Golf Course Living Is Paradise—Except for the 651 Balls Pelting Your House and Yard
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Golf Course Living Is Paradise—Except for the 651 Balls Pelting Your House and Yard

In a Massachusetts country club battle, teed-off neighbors are suing, saying errant balls have made life a living hell. How many is ‘reasonable’?

By JAMES FANELLI
Wed, Feb 22, 2023 9:10amGrey Clock 4 min

Erik and Athina Tenczar in 2017 bought what they thought was their forever home in Kingston, Mass., a four-bedroom colonial that sits near a left-hand dogleg on the 15th hole of the Indian Pond Country Club.

To their dismay, the Tenczars soon learned that ambitious golfers regularly attempted to cut the corner, putting their house in the line of fire.

Hundreds of golf balls have pelted their house and yard since, turning the residence, they say, into a living hell. The carnage includes eight broken windows and damage to the home’s siding and deck. They have forbidden their three young children to play in the yard, worried they could be hit by a drive.

The couple sued the club the year after moving in, alleging the barrage of balls constituted civil trespass. “We are constantly thinking about the next golf ball that’s going to hit,” Mr. Tenczar testified at a 2021 trial.

The jury awarded the Tenczars $3.5 million in damages, but the highest court of Massachusetts issued a mulligan of sorts in December 2022, throwing out the verdict and ordering a retrial, scheduled for August. A new jury will need to consider whether the number of balls hitting the home is reasonable, the court said.

Living amid the manicured beauty of a golf course has its perks, from picturesque views to quick access to the clubhouse, but it has always come with the risk of intrusion from a badly missed slice or hook.

Still, even after the construction of thousands of golf-course residential developments, there are open questions of law—and neighborly decency—about how many errant shots are too many.

Brit Stenson, the president of the American Society of Golf Course Architects, said designers use hazards, bunkers and water to direct play away from homes along holes, but it is nearly impossible for houses to avoid being hit altogether.

“Today’s golfers often swing really hard at the ball, but they don’t always know where it’s going,” he said.

In the Tenczars’ case, the state high court didn’t cite a legal precedent for its test but said that an easement on their property gave Indian Pond the right to operate a golf course in a reasonable manner. “With golf, some errant shots, way off line, are inevitable, but a predictable pattern of errant shots that arise from unreasonable golf course operation is not,” it said, calling for improved jury instructions at the next trial.

In the U.S. more than 3,300 golf courses operate at over 2,750 facilities classified as residential developments, according to the National Golf Foundation. Many developments have easements and restrictions baked into surrounding residential lots, releasing golf courses from liability and in some cases allowing golfers to retrieve balls from properties. Despite the legal barriers, some homeowners have tried to hold courses or individual golfers accountable.

Leslie Stevens, whose Parker, Colo., home sits on the right side of a fairway, said management at the Black Bear Golf Club changed hands in recent years, and new ownership sought to increase the total number of daily rounds. More golfers has meant more wandering drives pelting her property.

Ms. Stevens said she has chased down golfers on a couple of occasions and asked them to pay for windows they shattered. “They would say, ‘Oh no, you assume the risk. I don’t,’” she said.

She installed protective netting in her backyard but later took some of it down because of the diminished aesthetics. “Who wants to be on a golf course,” she asked, “where you feel caged in?”

The Black Bear’s general manager, Heath Robberson, said the golf club takes homeowners’ concerns seriously and repositions tee boxes when reasonable.

“However, homeowners who purchase a home on a golf course should expect the periodic intrusion of golf balls, especially when they’ve agreed to assume such risks through the covenants governing their property,” he said.

In Anaheim, Calif., Casa Hermosa Mobile Home Park and Dad Miller Golf Course lived in harmony next to one another for years. Balls began striking some mobile homes in 2021, residents say, when a tee box was altered and trees removed while the course was working on a flood channel.

In addition to the damaged property, some residents no longer feel safe tending to their gardens, said Bobbie Crawford, an 80-year-old park resident who manages the facility. “I guess we could buy bicycle helmets,” she said.

Last month the mobile home park’s owner sued the city of Anaheim, which owns the course. An Anaheim spokesman said Dad Miller has been a great neighbor and the city was surprised and disappointed by the suit.

Michael Johnstone, who specialises in forensic investigations of golf-course design and served as an expert witness for the Tenczars in Massachusetts, said he recommends changes to courses, such as reversing a hole or turning a par 5 into a par 4, to correct for a high frequency of wayward shots landing in a certain area.

On rare occasions, though, golfers intentionally try to hit a home, Mr. Johnstone said.

“It’s Friday night and they’re having beers and they say, ‘Who can hit the brick house?’” he said.

The Tenczars, who aren’t golfers, testified that when they purchased the newly built home they never asked questions about the course and didn’t foresee dealing with stray balls.

John Flemming, an attorney for Indian Pond Country Club, said simple due diligence would have given them an idea of what to expect. “All you have to do is google it,” he said.

The Indian Pond course met all the golf design guidelines, Mr. Flemming said, adding that the builder of the Tenczars’ home removed trees and vegetation that helped serve as a buffer. In 2019 the course made alterations to direct shots away from the home, he said, reducing the number of balls hitting the property to between 89 and 99 a year from about 130.

After the jury verdict, two of the 15th hole’s tee boxes were moved farther back, which helped reduce the number of balls landing on the property to 10 for the 2022 season.

At the 2021 trial, Robert Galvin, the Tenczars’ attorney, introduced as evidence a laundry basket containing 651 balls the couple had collected. The judge accepted a photo instead of the basket to alleviate the burden of the clerk’s office storing the balls.

Ms. Tenczar testified that the ordeal gave their then-5-year-old daughter a bad impression of the sport.

“She recently asked me why golfers are bad people, and I had to explain to her that they are not,” Ms. Tenczar told jurors. “There is an issue at the golf course that needs to be fixed, and mommy and daddy are trying to fix it.”



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How much income is required to service a mortgage? It depends on where you live

New research suggests spending 40 percent of household income on loan repayments is the new normal

By Bronwyn Allen
Thu, Apr 25, 2024 3 min

Requiring more than 30 percent of household income to service a home loan has long been considered the benchmark for ‘housing stress’. Yet research shows it is becoming the new normal. The 2024 ANZ CoreLogic Housing Affordability Report reveals home loans on only 17 percent of homes are ‘serviceable’ if serviceability is limited to 30 percent of the median national household income.

Based on 40 percent of household income, just 37 percent of properties would be serviceable on a mortgage covering 80 percent of the purchase price. ANZ CoreLogic suggest 40 may be the new 30 when it comes to home loan serviceability. “Looking ahead, there is little prospect for the mortgage serviceability indicator to move back into the 30 percent range any time soon,” says the report.

“This is because the cash rate is not expected to be cut until late 2024, and home values have continued to rise, even amid relatively high interest rate settings.” ANZ CoreLogic estimate that home loan rates would have to fall to about 4.7 percent to bring serviceability under 40 percent.

CoreLogic has broken down the actual household income required to service a home loan on a 6.27 percent interest rate for an 80 percent loan based on current median house and unit values in each capital city. As expected, affordability is worst in the most expensive property market, Sydney.

Sydney

Sydney’s median house price is $1,414,229 and the median unit price is $839,344.

Based on 40 percent serviceability, households need a total income of $211,456 to afford a home loan for a house and $125,499 for a unit. The city’s actual median household income is $120,554.

Melbourne

Melbourne’s median house price is $935,049 and the median apartment price is $612,906.

Based on 40 percent serviceability, households need a total income of $139,809 to afford a home loan for a house and $91,642 for a unit. The city’s actual median household income is $110,324.

Brisbane

Brisbane’s median house price is $909,988 and the median unit price is $587,793.

Based on 40 percent serviceability, households need a total income of $136,062 to afford a home loan for a house and $87,887 for a unit. The city’s actual median household income is $107,243.

Adelaide

Adelaide’s median house price is $785,971 and the median apartment price is $504,799.

Based on 40 percent serviceability, households need a total income of $117,519 to afford a home loan for a house and $75,478 for a unit. The city’s actual median household income is $89,806.

Perth

Perth’s median house price is $735,276 and the median unit price is $495,360.

Based on 40 percent serviceability, households need a total income of $109,939 to afford a home loan for a house and $74,066 for a unit. The city’s actual median household income is $108,057.

Hobart

Hobart’s median house price is $692,951 and the median apartment price is $522,258.

Based on 40 percent serviceability, households need a total income of $103,610 to afford a home loan for a house and $78,088 for a unit. The city’s actual median household income is $89,515.

Darwin

Darwin’s median house price is $573,498 and the median unit price is $367,716.

Based on 40 percent serviceability, households need a total income of $85,750 to afford a home loan for a house and $54,981 for a unit. The city’s actual median household income is $126,193.

Canberra

Canberra’s median house price is $964,136 and the median apartment price is $585,057.

Based on 40 percent serviceability, households need a total income of $144,158 to afford a home loan for a house and $87,478 for a unit. The city’s actual median household income is $137,760.

 

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11 ACRES ROAD, KELLYVILLE, NSW

This stylish family home combines a classic palette and finishes with a flexible floorplan

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