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SADDLEBAG LAKE OWNERS ASSOCIATION, INC.
INDEX

COVENANTS AND RESTRICTIONS
ARTICLES OF INCORPORATION
BYLAWS
REGULATIONS
REGULATION NO 1

-

ADMINISTRATION

REGULATION NO 2

-

SOCIAL SERVICES AND ACTIVITIES

REGULATION NO 3

-

SECURITY REGULATIONS

REGULATION NO 4

-

ARCHITECTURAL AND LANDSCAPING CONTROLS

REGULATION NO 5

-

COMMON AREAS AND FACILITIES

REGULATION NO 6

-

OCCUPANCY AND USAGE CONTROLS

THESE DOCUMENTS HAVE BEEN RECORDED IN THE OFFICIAL RECORDS OF POLK COUNTY, FLORIDA

SADDLEBAG LAKE OWNERS ASSOCIATION,INC.
REVISED COVENANTS AND RESTRICTIONS
MARCH 31, 1989
EACH LOT CONTAINED IN SADDLEBAG LAKE, UNIT 1, AS RECORDED IN PLAT BOOK 56, PAGE 3 THROUGH 4, PUBLIC RECORDS OF
POLK COUNTY, FLORIDA, AND EACH LOT CONTAINED IN SADDLEBAG LAKE, UNIT II, AS RECORDED IN PLAT BOOK 61, PAGE 18
THROUGH 20, PUBLIC RECORDS OF POLK COUNTY, FLORIDA, AND EACH LOT CONTAINED IN SADDLEBAG LAKE, UNIT III , AS
RECORDED IN PLAT BOOK 64, PAGE 4, PUBLIC RECORDS OF POLK COUNTY, FLORIDA Shall BE SUBJECT TO THE FOLLOWING
COVENANTS AND RESTRICTIONS:
1.
2.
3.

4.

5.

6.

7.
8.

The permanent occupancy of a residence shall include at least one person fifty-five (55) years of age or older.
Permanent occupancy, for the purpose of this Covenant and Restrictions, is defined in the Rules and Regulations.
Said lot shall be used exclusively as a recreational vehicle site.*
All recreational vehicle sites shall be reserved and restricted for recreational vehicles. For the purpose of this Covenant
and Restriction, a recreational vehicle is defined in the Rules and Regulations, as amended from time to time. Mobile
homes shall be excluded from this definition and are therefore excluded from use of the sites.
One (1) recreational vehicle shall be located and maintained on each site, except for sites classified as Duplex, Unit
II Plat Book 61, Pages 18-20. Duplex sites have two (2) sections and one (1) recreational vehicle may be located on each
section. All recreational vehicles, all permanent exterior improvements to the recreational vehicle, and permanent
improvements to the property shall be approved by the Association.
No animals, birds or fowl shall be kept or maintained on any site except for dogs, cats and pet birds, which may be
kept thereon in reasonable numbers as pets for the pleasure and use of the occupants but not for any commercial use or
purpose. All pets must be kept under control at all times, and must not become a nuisance by barking or other acts.
No hedges in excess of twenty-four (24) inches in height and no fences, walls, mailboxes, clotheslines, freestanding
radio or television antennas shall be permitted on any site. Only Association-approved improvements and
equipment will be allowed on each site.
No sign of any character shall be displayed or placed upon any site except a sign bearing the name of the owner, not to
exceed five (5) inches by twenty (20) inches. No sign shall be attached to trees in any location in Saddlebag Lake.
An easement of five (5) feet in width is reserved along each of the lot lines on each site (front, back, and sides) for the
installation and maintenance of utility services, and it is understood that such easement may be used by the Association
for such installation and maintenance. An easement of twenty (20) feet in width is reserved along the back lot line of
the following lots:

Block 51, Lots 11 and 12 of Unit 2
Block 49, Lot 1 of Unit 2
Block 48, Lots 10-13 of Unit 2
Block 45, Lots 1-4 of Unit 2
Block 44, Lots 1-9 of Unit 2
9. The Association has installed and shall maintain adequate sanitary facilities as provided by the laws of the State of
Florida. Each user of such facilities agrees to protect same and prevent loss or damage to occur thereto. No outside
toilets shall be installed or allowed on any site.
*(The words “lot” and “Site” are synonymous and are interchangeable.)

SADDLEBAG LAKE OWNERS’ ASSOCIATION, INC.
MARCH 31, 1989

REVISED COVENANTS & RESTRICTIONS
PAGE 2

10. No nuisance shall be allowed upon the property nor any use or practice which is a source of annoyance to
residents, or which interferes with the peaceful possession and proper use of the property by its residence. All parts
of the property shall be kept in a clean and sanitary condition, and no rubbish, refuse or garbage shall be allowed to
accumulate, or any fire hazard allowed to exist.
11. No commercial activity of any kind shall be conducted on any site, except as provided in the Regulations, and
those areas designated by the Association for commercial use.
12. The site owners shall not permit or suffer anything to be done or kept on their site which will increase the rate
of insurance on the common property or which will obstruct or interfere with the rights of other site owners, or
annoy them by unreasonable noises, or otherwise nor shall the site owner commit or permit any nuisance, immoral
or illegal act in or about the common property.
13. Each site owner shall be considered a member of Saddlebag lake Owner’s Association, Inc., (hereafter referred to
as the Association.) The Association owns the following common property and facilities located within Saddlebag
Lake:
the streets, fences, greenways, parks, beaches, that portion of Saddlebag Lake included in the plat of the property, the
lagoon, canals, bulkheads, bridges, culverts, water and waste treatment plants, on site and distribution systems,
street lighting system, street and other signs, recreation center, comfort stations, laundry facilities, entrance gate and
landscaping, pools, small boat docks, trading post, post office, transfer station, greenhouse, storage area and such
other common buildings and facilities as may be acquired by the Association in the future. The Association shall levy
and collect a reasonable assessment against site owners sufficient to cover each lot owners’ proportionate share of
actual cost of operating and maintaining all these said activities and for providing water, electricity and garbage
disposal services, sewage service, general maintenance, and carrying out of its managerial duties hereunder.
Likewise, the Association shall include in the assessments so made, a sum adequate to pay all real property and other
taxes on said facilities. The collection of these sums shall be provided for in an adequate manner to assure the
maintenance necessary. The assessments for expenses shall be levied in accordance with the bylaws of the
Association.
14. The Rules and Regulations are captioned “Rules and Regulations” and are set forth in the Bylaws of the
Association. The Association shall have the authority to promulgate regulations which govern the use of any lot or
common property or facility within Saddlebag Lake. No person shall use any property or facility in any manner
contrary to the regulations promulgated by the Association.
15. These Covenants and Restrictions may be amended or released provided said amendment or release is approved
by written ballot by the owners of not less than three-fourths (3/4) in number of the lots show on the abovedescribed plats.
16. These restrictions shall be considered as covenants running with the land, and shall bind the purchasers of all
sites show on the plan hereinbefore referred to their heirs, executors, administrators, successors and assigns, and if
said owners or any of them, their heirs, executors, administrators, successors or assigns shall violate or attempt to
violate any of the Covenants or Restrictions herein contained, it shall be lawful for the Association, or any person or
persons owning any sites in Saddlebag Lake to prosecute any proceeding at law or in equity against the person or
persons violating or attempting to violate any such Covenant or Restriction and either to prevent him or them from
doing so or to recover damages for such violation including costs of the suit and a reasonable attorney’s fee. Any
invalidation of any of these Covenants and Restrictions shall in no way affect any other of the provisions thereof
which shall thereafter remain in full force and effect.

SADDLEBAG LAKE OWNERS ASSOCIATION, INC.
MARCH 31, 1989

REVISED COVENANTS AND RESTRICTIONS
PAGE 3

The Amended Covenants and Restrictions of Saddlebag Lake Owner’s Association, Inc. were adopted by the Board of
Directors and the members of this corporation on Mary 31, 1989, pursuant to Section 15 of the Covenants and
Restrictions.
SADDLEBAG LAKE OWNERS ASSOCIATION, INC.

________________________________________
President David J. Wykle
ATTEST:

________________________________________
Secretary Bessie P Mishler
STATE OF FLORIDA
COUNTY OF POLK
The foregoing instrument was acknowledged before me by David J. Wykle and Bessie Mishler as President and
Secretary of SADDLEBAG LAKE OWNERS ASSOCIATION, INC., A Florida corporation, on behalf of the corporation, this 5 th
day of April, 1989.

ARTICLES OF INCORPORATION
OF
SADDLEBAG LAKE OWNERS ASSOCIATION, INC.
(AS AMENDED NOVEMBER 19, 1976)

We, the undersigned, hereby associate ourselves together for the purpose of becoming a non-profit
corporation under the laws of the State of Florida, by and under the provisions of the Statutes of the State of
Florida providing for the formation, liability, rights, privileges and immunities of a corporation not for profit.

ARTICLE I
Name of Corporation

The name of this Corporation shall be SADDLEBAG LAKE OWNERS ASSOCIATION, INC.

ARTICLE II
Purposes
The purposes for which this corporation is organized are as follows:
Saddlebag Lake Resorts, Inc. is developing certain property located in the Southeast quarter of Section 1, Township
30 South, Range 28 East, and the West one-half of the Southwest quarter of Section 6, Township 30 South, Range
29 East, all of which property is located in Polk County, Florida; and Saddlebag Lake Resorts, Inc. will convey
certain property to this corporation to be owned and maintained by this corporation for the use and benefit of the
members of this corporation as the agent of said members. This corporation shall maintain said property and
assess for the maintenance thereof and shall promote and protect the peace, quiet, happiness and standards of
living of members of this corporation and will enforce covenants and restrictions applicable to said real property for
the common benefit and will do all and everything else authorized by law to promote the general interest of the
members of the Association as are authorized by the laws of the State of Florida pertaining to non-profit
corporations.

ARTICLES OF INCORPORATION

-2-

2. Plats, leases, Declarations of Covenants and Restrictions, and/or conveyances in the abovedescribed areas of Polk County, Florida filed or deeded by Saddlebag Lake Resorts, Inc. may provide that
purchasers or lessees of lots subject to said plats or of lands covered by said conveyances, leases or
restrictions, shall be members of this corporation.
ARTICLE III
Powers
1.

To operate and manage those properties conveyed to it for the common good of members of
the Corporation.

B.

To carry out all the powers and duties vested in the corporation pursuant to these Articles and
the Bylaws of the corporation and in declarations of covenants and restrictions filed as to said
lands referred to above.

C.

To do all things necessary to carry out the operation of the corporation as a natural person
might or could do and to exercise and enjoy all the powers, rights and privileges granted to
or conferred upon corporations is similar character by the provisions of Chapter 617,
Florida Statutes.

D.

No compensation shall be paid the directors for their services as directors. Compensation may be
paid to a director in his or her capacity as an officer or employee or for their services rendered to
the corporation outside of his or her duties as a director. In this case, however, said compensation
must be approved in advance by the Board of Directors but the director to receive said
compensation shall not be permitted to vote on said compensations. The directors shall have the
right to set and pay all salaries of compensation to be paid to officers, employees of agents or
attorneys for services rendered to the corporation.

E.

All funds and title for all interests in property acquired by the corporation, whether fee simple
or leasehold in nature, and the proceeds thereof shall be held in trust for members of the
corporation.

F.

The

corporation

shall

not

be

authorized

to

make

any

unreasonable

ARTICLES OF INCORPORATION

-3-

accumulations of cash or assets as determined by the Internal Revenue Code or the rules and regulations and
acts pursuant thereto.

ARTICLE IV
Membership

Qualification of members, the manner of their admission and voting by members shall be as follows:
1. The corporation shall be organized without capital stock nor shall the corporation neither have nor shall be
distributed to its members, directors, or officers, except, however, the corporation may pay compensation in a
reasonable amount to its members, directors and officers for services rendered.

2. Saddlebag Lake Resorts, Inc. may, by filing plats, deeds of conveyance, leases and/or declarations of
restrictions require that all persons owning property in those areas described above in Polk County, Florida, in
fee simple, or by 99-year lease, or an undivided interest in the fee of property in said area, or an undivided
interest in a 99-year lease in property in said area shall be members of this corporation. Once a plat, deed of
conveyance or declaration of restrictive covenants has been filed as to a parcel of land located in said area of
Polk County, Florida, requiring that owners of said land be members of this corporation, then persons shall
become members of this corporation by the recording in the public records of Polk County, Florida, of a deed or
other instrument establishing a change of record title to a lot or parcel of property located therein whereby the
devisee, heir, grantee, lessee or assignee becomes the owners of the fee simple title to said parcel or the holder
of a 99-year lease to said site or parcel, and upon delivery to the corporation of a certified copy of such
instrument, the new owner designated by said instrument, thereby becomes a member or the corporation and
the membership of the prior owner shall at that time be terminated.

3. The interest of any member in any part of the real property or in the

ARTICLES OF INCORPORATION

--4-

funds or assets of the corporation cannot be conveyed, assigned, mortgaged, hypothecated, or transferred
in any manner except as an appurtenance to the said real property owned by them in said described
property located in Polk County, Florida.

1. Each owner of a parcel, lot or 99-year leasehold interest shall be entitled to one vote at meetings of the
membership of the corporation for said parcel, lot or 99-year leasehold interest so owned. In the event
that more than one individual or a corporation owns said parcel, said owners shall file a designation with
the Secretary of the corporation indicating which of said owners or which corporate agent will cast the vote
as to said parcel.

2.

Saddlebag Lake Resorts, Inc., or its successors or assigns shall be entitled to vote 100 percent of

the voting rights of this corporation until such time as it has sold and deeded all parcels owned by it in those areas
of Polk County described above or until April 1, 1977, whichever shall first occur, at which time its membership and
said right to vote shall cease except as to any unsold parcels or lands which it may retain at that time. Should
Saddlebag Lake Resorts, Inc. or its successors or assigns, reacquire fee simple title or 99-year leasehold to a
parcel described above, it shall again, in this instance, be entitled to the vote assigned to said parcel.

ARTICLE V

Corporate Existence

This corporation shall have perpetual existence unless sooner dissolved by law.

ARTICLE VI

Number of Directors

1. The business of this corporation shall be conducted by a Board of Directors of not less than three
or more than fifteen, the exact number of directors to be fixed by the By-Laws of the corporation


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