and their properties are properly prepared for winter. Automatic irrigation systems are convenient, but they can also waste substantial amounts of water when timers are incorrectly programmed, sprinklers are damaged, or systems continue running after a power outage. Likewise, preparing your property before freezing temperatures arrive can help prevent costly water damage. Check Your Irrigation Timer After a Power Outage Power outages can affect irrigation controllers. Depending on the age and type of controller, a power interruption may: • Reset the clock and watering schedule. • Cause the controller to operate on an incorrect time. • Disable programmed watering schedules. • Return the controller to factory settings. • Cause watering to occur at unintended times. After every power outage, take a few minutes to check your irrigation controller. Confirm that the current date and time are correct and that your watering days, start times, and run times are still programmed as intended. It is especially important to check your system following longer outages or when your controller has a backup battery that may be depleted. Consider a Smart or Wireless Irrigation Controller If your irrigation controller is older, consider upgrading to a smart irrigation controller. Many newer systems offer wireless connectivity through Wi-Fi or other technologies and can be monitored and adjusted using a smartphone or tablet. Depending on the system, features may include: • Automatic weather-based watering adjustments • Rain and freeze detection • Soil-moisture monitoring • Flow monitoring and leak alerts • Remote control from your phone • Notifications when the system is operating unexpectedly • Automatic adjustment of watering schedules based Keys Breeze

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on local conditions Smart controllers can help prevent unnecessary watering and make it easier for homeowners to monitor their irrigation system—even when they are away from home. Tip: Look for a controller designed for water conservation that supports weather-based or soil-moisture-based irrigation adjustments. Adjust Your Irrigation for the Season More watering does not necessarily mean a healthier landscape. Evaluate each irrigation zone and adjust watering based on the season and the needs of your landscape. Lawn, trees, shrubs, flower beds, and container plants may have very different water requirements. Consider: • Shortening sprinkler run times. • Using multiple shorter cycles instead of one long cycle to reduce runoff. • Adjusting watering based on seasonal conditions. • Turning irrigation off when rain provides sufficient moisture. • Reducing watering in shaded areas. • Checking whether plants actually need additional water before starting the system. Inspect Sprinklers and Drip Systems Regularly A broken sprinkler head or leaking irrigation line can waste a surprising amount of water. Walk through your property while the irrigation system is running and look for: Broken or tilted sprinkler heads - Make sure sprinklers are watering plants—not sidewalks, driveways, streets, or other areas that do not need water. Leaking valves or pipes - Look for pooling water or unusually wet areas. Clogged or missing drip emitters - These can cause some plants to receive too much water while others receive too little. Runoff - If water is flowing into the street, gutter, or storm drain, your irrigation system may be applying water faster than the soil can absorb it.

PREPARE YOUR PROPERTY FOR WINTER

Winter in Tahoe brings freezing temperatures, snow, ice, and extended periods when properties may be unoccupied. Taking a few simple steps before winter arrives can help prevent frozen pipes, irrigation damage, and unnecessary water loss.

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Keep Your Heat On If your property will be unoccupied during the winter, do not turn the heat off. Maintaining a reasonable indoor temperature helps protect household plumbing from freezing. Make sure your heating system is functioning properly before leaving and consider arranging for someone to periodically check the property during extended absences. If you have a smart thermostat or remotely monitored heating system, use it to monitor indoor temperatures while you are away. Know Where Your Main Water Shutoff Is Every homeowner should know where the property's main water shutoff valve is located and make sure it is accessible. If you will be away for an extended period, discuss with your plumber or property manager whether shutting off the property's interior water supply is appropriate for your particular plumbing system. Important: Closing the property's private water shutoff does not replace proper winterization of the plumbing system. Dewater Your Irrigation System Before freezing temperatures arrive, winterize and dewater your irrigation system. Water left in sprinkler lines, valves, backflow assemblies, and other irrigation components can freeze and expand, potentially damaging the equipment. Depending on the type of system, winterization may include: • Turning off the irrigation controller. • Closing the irrigation supply valve. • Draining water from irrigation lines. • Blowing out irrigation lines with compressed air when appropriate. • Draining exposed irrigation equipment. • Protecting or removing components that are susceptible to freezing. • Checking irrigation backflow prevention assemblies and exposed piping. Do not use excessive air pressure when blowing out irrigation systems. Improper winterization can damage sprinkler heads, valves, and other components. If you are not familiar with the process, consider having a qualified irrigation professional winterize the system. Protect Exposed Plumbing Inspect areas of your property where water lines or plumbing may be exposed to freezing temperatures. Pay particular attention to: • Outdoor faucets and hose bibs Keys Breeze

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• Exterior plumbing • Crawl spaces • Garages • Unheated areas • Irrigation equipment • Water treatment equipment Disconnect garden hoses and store them indoors or in a protected location. Check Your Property Even When You're Away For properties that are unoccupied during the winter, consider having a trusted neighbor, property manager, or other responsible person check the property regularly. A winter property check should include looking for: ◊ Signs of frozen or leaking pipes ◊ Loss of heat ◊ Unusual water use ◊ Water around the water heater or plumbing fixtures ◊ Damage caused by snow or ice ◊ Irrigation equipment problems ◊ Any water flowing when there should be no water use A smart water-monitoring device can also help identify unusual water use or potential leaks while you are away.

EVERY DROP COUNTS—ALL YEAR LONG

Water conservation doesn't end when summer is over. Proper irrigation management, winterization, and regular property inspections can help reduce unnecessary water use and protect your home and the Tahoe Keys Water Company system. Before winter arrives, remember to: ◊ Check your irrigation timer after any power outage. ◊ Adjust irrigation schedules for seasonal conditions. ◊ Inspect sprinkler heads and irrigation lines for leaks. ◊ Turn off and properly dewater your irrigation system. ◊ Disconnect garden hoses. ◊ Protect exposed plumbing. ◊ Leave your home's heat on during winter. ◊ Know where your property's main water shutoff is located. ◊ Arrange for someone to check your property if you will be away. ◊ Consider smart irrigation and water-monitoring technology for additional peace of mind. Thank you for helping conserve our community's water resources! Small steps by each homeowner can add up to meaningful water savings throughout the Tahoe Keys. Proper winter preparation also helps protect individual properties and reduce the risk of water damage. Together, we can conserve water, protect our homes, and maintain a reliable water system for our community.

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Connecting Tahoe Keys Members to Socials, Activities, & Each Other!

Ways to Stay Updated on Community Events

Members who complete the Keys Life Small Interest Groups questionnaire will be emailed when dates are added to our calendar. Our weekly newsletters are emailed on Friday afternoons by the TKPOA staff to all members. Both of these options are great ways to hear about all of our socials, activities, & events. You can also find our socials on Instagram, Nextdoor, the TKPOA website. For members who prefer to see a hardcopy, we keep a Keys Life white binder with all our current flyers in both the Pavilion clubhouse lobby & indoor pool front desk. The TKPOA Pavilion clubhouse bulletin board (next to the front door) also has current flyers.

Let’s Fall Into Fun

As many of our summer residents head to their winter homes, our calendar will naturally slow down during the fall & winter months. No worries, some fall ideas include a photo contest, an apple-season bake-off, Halloween social, a paint-by-number social, as well as all of our regular activities. To continue to add socials to our calendar, we need one or more volunteers for each social. These members would help with choosing the day, time, & location and help ensure that each social runs smoothly. If you can help, please email KeysLife@myyahoo.com.

Member Quotes about Keys Life

“We are discovering great new places in Tahoe and meeting great new people and making new friends! Thank you for setting up all these fun activities!” ~ Gee Weckerle

Issue #12 f Oct 2026

Keys Life Small Interest Groups Complete our Questionnaire to be added to your favorite Small Interest Group(s).

TKPOA email

Contact Heather Blumenthal to be added to their email list. Heather.Blumenthal@ fsresidential.com.

Instagram Photos & Flyers

"You have been responsible for a lot of good things. Thanks for all you do." ~ Nan Appelblatt "I’ve so enjoyed our game nights and appreciate you taking the time to organize the gatherings. Your energy is infectious." ~ Judy Kim

Looking for help organizing: Activities Comedy Nights Cookie Exchanges Live Music Movie Nights Painting Socials Potluck Socials Walk & Talks Wine Tastings Your ideas!!!

Community Connections

If you would like to become a Keys Life VIP vendor, please email KeysLife@myyahoo.com to share your collaboration ideas & ways we can work together to create lasting value in our neighborhood.

Keys Life Volunteers

A huge thank you to everyone who has hosted, volunteered, and/or participated. As a reminder, Keys Life is made up of all volunteers. We are always looking for members to help bring new ideas to life. If you’re interested, please email KeysLife@myyahoo.com to help.

Nextdoor.com Calendar & Flyers

Website Calendar & Flyers


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