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Association Dues and the 2026 Fiscal Year

While winter is still very much settled in at Lakes of the North, the Association calendar continues to move forward. January is when planning, preparation, and administrative work for the coming fiscal year takes place behind the scenes.

Association dues are a core part of that process. They support the day-to-day operations and long-term responsibilities that keep Lakes of the North organized, compliant, and functioning as intended for everyone who owns here.

Why Dues Matter to Our Community

Association dues do more than cover expenses. They support the structure that allows Lakes of the North to operate as a cohesive community. From ongoing administrative work to long-range planning, dues support the systems that ensure consistency and fairness across the membership.

Dues play a direct role in maintaining the stability and continuity of the community we all share.

2026 Dues Overview

The 2026 Association dues will be due on April 1, 2026, in line with the Association’s fiscal year, which runs from April 1 through March 31.

As part of a previously scheduled dues structure approved by the membership, dues will increase by 2 percent for 2026. This increase was approved by a two-thirds majority vote of the Association, reflecting a long-term planning decision made collectively by the membership.

The 2026 dues amounts are $387.60 for a primary lot and $218.28 for a secondary lot.

Billing and Staying Connected

Billing statements for 2026 dues are expected to be mailed in February. With many members splitting time between locations during the winter months, now is a good opportunity to ensure your contact information is current.

Updates can be made by calling the AMO office at 231-585-6000 or by logging into Member Central.

Timing and What to Expect

Accounts that are not paid by April 1 are considered delinquent. If a balance remains unpaid, late fees, interest, and collection activity may begin after 30 days, as outlined in the Association’s governing documents.

For members with outstanding balances from prior years, the Association continues to actively work toward resolution using established processes. These efforts help ensure fairness and consistency across the membership.

A Required Part of Ownership

Association dues are a required part of deeded ownership at Lakes of the North. When members meet this responsibility, it allows the Association to operate effectively and prevents the financial burden from shifting to others.

Whether Lakes of the North is your year-round home, a seasonal retreat, or a place you plan to enjoy in the future, dues help support the stability of the community as a whole.

Questions or Need Assistance

We understand that circumstances change. Members who anticipate difficulty paying their dues are encouraged to contact the AMO office early. Open communication allows staff to answer questions, explain available options, and help prevent additional fees or escalation.

Looking Ahead

This post is meant to offer a helpful reminder as the Association prepares for the coming fiscal year. Association dues are an important part of keeping Lakes of the North operating smoothly for everyone who owns here.

As April approaches, we encourage members to review their accounts, plan ahead, and reach out with any questions. Thank you for being part of Lakes of the North and for helping support the place we all enjoy.


Lakes of the North Arts: Building Community Through Creativity

Lakes of the North is home to many passions, and one that continues to bring neighbors together in meaningful ways is the arts. For the past four years, Lakes of the North Arts (LONA) has played a vital role in enriching our community through music, creativity, and shared cultural experiences.

Founded in 2021, LONA was created to celebrate all forms of art and to connect residents who create, perform, and appreciate artistic expression. Since then, the committee has organized a wide range of events including outdoor concerts, indoor art fairs, art sales, children’s crafts, and special community celebrations.

One of LONA’s most popular offerings has been its Concerts on the Green behind Settings Restaurant. To date, the group has hosted 14 concerts featuring an impressive variety of performers, from Broadway singers to Petoskey High School’s Steel Drum Band. LONA has also partnered with other community groups, collaborating with the Golf Committee for the Annual Autumn Art Sale, participating in the Airport Committee’s Salute to Services ceremony, and joining in the fun of the Fourth of July parade.

Beyond events, LONA has made lasting contributions to shared spaces throughout Lakes of the North. These include gifting a piano to the Clubhouse, refurbishing the Lake Harold entrance sign, and planning a new interactive music wall for children at the Lake Harold playground, scheduled for installation this spring.

LONA began when chair Cheryl Ogonowski, a retired music teacher, moved to Lakes of the North from suburban Detroit with her husband, Gary. Looking for ways to connect beyond snowmobiling or golf, Cheryl discovered a strong interest in the arts within the community. That discovery led to the formation of the LONA committee and its first Arts Showcase in 2022, which was met with enthusiastic support.

“The whole idea was to embrace the arts, all kinds, because we have people in the community who like to create art and those who simply enjoy what others create,” Cheryl shared. That spirit continues today, with upcoming 2026 Concerts on the Green planned to feature a brass band, an acoustic guitar trio, and a versatile vocalist.

LONA is funded entirely through donations and community support. Residents can become benefactors by attending events or by bringing or mailing a donation to the Lakes of the North Office at 6273 Pineview Dr., Mancelona, MI 49659. Please be sure any mailed donations are clearly labeled as a donation to LONA. New members are always welcome, and those interested in getting involved can contact Cheryl Ogonowski at [email protected].

Through creativity, collaboration, and a shared love of the arts, LONA continues to strengthen community connections and enhance life at Lakes of the North.


The Bean Soup Theory – A Thought About Preference and Perspective

Imagine someone shares a recipe for bean soup. It is clearly labeled, meant for people who like bean soup, and it is posted with the intention of being helpful, inspiring, or simply enjoyable.

Most people will think, Yum, this is useful.
Others might think, Beans aren’t really my thing, and scroll on.

But sometimes the response becomes:

“Can I make this without beans?”
“What if I don’t like beans?”
“This doesn’t work for me.”

It is not wrong to feel that way. Tastes differ, needs differ, preferences differ. But not everything we come across is designed with us specifically in mind. That is normal, healthy, and part of life.

The Heart of the Bean Soup Theory

Not every post, policy, or idea will apply to every person.

Some things are helpful to you.
Some are helpful to someone else.
Both can coexist peacefully.

Sometimes the most empowering response is simply recognizing:

“This one isn’t meant for me.”

And continuing forward without needing it to be changed or reshaped to fit our personal taste.

Where This Applies Beyond Soup

Every day, we move through a world full of information, choices, opinions, invitations, and opportunities. Some will resonate and others will not. Instead of assuming every situation should adjust to our preferences, we can practice a healthier mindset:

• Take what serves us
• Let go of what does not
• Respect that others may value something we do not

Life becomes less tangled when not everything has to be for us in order to be valuable. We can allow variety without feeling the need to rewrite it to match our own taste.

Sometimes the most peaceful thing we can do is notice something, acknowledge that it does not suit us, and keep moving. No critique needed. No conflict required. Just space.

How This Applies to Association Life

In an association, we all share the same community, but we do not always share the same needs, lifestyles, or interests. One announcement may excite one member and mean very little to another. A new policy may feel supportive to some and unnecessary to others. An event might be exactly what one person hoped for while someone else scrolls past without a second thought.

And that is okay.

Just like bean soup, some things in our community will be meant for you and some will be meant for someone else. The beauty of association living is that it brings together many people with different priorities under one shared place to call home. We do not all have to want the same things in order to live well together. We simply need to recognize that something can have value even when we are not the person benefiting from it.

When we allow space for ideas, activities, and decisions that do not directly serve us, but serve another family or another need, we create a community that feels more spacious, more gracious, and less tense.

We do not need to love every initiative to appreciate that someone will.

This isn’t about whether we follow rules or agree with every policy. It is simply about understanding that not everything is created for each of us individually, yet still has a place and purpose.

Awareness does not divide a community. It strengthens it.


❄ The Return of Winter Sports
A Season of Snow, Tradition, and Frosty Memories

Winter has a way of slowing life down just enough to notice it again. The air gets quieter, the trees stand still and heavy with white, and the world outside becomes softer, calmer, and a little more magical. For many of us here in Lakes of the North, winter is not something we just endure. It is something we prepare for, look forward to, and welcome back with open arms. And for decades now, Winter Sports has been at the center of that feeling.

If you grew up here or raised your kids here, you probably remember it well. Guiding chubby little fingers back into gloves that always seem to go missing at least twice, boots stuck in the snowbank, and snowflakes collecting on eyelashes. Some of the best winter days were the ones spent right here, out on the ice or along the cross-country trails, with the fireplace inside offering a break from the cold. Kids trying to stay upright, parents watching with cold noses and warm drinks in hand, an ice hockey puck sliding between sticks in the background. It was simple, it was fun, and it stuck with us.

Winter Sports is more than an amenity.
It is a landmark of childhood.
It is where friendships were made, where balance was learned a little at a time, and where moments turned into memories we still talk about.

Some of us remember teaching our kids to skate there. Some remember being the kids. Some are now watching grandchildren take their first shaky glide across the same rink where we once learned to trust our feet. The nostalgia is real, it is warm, and it is what makes this place special. Winter has a rhythm here, and we notice it in our bones the moment it returns.

And now, winter settles in again. ❄

Winter Sports officially opens for the season this Saturday, December 13th
Operating Schedule:
- Saturdays & Sundays, 12/13 through 12/21
- Daily 12/26 to 01/03
- Saturdays & Sundays 01/03 – Mid Feb. Weather Dependent thereafter
- Hours: 10:00 AM to 5:00 PM
More Info HERE! 

Winter Sports weaves generations together.
It gives us stories to tell.
It brings us back to a moment in our lives when things were simple and full of possibility.

Whether this is your first winter or your forty-first, we hope you notice that same spark as the season kicks off. We invite you back, to make new memories, remake old ones, or simply watch snow drift past the chalet windows while you sip something warm.

Here is to another season of shared laughter, fresh ice, new memories in the making, and all the little joys winter brings to Lakes of the North. We will see you out there, bundled, smiling, and ready for another year of winter tradition.

Winter is here. Let the snowy traditions continue. ⛸❄💙

Please note: The outdoor skating rink is weather-dependent and may open or close as conditions change.
For liability purposes, Lakes of the North does not maintain or oversee a sledding hill at Winter Sports

The Real Purpose of Your HOA
(And a Few Things It Definitely Isn’t)

Living in Lakes of the North is a truly unique experience. We’re not a typical subdivision with a couple sidewalks and a sign out front, we’re a sprawling, amenity-rich community with lakes, trails, campgrounds, parks, seasonal activities, golf, an airport, a restaurant, and year-round recreation that people travel hours just to enjoy.

Because of that, Lakes of the North relies heavily on shared responsibility and structure. With thousands of properties, multiple departments, and amenities spread over miles, the HOA exists to make sure everything continues running safely, smoothly, and fairly.

That’s the purpose of this post: to give members a clear, honest, and even a little humorous look at what an HOA really does for a community like ours, and what it doesn’t do.

What Your HOA Is
Your HOA exists for one reason: to preserve and protect the shared investment and quality of life within the community.

It does this by:
• Maintaining the parks, lakes, trails, and common areas
• Setting community standards so the neighborhood stays clean, safe, and consistent
• Managing long-term planning, reserve funds, and major repairs
• Providing a central office where questions get answered and issues get handled
• Ensuring fairness, everyone follows the same rules, not just the people who feel like it
The goal is simple: to keep this a place you’re proud to live and a place future owners will want to live too.

What Your HOA Is Not
Now for the fun part, because sometimes it’s just as helpful to talk about what an HOA isn’t.

Your HOA is not:
• A personal concierge service
• Emergency transportation
• A mediator for every disagreement between neighbors
• A stand-in for law enforcement
• A custom-project approval service that waves through whatever someone decides to build that day
• A professional newsroom staffed with journalists (we communicate, we update, we share, but we aren’t a media outlet)

And the HOA staff? They’re real people working with budgets, bylaws, and the same Michigan weather and seasonal challenges everyone else deals with.
Ultimately, the HOA’s role is to maintain and protect the community so it remains a place we’re all proud to call home.

Disclaimer: In this blog, the terms HOA and Owners Association/POA are used interchangeably. This content is for general information and communication only and is not a legal document, contract, or policy. The simplified language is intended for clarity and common understanding.


Welcome to Winter: Settings Restaurant Gears Up for Snowmobile Season

Settings Restaurant is gearing up for a busy and exciting snowmobile season here in Lakes of the North. With fresh snow on the horizon and the trails about to come alive, our community’s favorite gathering spot is ready to welcome riders, neighbors, and families looking for great food and a warm place to land.
 
Under the leadership of our new restaurant manager, Ava Wilk, Settings has stepped into a new chapter. Ava and her team have brought fresh energy to the space—friendly service, consistent hours, creative specials, and a focus on community that’s already being felt by members and visitors. Settings is also rolling out a growing lineup of events, including live music nights, Trivia Tuesdays, and the first annual Chili Cook-Off, giving everyone even more reasons to gather, connect, and enjoy everything the restaurant has to offer. Whether you’re meeting friends for dinner, enjoying an evening out, or winding down after a day on the trails, Settings is quickly becoming a year-round destination for Lakes of the North.
 
Snowmobile Season in Northern Michigan
Winter in Northern Michigan isn’t just a season—it’s a whole lifestyle. Mancelona and the Lakes of the North area sit right in the heart of some of the state’s most beautiful and reliable snowbelt regions, making this one of the best places to ride.
 
Here are a few fun facts and tips for the season ahead:
 
• Lakes of the North offers convenient access to the region’s groomed snowmobile network, with nearby routes including Trail 4 in the Mancelona area along with the Blue Bear and Jordan Valley systems. Riders can use these popular regional trails to explore a wide stretch of Northern Michigan’s snowbelt.
• Our elevation and lake-effect snow patterns usually bring some of the earliest and most consistent riding conditions in the Lower Peninsula.
• Weekdays are the hidden gem—lighter traffic on the trails and shorter waits at Settings and fueling stations.
• Temperatures can shift fast in this region. Layering is key, and heated gloves or hand warmers can make a huge difference.
• Always check trail grooming reports and snowfall updates before heading out. A quick look at the Michigan Snowmobile Association or local grooming clubs can help you plan the perfect ride.
• For visitors unfamiliar with the area: cell service can be spotty in the backcountry stretches, so it’s smart to ride with a buddy and keep a paper map handy just in case.
• One of the best ways to enjoy the season is to plan a full day on the trails—ride the loops, explore the connecting routes, and take in the scenery—then wrap up the evening with dinner and drinks at Settings. Many members top off the perfect winter day with a relaxing dip in the Clubhouse hot tub before heading home to unwind.
 
With fresh snow, crisp air, and the smell of comfort food drifting from Settings Restaurant, this part of Northern Michigan turns into a true winter wonderland. Whether you’re a seasoned rider or just visiting for a weekend adventure, snowmobile season in Lakes of the North always brings a little magic—and Settings is ready to be part of it!


Welcome to LOTN Living – A Community Blog

We’re excited to launch LOTN Living as a simple, positive space where we can share what’s happening around Lakes of the North. No formal sections or long reports, just short updates, good news, staff and volunteer appreciation, and the everyday moments that make life up north special.

Our goal is to highlight the positive side of community life here: neighbors helping neighbors, committee efforts, seasonal reminders, and the small things that make LOTN feel like home. Updates will be added regularly, so be sure to check back for new posts.

 

Have a Story or Idea to Share?

We love hearing what’s happening around Lakes of the North! If you have an idea or a story you think would be a good fit for LOTN Living, please email it to [email protected] for consideration.

LOTN Living is created and published by Lakes of the North. We welcome ideas and story suggestions from our members, though the blog is not an open submission platform for independently written articles or advertisements and is not intended for daily happenings or routine updates.