Civic Association of Smallwood, New York, Inc. 

Becoming a Member FAQs

Who can become a Member?

All Smallwood homeowners are eligible for membership in the Civic Association of Smallwood (hereinafter referred to as the Association or SWCA). 

I own property in Smallwood.  Can I join the Association?

If you own vacant land, then the answer is No.  If you own a house and can produce a Deed with your name on it, then the answer is Yes.

Where can I get an application?

An application can be completed here

What documentation do I need to submit?

Proof of homeownership, such as your deed. Utility bills (e.g., NYSEG, Spectrum) are not proof of ownership (they are simply proof of residence).

Is there a fee required to submit an application?

There is no application fee, but there are fees associated with Membership.

What are those fees?

There are annual Membership Dues and, for all new member homes, there is a one time non-refundable Membership Initiation Fee.  This fee is earmarked for a dedicated fund, the Lake Capital Improvement Fund

What is the Lake Capital Improvement Fund for?

The sole purpose of this fund is to ensure the ongoing environmental sustainability and health of Mountain Lake, its shoreline, beach, and dam. This fund enables the Association to set aside money for the repair and maintenance of the dam, beach and other facilities and infrastructure associated with the Association’s use of the lake. 

How much is the Membership Initiation Fee?

The Membership Initiation Fee is presently $750. 

Would I only have to pay a Membership Initiation Fee once?

As long as you pay your Membership Dues annually, then, Yes, that is correct.  However, should you fail to remit your Membership Dues on or before the 30th of June of the Membership Year (i.e., the last day of the Membership Year; Membership Years are from July 1st until the following June 30th) then your Membership shall have lapsed and you would need to reapply for membership as a new member and would be subject to the Membership Initiation Fee.

If, for any reason, my membership in the Association ends will my Membership Initiation Fee be returned?

No.  The Membership Initiation Fee is non-refundable.

What are the annual Membership Dues?

For 2022, Membership Dues are $350.

If, for any reason, my membership in the Association ends before the end of a particular membership year (July 1 to the following June 30) will my dues be prorated and refunded?


I have my home in Smallwood and I also own a second home in Smallwood. Would my membership include that second home?

No.  Each home requires a separate membership, should a category for that second home exist (and each home is subject to the Member Initiation Fee). 

When would I need to pay the Membership Initiation Fee and my Dues?

After submitting your application and proof of homeownership you may 

a). send a personal check via the USPS to Smallwood Civic Association, P.O. Box 151, Smallwood, NY, 12778, or

        b). pay electronically via the website.

The application asks that I put in a Primary Member and a Secondary Member.   Why?

The holder of the Deed for the house is the Primary Member.  The reason for a Secondary Member is because each Member Household with a Secondary Member, as per the SWCA Constitution, is entitled to two votes.  A Secondary Member must be eighteen (18) years of age or older. Voting within the SWCA is limited to Primary and Secondary Members.  Also, you will be issued two membership cards.

My spouse and I are both named on the deed as owners.  Who should be the Primary member?

That decision is totally up to the two of you.

May I list anyone I want as the Secondary Member?

A Secondary Member must be a spouse, a lineal family member (i.e., grandparent, parent, child, grandchild, sibling), or the “significant other” or “partner” of the Primary Member.  A Secondary Member must also be eighteen (18) years of age or older. 

I don’t have anyone who fits the criteria to be my Secondary Member.  How does that affect my membership?

If there is only a Primary Member listed for your household you will only be issued one Membership Card (Primary, but no Secondary) and, as per the SWCA Constitution, you have only one vote in SWCA affairs.  However, a household without a Secondary Member is entitled to five (5) Guest Cards.

What is required of me as a Member?

In order to become a Member or to renew your membership you are required, as part of both of those processes, to acknowledge that you have read certain documents pertaining to membership and that you agree to the terms and provisions set forth in each of them.  These documents are:                        

a)    SWCA Member Code of Conduct

b)   SWCA Membership Benefits

c)    SWCA Beach Rules

d)   SWCA Dock and Dock Use Rules

e)   SWCA Watercraft, Fishing and Watercraft Registration Sticker Rules

We have two children. Do they get membership cards?

If your household has listed both a Primary and Secondary Member then you will receive two Membership cards (Primary and Secondary) and are further entitled to four (4) Guest Cards linked by number to your Membership Household.  Your children will use the Guest Cards. A Guest Card is valid for people of any age, however, Guest Cards are to be used by household Members and household guests and they may not be used by any renter of the Member home(s).  All children three (3) years of age or younger, are not required to have a Guest Card when at any SWCA facility or SWCA event or activity, however, they MUST be signed in and accompanied by a parent or an adult, at least eighteen (18) years of age or older.

What does a Guest Card entitle a person to?

Guests are entitled to use Civic Association facilities and may attend events and activities sponsored by the Association in the following manner:

a)    Guests may use the beach, but they must be signed into the beach by a Member whose membership identification number is linked to the Guest Cards.  The Member may also present a Guest Pass Punch Card (discussed in a subsequent question) to secure their entrance.

b)    Guests may use the lake, boat launch, and the facilities at the Lodge Park Complex without the Member host present.

c)    Guests may attend SWCA events and activities (e.g., yoga class, pot-luck dinner, children’s carnival) but must be                          accompanied by the Member and present the Guest Card or a Guest Pass Punch Card in order to participate.

Remember, guests must have their Guest Card on their person while on Association property and produce it when asked.

Is there anything my guests are not entitled to?

Guests may not attend meetings of the General Membership without written permission from the SWCA Board of Directors.

If my sister and her partner visit we will have more people than passes.  Can I borrow some Guest Cards from my neighbor for them to use?

No, you may not “borrow” Guest Cards from other Members and you may not use your Primary or Secondary Membership Cards as a Guest Card.

Doing so would violate the SWCA Code of Conduct and subject you to disciplinary action.

Does that mean we can’t all go to the beach together?

Not at all.  Should you have more guests than the number of Guest Cards issued to you, you may purchase a Guest Pass Punch Card to accommodate your additional guests.  You will present the Guest Pass Punch Card to the gatekeeper and for each additional guest they will punch out one hole.

Guest Pass Punch Cards are available with either five (5) punches per card or ten (10) punches per card and are valid for the entire Membership Year.

OR, if your know that you will have a guest for a specific set of time, you can purchase a Weekly Guest Pass which is the equivalent of an additional Guest Card, but is only valid for a specific set of seven consecutive days.

How much does a  Guest Pass Punch Card cost?

Guest Pass Punch Cards (1 punch, per person, per day) will be available for the 2022 Membership Year as follows: A five (5) punch card is $25 and a ten (10) punch card is $50.

How much does a Weekly Guest Pass cost?

For the 2022 Membership Year a Weekly Guest Pass is available for $25 for a week (again, as defined by your specific set of seven consecutive days).