A private club can organize access to activities you value, while a non-club property may support a different routine. Neither label establishes privacy, a lower total cost or easier resale. Compare the actual home and the arrangements needed for your intended lake use.
Evaluate the Cliffs Option
Identify the benefits you would actually use.
Activities and travel
List golf, dining, fitness, boating and other priorities, then check the current membership and reservation terms. Test the route from the home to the facilities. Not every Cliffs property is within walking distance of the amenities that matter to you.
Eligibility and charges
The Cliffs currently describes Active and Golf memberships. Confirm the property’s eligibility, application, recurring charges and any separate boating agreement. Do not use an arbitrary number of golf rounds as a universal break-even rule.
Evaluate the Non-Club Option
No private golf club does not mean no obligations.
Association and property rules
Review covenants, dues, road responsibilities, assessments and limits on planned uses or alterations. A non-club neighborhood may have significant shared facilities and maintenance obligations. A gate is a separate feature from club membership.
Lake access and purchased services
Establish the actual dock permission, marina agreement or public-launch plan. Include upkeep, insurance, loading and travel. Price any fitness, golf, dining or maintenance services you would obtain separately instead of assuming all avoided club fees become savings.
Compare Complete Ownership
Use equivalent requirements and current evidence.
Home and setting
Inspect condition, layout, shoreline, slope and privacy at each property. Non-club does not automatically mean quieter or more private, and club branding does not establish a resale premium. Use relevant sold evidence for the actual homes.
Make the choice
Compare current costs and the activities you expect to use, with assumptions stated for future expenses. David can help assemble alternatives through the community type guide.
Sources for Planning
Reviewed September 27, 2026. Check the applicable current information for your situation.
The Cliffs membership
Frequently Asked Questions
The questions buyers and sellers ask David first.
Does non-club mean there are no dues or assessments?
No. Check the property’s association and governing documents separately from private club membership.
Is club membership worthwhile only above a fixed number of golf rounds?
No universal threshold applies. Consider the actual fees, privileges and all activities you would use.