A $12 Title Search Exposed the HOA Gate Gloriana Thought She Owned-Ginny

Tuesday morning, my coffee was still hot when I stepped onto the back side of my lot and saw the fence I had built with my own hands sitting seven feet inside my property line.

The cedar looked wrong before my mind understood why.

Fence lines become part of how you read your own home after enough years.

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You stop seeing them as objects and start seeing them as promises.

Mine had been moved.

Fresh dirt sat in rough pale scars where the old posts had been pulled. The air smelled like torn cedar, damp soil, and the metallic bite of early morning.

A laminated notice was stapled to one of the new posts.

Property line adjusted for community aesthetic standards.

I stood there with the mug in my hand, coffee cooling while my jaw locked so hard my teeth hurt.

Then the white Lexus rolled up.

Gloriana Fitch stepped out in a cream blazer with her chin lifted and her expression arranged into the kind of smile people use when they expect obedience to be mistaken for gratitude.

“Mr. Harlo,” she said, “I think you’ll find it looks much cleaner now.”

My name is Decker Harlo, and I had lived on Creassote Ridge Road in Mineral Springs, Colorado, for 11 years by then.

I was not new to that land.

I had bought the corner lot after a decade of contract welding work that took me through oil fields in Wyoming, pipeline corridors in Texas, and frozen truck stops where the coffee tasted like burnt pennies.

When I came home to Colorado, I wanted dirt that was mine and a workshop where I could hear my own tools instead of someone else’s deadline.

The house was not fancy.

It had good bones, a sloping backyard, mature cottonwood trees, and a detached workshop where I still did custom metal fabrication on the side.

Over five years, I rewired the garage, rebuilt the back deck, repaired the drainage behind the workshop, and put up a cedar privacy fence along the full eastern property line.

That fence took three weekends, 42 posts, and about $800 in materials.

I knew exactly where it belonged because I had the property surveyed the summer before I built it.

The orange survey pins were in the ground.

I had seen them.

I had measured from them.

I had built the fence 18 inches inside the line as a courtesy.

Courtesy, I would learn, is dangerous when the wrong person decides it is a confession.

The Mineral Springs Heritage Homeowners Association had always been a low-grade nuisance.

They sent letters about trash bins, driveway angles, acceptable mailbox hardware, and whether a pickup with a welding rig in the bed looked too commercial for the neighborhood.

Gloriana Fitch had been its president for years.

She was a retired real estate broker in her mid-60s, a woman who treated the HOA chairmanship like a crown she had waited her whole life to wear.

She knew every clause of the CC&Rs the way some people know scripture.

Selectively.

Always in her favor.

She had never liked me, and I had never wasted much energy pretending not to know it.

I worked with my hands.

I drove a truck.

My workshop sometimes made the sound of an angle grinder at 9 in the morning on a Saturday.

I did not attend the wine and cheese HOA mixers, and in my second year I had formally disputed one of her fines on procedural grounds and won.

Gloriana remembered losses the way some people remember birthdays.

So when her four-page letter arrived claiming my fence encroached on an HOA buffer easement and had to be moved inward by no fewer than seven feet, I was irritated but not shocked.

What shocked me was that she did not wait.

She simply moved the fence.

When she drove away that morning, I did not shout after her.

I did not threaten her.

I went into my workshop, set my coffee beside the drill press, and pulled out my original survey report.

The paper had the smell of a drawer that had held machine oil, sawdust, and old receipts for too many years.

I spread it across the workbench and laid Gloriana’s notice beside it.

The HOA kept referencing a buffer easement along the eastern property boundary.

According to their letter, the easement gave them the right to maintain and access a strip of land along my fence.

According to my survey, my fence stood exactly where it should.

But surveys do not always tell the whole story.

Easements are real legal instruments.

They can be recorded against a parcel and sit there quietly for decades.

So the next thing I did was drive to the El Paso County Clerk and Recorder’s office.

I paid $12 for a full title search on my parcel.

Twelve dollars.

That number matters because the whole thing began to unravel for less than the price of lunch.

For $12, I got every recorded document attached to my property going back to 1987.

Deed of trust.

Utility easements.

Drainage covenant.

One HOA recorded easement filed in 2003.

That easement covered a six-foot aesthetic maintenance buffer along the eastern border of lots 12 through 17 on Creassote Ridge Road.

I am lot 19.

I sat in my truck outside the clerk’s office and read the page again.

Then I read it a third time.

The easement Gloriana had cited did not apply to my property.

It had never applied to my property.

The HOA had used a document from one section of the neighborhood and stretched it two parcels past where it legally ended.

A reasonable person might have sent a polite letter and attached the proof.

I considered that.

I genuinely did.

But I had already tried polite documentation with this board before.

Two years earlier, a simple fine dispute took four months, two board meetings, and a threat to file a complaint with the Colorado Division of Real Estate before they admitted they were wrong.

They never apologized.

They just stopped replying.

This time, I wanted a record before I showed them how wrong they were.

I sent a certified letter requesting a formal hearing before the full HOA board.

Certified mail mattered.

It created a timestamped legal record showing when they received my objection and who signed for it.

Gloriana signed on a Wednesday morning.

By Friday afternoon, the HOA responded.

The hearing was scheduled for three weeks out.

But the same letter included a phrase that changed the temperature of the room when I read it.

The HOA, it said, retained the right to begin preliminary corrective work.

I was standing in my workshop under fluorescent light, with sawdust under my boots and a cooling cup of coffee on the bench.

Preliminary corrective work meant she did not intend to wait for the hearing.

It meant she would move first and let process chase her afterward.

That is how petty power survives.

Not by being lawful.

By moving faster than people can object.

I called Whitfield Oaks, Wit to everyone on the street, who lived nearby and had been on Creassote Ridge for 15 years.

Wit was a retired civil engineer with a patient eye and a low tolerance for sloppy lines.

He brought over his transit level.

We walked the fence together.

We measured from the pins.

We photographed the boundary.

We staked the survey markers with fresh orange flags.

Then we waited.

Three days later, at 7 in the morning, an unmarked white pickup pulled up in front of my house.

Two men got out with a reciprocating saw and a post puller.

They had already pulled 11 fence posts by the time I walked out my front door.

I carried my title abstract, a printed copy of the Colorado Revised Statute section on easement validity, and my phone recording video.

“Morning,” I said. “I’m going to need you to stop.”

The foreman was a heavyset man in a Carhartt jacket who looked tired before the day had properly started.

He saw the phone.

He saw the documents.

He saw the orange flags.

He stopped.

Contractors do not like liability either.

Across the street, curtains shifted.

Berta Quill, a retired schoolteacher who had lived three lots down for 19 years, stood on her porch with a coffee cup held in both hands.

Wit stayed near the cottonwoods, arms folded.

A man walking his dog stopped at the corner and pretended the leash needed checking.

The saw went quiet.

The post puller leaned against the torn fence line.

One worker stared at the street.

Another looked down at the dirt as if the property line itself might rescue him.

Nobody moved.

The foreman made a phone call.

Twelve minutes later, Gloriana’s white Lexus turned onto the street.

She parked at the curb and stepped out like the entire neighborhood had been waiting for her entrance.

“Mr. Harlo,” she said, walking across my lawn, “this crew has authorization from the HOA board. You are obstructing an authorized maintenance action.”

I kept my phone steady.

“Gloriana, the easement you cited does not cover lot 19. I have the county title abstract right here. Would you like to see it?”

She did not look at the paper.

She looked at my phone.

“You’re recording me.”

“We both are,” I said.

The foreman took a step back.

For the next four minutes, Gloriana explained that the HOA’s internal legal records superseded county filings.

She called my fence an eyesore.

She said I was being difficult.

She said she had the full support of the board.

I said very little.

Every word she spoke went into the record.

Eventually, she told the crew to pause and drove away.

That same morning, I filed a complaint with the Mineral Springs Code Enforcement Office documenting the unauthorized fence removal.

Then I filed a second complaint with the Colorado HOA Information Office.

I attached the video, the title abstract, the enforcement letter, and the relevant statute number.

I also called the contractor.

I told him I was not coming after him personally, but I might need a written statement about who authorized the work and what instructions he had received.

He was quiet for a moment.

Then he said, “Yeah. I can do that.”

That was the first real shift.

Over the next week, neighbors began approaching me quietly.

Berta told me Gloriana had been going door to door, calling the fence dispute a property rights standoff manufactured by a hostile resident.

Then my front rose bushes were cut to the ground.

Clean cuts.

Someone with shears knew what they were doing.

I could not prove who did it, so I did what I had started doing with everything else.

I photographed it.

I timestamped it.

I wrote it down.

I kept it in a folder I labeled The Record.

The hearing was still 11 days away when I began reading all 47 pages of the HOA’s CC&Rs with a highlighter and a legal pad.

It was not a fun weekend.

The document was dense, cross-referenced, and written by someone who apparently believed every sentence deserved at least one semicolon.

But on page 31, buried in Article 9, Section 4C, I found the sentence that changed everything.

The association’s designated primary entrance and exit corridor, including associated signage, gate infrastructure, and landscape improvements, had to be situated on parcels owned in fee simple by the association or upon easements formally recorded in the El Paso County Public Record.

The grand brick-and-iron entrance on Creassote Ridge Road had to be on land the HOA owned or land where the HOA had a valid recorded easement.

I already knew how to check easements.

I went back to the county clerk.

The HOA owned three parcels of common area land.

The main entrance did not sit on any of them.

It sat on a narrow strip designated parcel 7 Delta.

In 1998, the original developer, Ridge Summit Development LLC, had granted the HOA a perpetual access easement for community identification signage.

But the underlying dirt was not owned by the HOA.

The fee simple interest had passed with an adjacent corner lot.

That lot had been purchased in 2018 by a Denver man named Terrence Grath, who used it as a rental property.

Terrence had no idea the HOA’s main entrance infrastructure sat on land he actually owned.

Then I found the termination clause.

The easement could be revoked by the underlying landowner if the HOA failed to maintain the entrance infrastructure in compliance with county codes or if the HOA was found to have materially breached its own CC&Rs in the administration of member properties.

I sat in my truck outside the clerk’s office for two full minutes, staring at that sentence.

Gloriana had sent a contractor to remove my fence before the hearing I had formally requested.

She had cited an easement that did not apply to my lot.

She had claimed internal HOA records outranked county filings.

If that did not amount to a material breach, it was close enough to bring an attorney into the room.

The hearing happened on a Tuesday evening in the community clubhouse, a beige stucco building with fluorescent lighting and folding chairs that smelled faintly of potluck dinners.

Five board members sat at the front table.

Gloriana sat in the center.

About 30 residents attended.

More than I expected.

Berta was there.

Wit was there.

Three other neighbors I had spoken to sat near the back.

I presented the title abstract, survey documentation, the county easement record showing the covered lot numbers, the video from the morning the contractor arrived, and the contractor’s written statement.

I kept my voice level for 22 minutes.

No drama.

No shouting.

Gloriana answered with an internal HOA map.

Not a county recorded document.

A map.

She also cited a 2011 board resolution that supposedly clarified the easement boundaries.

I asked for the county recording number.

She said internal resolutions did not require county recording.

Then I asked the board whether they had any county recorded documentation establishing the easement on lot 19.

The room went quiet long enough for the silence to become its own answer.

No.

The board voted 3 to 2 to table enforcement pending further review.

It was not a full victory, but the immediate threat stopped.

After the meeting, a woman named Sandre Vale pulled me aside.

She owned a townhouse near the main entrance and looked nervous enough to check both directions before speaking.

“You should know,” she said, “Gloriana has been telling people she’s going to come after your workshop next.”

That night I read the commercial use provisions in the CC&Rs.

My workshop was fine.

Cleanly fine.

But while reading, I noticed a footnote referencing a 2019 amendment passed by the board without a member vote.

That mattered because amendments to these CC&Rs required a two-thirds vote of all members.

Not just the board.

One of the rules Gloriana had enforced for six years might have been invalid from the beginning.

I hired Claudia Fen, a real estate attorney in Colorado Springs who specialized in HOA and property rights disputes.

She was not theatrical.

She was methodical.

I gave her the fence dispute, the invalid easement, the 2019 amendment issue, and the parcel 7 Delta documents.

She reviewed everything over a weekend.

On Monday morning, she told me I had enough to challenge the amendment’s validity and demand restoration of the fence.

I also contacted Terrence Grath.

I found his number through a property management listing and explained that he owned the underlying fee interest in land being used for the HOA’s main entrance.

I sent him the documents.

He called me back that evening.

Terrence was a mechanical engineer, precise and careful.

He did not get emotional.

He asked clarifying questions.

Then he said he would have his attorney review it.

Before hanging up, he called it a significant title issue.

That phrase sounded like an engine turning over.

Over the next six weeks, Claudia filed an expanded complaint with the Colorado HOA Information Office.

We requested HOA records under Colorado’s inspection statute.

The board’s attorney, Gerald Watt, sent a letter claiming my complaints could constitute bad faith harassment.

Claudia answered with four paragraphs and three statutes.

The meeting minutes arrived on the 14th business day.

They showed the 2019 amendment had been passed at a special board meeting.

There was no certified mail notice to each member.

No newspaper notice.

Both were required by the CC&Rs.

Worse, the vote tally listed seven board members in favor.

The Mineral Springs Heritage board had five seats.

Claudia read the minutes and said, “This is not a technical irregularity. This is a falsified record.”

That was when the fight stopped feeling like a fence dispute at all.

This was a board that had manufactured authority and then used it against residents for six years.

I began speaking with neighbors one at a time.

No group chat.

No public petition at first.

I explained what the invalid 2019 amendment might mean for their fines, architectural denials, special assessments, and landscape notices.

Berta had been fined four times under rules that might not exist.

Whitfield had been denied an outbuilding permit under an architectural standard that might have no basis.

Sandre had paid a special assessment in 2021 that had been authorized by the board alone.

Eventually, 11 households signed written statements.

Then 14.

Their combined fines and assessments came to more than $4,700.

At the same time, Wit and I documented the physical reality of the main entrance on parcel 7 Delta.

We measured the brick pillars.

We photographed the gate mechanism.

We marked the sign footings and paver apron.

Almost all of it sat on Terrence’s land.

The pillars.

The sign.

The gate mechanism.

The legal architecture was sitting there in broad daylight, waiting for someone to read it.

Gloriana realized something was happening.

After that, the pressure campaign intensified.

A zoning complaint was filed against my workshop.

A zoning officer named Deo inspected it for 40 minutes and told me everything was in order.

Claude Fenner and Patrice Wall, two neighbors connected to our effort, received landscape violation letters even though both yards were immaculate.

Berta called me that evening.

“She’s going after everyone she thinks is connected to you,” she said.

She was trying to isolate me.

That is another thing petty power depends on.

Not force.

Distance.

Make people feel alone, and most of them will choose peace over truth.

But Terrence’s attorney had finished reviewing parcel 7 Delta.

Terrence was willing to invoke the termination clause if Claudia established material breach.

Given the fence video, the misapplied easement, the contractor’s statement, and the falsified amendment minutes, that would not be hard.

The right moment came at the annual community meeting in October.

Under the CC&Rs, a petition signed by 20 percent of member households could force a binding agenda item onto the annual meeting.

We had more than that.

Claudia prepared a petition with three demands.

A member vote on the validity of the 2019 amendment.

A full financial accounting of fines and special assessments collected under board-only resolutions since 2019.

An independent auditor approved by the membership, not the board.

Three weeks before the annual meeting, the petition was delivered by certified mail to Gloriana’s HOA post office box and by messenger to Gerald Watt’s office.

Gloriana went to Berta’s porch the next day.

She mentioned Berta’s pending deck permit.

She mentioned Berta’s daughter’s fence might warrant measurement.

Berta told me afterward in a voice that had steel under it.

“Decker,” she said, “I’ve lived here 19 years. I am not going to let that woman stand on my porch and tell me what I’m allowed to do with my deck.”

I also contacted a journalist named Reyes at the Colorado Springs Gazette.

I did not pitch her a story.

I gave her the public case number for the HOA filing.

She called me back within 48 hours and asked if she could attend the annual meeting.

The meeting began at 6:30 p.m. on a Thursday in October.

By 6:15, the folding chairs were full.

About 42 of the 60 member households were represented.

Reyes sat in the back row with a notepad.

Gloriana called the meeting to order with Gerald Watt beside her.

She tried to move through reports slowly.

Financials.

Grounds.

Maintenance.

Committee updates.

She was trying to run out the clock before new business.

When she finally acknowledged the petition, she said the board would allow discussion in the interest of community harmony.

I stood up with a folder in my hand.

I walked through the fence, the easement that did not cover lot 19, the contractor sent before the hearing, the video, the 2019 amendment vote with seven names for five board seats, and the records inspection findings.

Twelve minutes.

No theater.

The room held the stillness of people hearing something they had suspected but never seen documented.

Then Claudia stood and identified herself.

She summarized the state complaint.

Gerald Watt started to interrupt.

Claudia cited two statutes and stopped him mid-sentence.

Berta spoke.

Claude Fenner spoke.

Patrice Wall spoke.

Three other residents I had not even recruited stood up and described fines, denials, and threats I had never heard about.

Gloriana tried twice to redirect the room to procedure.

Both times, members called the point of order back.

The vote on the 2019 amendment passed 31 to 7 against the board.

In the middle of the vote count, my phone buzzed.

It was Terrence.

Serving the notice now.

His attorney sent the formal easement termination notice to the HOA’s registered agent by certified mail and email at 7 p.m.

The 30-day clock had begun.

After the vote tally was announced, I stood again.

I told the membership there was a related property matter requiring the association’s attention.

I explained parcel 7 Delta in about 90 seconds.

I explained who owned the underlying fee interest.

I explained the termination clause.

Then I placed a copy of the notice on the table in front of Gloriana.

The room went completely silent.

Gloriana looked at the document.

Then she looked at me.

For the first time in 11 years, I saw her face lose the expression she wore like armor.

Gerald Watt leaned over, read the first page, and closed his eyes briefly.

Reyes wrote very fast.

Nobody needed a speech after that.

The moment was the moment.

A board that had moved my fence by force, manufactured votes, intimidated neighbors, and governed through rules it had invented was sitting in a beige stucco clubhouse looking at a document that meant its front door had 30 days to find somewhere new to live.

The meeting adjourned shortly after.

Gloriana left without speaking to anyone.

In the parking lot, dry cottonwood leaves came down in the cold October air and cracked under everyone’s boots.

The next 30 days were mostly procedural.

Gloriana Fitch resigned from the board 12 days after the annual meeting, citing personal health considerations.

Three other board members resigned within the following week.

The remaining members cooperated with the transition.

A new interim board was elected at a special member meeting.

Berta agreed to serve temporarily as chair.

Her exact words were, “Fine, but I’m not doing the potlucks.”

Claudia negotiated a settlement with the HOA’s liability insurer for the 14 households that had paid fines and assessments under the invalid amendment.

The total recovery was just under $6,000.

It was not life-changing money.

But it was money taken without legitimate authority, and getting it back mattered.

My fence was rebuilt.

The HOA paid for it.

A surveyor staked the line.

The cedar posts went back where they belonged.

Wit came over and helped, and we worked in the cold November air with the clean smell of new lumber and the solid ring of the post driver.

The sound felt like a correction.

As for parcel 7 Delta, the HOA and Terrence Grath negotiated a new easement agreement.

The entrance did not have to be demolished.

That had never been the point.

The point was that the association had to deal with Terrence as a legitimate property owner with legal rights, proper paperwork, and fair compensation.

They could no longer occupy someone else’s land because nobody had bothered to check.

The Colorado HOA Information Office eventually closed its case with a formal finding that the association had violated state requirements in multiple respects, including the unauthorized enforcement action and the falsified amendment process.

The finding became part of the public record.

Gerald Watt stopped representing the association shortly afterward.

A year later, at the first legitimate annual meeting of the reformed board, the membership voted to establish a community scholarship fund.

Some seed money came from recovered reserve funds connected to invalid assessments.

Terrence contributed voluntarily from the new easement payment.

The Creassote Ridge Community Scholarship would support a graduating senior from Mineral Springs High School pursuing a vocational or technical certification.

Welding.

Electrical.

HVAC.

Automotive.

Trades that build things that last.

Berta nominated me to help chair the selection committee.

I accepted.

People sometimes ask whether I shut down the HOA’s main entrance out of revenge.

That is not how I think of it.

I think of it as reading.

I read my survey.

I read my title abstract.

I read the CC&Rs.

I read the easement Gloriana had never expected anyone to read.

Twelve dollars at the county clerk’s office started undoing 20 years of power because that power had always depended on the same assumption.

That nobody would look.

Tuesday morning, my coffee was still hot enough to burn my palm through the mug when I found my fence seven feet inside my land, and for a moment it felt like the simplest kind of theft.

It became something larger.

It became a record.

And records, if you know where to find them and where to file them, are powerful instruments.

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