Welcome to Saddlebrook
The official site of the Saddlebrook Homeowners Association — Omaha, Nebraska.
The official site of the Saddlebrook Homeowners Association — Omaha, Nebraska.
HOA Members: Create your online account today!
The Saddlebrook Homeowners Association serves the residents of the Saddlebrook neighborhood in Omaha, Nebraska. Our HOA works to maintain property values, uphold community standards, and foster a welcoming environment for all residents. We maintain common areas, coordinate neighborhood events, and provide a voice for homeowners on issues that matter most to our community.
The HOA maintains all common green spaces, walking trails, and landscaping throughout the neighborhood.
Elected HOA board members represent homeowners, hold regular meetings, and make decisions that keep Saddlebrook a great place to live.
The HOA enforces community covenants and guidelines that protect property values and maintain the character of the neighborhood.
Saddlebrook exists within Sanitary and Improvement District No. 446 (SID 446). The SID is a separate, government-authorized entity from the HOA — it finances and maintains the public infrastructure that makes the neighborhood function.
In Nebraska, a Sanitary and Improvement District is a limited-purpose political subdivision created to finance and build public infrastructure for new developments outside city limits. When a developer builds a subdivision, the SID issues tax-exempt bonds to fund construction of streets, sewers, streetlights, and parks. Residents then repay that debt over 20–30 years through an annual SID levy added to their property tax bill.
SID 446 owns and is responsible for the neighborhood's streets, sewers, and streetlights — all funded through bond financing.
The SID levies a property tax assessment on all homeowners to repay the bonds used to build the neighborhood. This levy appears as a line item on your annual property tax bill.
SID 446 is governed by a five-member Board of Trustees made up of elected property owners from within the neighborhood. Elections are held every two years.
| Saddlebrook HOA | SID 446 | |
|---|---|---|
| Type | Private association | Government subdivision |
| Manages | Common areas, community standards, neighborhood events | Streets, sewers, streetlights, parks |
| Funding | HOA dues paid by homeowners | Property tax levy & bond financing |
| Authority | Enforces covenants & bylaws | Government authority — quasi-municipal |
| Governance | Elected HOA board | Five-member Board of Trustees, elected by neighborhood property owners |
SIDs are eventually dissolved when the city annexes the neighborhood, at which point the city absorbs remaining debt and takes over infrastructure ownership. The Saddlebrook HOA, however, is a private association established by the neighborhood's covenants and is not dependent on the SID or city boundaries — it will continue to operate and serve residents regardless of any future annexation by the City of Omaha.