The House Price and the Club Price Are Two Different Deals in Loch Lloyd

You close on a Loch Lloyd home. The movers unload the last box, the gate code works, and the fairway view from the back patio looks exactly like the listing photos. What you may not have is a tee time. Golf access at Loch Lloyd Country Club runs through a separate membership process, and if you want the golf tier specifically, you may land on a waitlist. The club's own membership terms spell out what happens if you get an offer to join and turn it down twice: decline a second offer and later want back in, and you start over with a new, non-refundable deposit, currently listed as $10,000 on the club's site.

That surprises people, because everywhere else in the Kansas City area, buying the house and buying the lifestyle are the same transaction. In Loch Lloyd they are not. The homeowners association and the country club are separate legal entities with separate bills. The HOA covers the gated entry, security, and the common grounds. The club covers golf, dining, the pool, and tennis, and one industry estimate for a full golf membership puts the initiation fee around $100,000 with monthly dues near $1,000, figures the site itself flags as estimates rather than published rates. Whatever the exact number turns out to be for a given buyer, the structural point holds: the home price does not carry the membership with it.

Three Layers of Governance, Not One

The membership split is the visible part of a larger pattern. Loch Lloyd is not one homeowners association making decisions about one neighborhood. It is an incorporated Missouri village, governed by its own elected Board of Trustees, sitting on top of three separate homeowners associations that do not all answer to the same people.

Add the small Tara Home Owner Association, nine homes on 80 acres just outside the main gate, and you have four bodies with a say in how the community changes, plus a country club that answers to none of them. The Village of Loch Lloyd incorporated in Cass County in September 2003, specifically so residents could set their own zoning and building rules rather than fall under Belton or Kansas City. That independence cuts both ways. It protects the community's character, and it means development decisions get made through public hearings and trustee votes that a buyer can actually watch play out, which is exactly what happened with the old Sechrest golf course.

The Golf Course That Became a Subdivision

Loch Lloyd's original nine-hole course, designed by Donald Sechrest, sat idle after closing during the pandemic. Bunkers grew over, irrigation went unmaintained, and the 80-acre tract became an open question for the community: restore it as golf, leave it as passive open space, or build on it.

Developer Brian Illig proposed the third option, seeking to rezone portions of the Sechrest tract from Recreational and Open Space to single-family residential. The number of proposed homes moved as the process went on, from more than 100 down to 48, and the Village's Planning and Zoning Commission staff report from February 2025 confirms the final application requested 45 single-family lots. The Commission voted to recommend denial. Under Missouri statute, a negative recommendation combined with a resident protest petition meeting a 30 percent threshold raises the bar to a two-thirds majority vote of the trustees.

That fight became personal fast. The Board of Trustees held a public hearing on the rezoning in January 2025, and by April, three incumbent trustees were fighting to keep their seats against three Planning and Zoning Commission members, with the Sechrest vote as the central issue. Martin City Telegraph's coverage of that election captured trustees defending opposite votes on the same rezoning. Board chairman Randy Schultz voted in favor, pointing to community benefits the developer had agreed to provide.

"There is enough community benefit as opposed to doing nothing," he said.

Planning and Zoning chairman Chuck Etherington, who has lived in the Sechrest community since 2007, voted against it over density concerns, and fellow commissioner Andrew Elsberry framed his no vote as honoring what he called the community's collective voice on the matter.

By fall 2025, the Village and the developer had worked out a Development and Performance Agreement: 45 single-family lots clustered into perimeter sections, with the majority of the tract preserved as open space, cart paths rehabilitated into walking trails, irrigation restored, and new trees planted. The project has since gone to market as The Sechrest at Loch Lloyd, a new-construction neighborhood inside a community that most outside guides describe as having none.

What This Changes If You're Comparing Loch Lloyd to Other Communities

That gap between the guides and the ground matters if you're weighing Loch Lloyd against other gated golf communities in the metro. The pitch you'll hear elsewhere is that Loch Lloyd's value holds because there's no large-scale new construction to compete with an existing home for buyer attention. That was true of the Sechrest tract for four years while it sat abandoned. It stopped being true the moment the Village and the developer signed an agreement.

For a buyer, that has two practical effects. First, a resale home and a new lot at The Sechrest are not competing on the same terms. New construction usually prices differently than an established home, and it comes with builder timelines and covenants specific to that phase rather than the older sections. Second, if you're looking at a home whose lot line borders recreational open space anywhere in Loch Lloyd, that designation is not permanent by default. It takes a Village-approved rezoning to change it, and the Sechrest case shows that process is possible, contested, and capable of resolving in the developer's favor when the trustees find enough community benefit in the deal.

Before you write an offer on a Loch Lloyd home, a few questions are worth asking directly rather than assuming:

1. Which HOA actually governs this lot. The resident-run South association and the still-developer-controlled North association operate under different rules, and that affects who you're dealing with on covenant questions.
2. Whether golf and club access transfers with the home or requires a separate application, and what the current waitlist situation looks like.
3. If the property backs to open space, whether that parcel carries a Recreational Open Space zoning designation and whether any pending development agreement could affect it.
4. What the Village's current Unified Development Ordinance says about the section you're buying into, since the Planning and Zoning Commission was still refining that document in early 2026.

Common Questions

Does the price of a Loch Lloyd home include club membership? No. The homeowners association dues and the country club membership are billed separately by separate organizations, and golf specifically can involve a waitlist.

Is new construction available in Loch Lloyd right now? Yes. The Sechrest at Loch Lloyd is a 45-lot single-family development built on the site of the former nine-hole Sechrest golf course, following the Village's 2025 rezoning and development agreement.

Could more golf course or open space acreage convert to housing later? It's possible but not automatic. The Village's Land Use Master Plan, adopted in January 2024, prioritizes retaining recreation and open space alongside measured growth, and any future change requires public hearings and, in contested cases, the same two-thirds trustee vote the Sechrest rezoning required.

Loch Lloyd rewards buyers who read past the brochure. The gate, the lake, and the Tom Watson-designed course are real, and so are the layers of governance and separate agreements sitting underneath them. If you're comparing an established home against a new lot at The Sechrest, or trying to understand what a specific HOA and membership tier will actually cost you month to month, that's a conversation worth having before you're under contract, not after.

The Gamble Group has spent decades helping buyers and sellers work through exactly this kind of layered decision across Kansas City's most established communities. Schedule a consultation and we'll walk through what a specific Loch Lloyd address actually includes, and what it doesn't.