The Customer Service window is closed until further notice.

Curbside Hours (Curbside delivery of amenity tags, stickers, etc. available) Monday – Saturday: 8:00 am to 3:00 pm. Appointments MUST be made in advance!

The Association office is here to serve our property owners, and maintains many programs that benefit our members and enhance the value of ownership. These programs are listed below. If you have any questions after reviewing the information, please contact us.


Association Office 1st Quarter Guidelines

ACL staff are planning ahead and taking every possible precaution to protect the health & safety of our staff and membership this winter. COVID-19 is more prevalent than ever in Jo Daviess County. We anticipate the procedures below will be in place through the first quarter. We will adjust as the situation changes or as county, state, and federal guidelines require.

All owners are strongly encouraged to pay by mail, or to sign up for ACH – either the one-time pull withdrawn February 1, or one of the two Payment Plan options ACL is offering in 2021. We can accept credit or debit card payments over the phone, but a 4% convenience fee does apply. For those owners paying by mail or via ACH, we highly recommend having the amenity tags, stickers, etc. mailed to your home for $9 postage. These are sent in a Priority Mail box with tracking. Normal delivery times are 2-3 business days after shipment.

The best way to get documents to ACL is via email or fax. All ACL forms can be also be filled out electronically. Insurance agents can send documents directly to ACL at or via fax to (815) 492-2160. No scanner or fax machine? If you have a smartphone, please take a clear picture of your documents and email those photos to us. Payments & copies of paperwork can also be left in the dropbox next to the bulletin board outside the main office entrance at any time.


The Office is taking reservations for Curbside Pickup Appointments and Pay In Person Appointments.
Please read all of the guidelines before scheduling an appointment.




Make sure current contact information is on file

The Office and Safety & Security Department are not able to contact you with problems associated with your property if we don’t have current information on file. It is not uncommon to discover sinking boats, homes damaged by fallen trees, etc. and no valid phone numbers or emails for these owners. Updates can be sent to  

Registering a new watercraft or recreational vehicle?

To register a motorized watercraft, current state watercraft registration and current proof of insurance listing the watercraft and $500,000 in liability coverage must be supplied to the Office. Only watercraft owned by property owners can be registered, no guest boats are allowed. Any newly registered motorized watercraft must be measured at the Association Office before a sticker is given. To register a non-motorized watercraft, information on the watercraft (make, model, serial number, year, color, and length) must be provided along with proof of insurance showing $500,000 in liability coverage (yes, even for canoes and kayaks!). All watercraft must be registered & stickered before entering the water.

To register a golf cart, ATV, or UTV, current proof of insurance listing the vehicle description, $500,000 in liability coverage must be supplied to the office. These vehicles also must be measured to ensure they are less than 66” wide. Any golf cart, ATV, or UTV must be registered & stickered before being used on ACL property.

We strongly encourage anyone registering a new “toy” to send the insurance and registration (if applicable) to the office in advance of coming out to the lake. This way, if the documents are not sufficient, we have time to notify the property owner of the issue and time for the insurance company to correct and re-send the documents. Most insurance companies are not open on weekends. Paperwork can be emailed to or faxed to (815) 492-2160.