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REMEMBER TO CAST YOUR VOTE... OCTOBER 21 IS FAST APPROACHING
Who Raised Our Assessments 25% This Year — When the Draft Budget Showed No Increase Was Needed?
James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired.
Who Claims to Be “Transparent” Yet COMMIT TO SPEND OVER HALF A MILLION IN BEHIND CLOSED DOORS?
James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired.
Who Approved Spending Over $177,000 to Replace Streetlights — for the Second Time?
James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired.
Spending over $177,000 of homeowner funds to replace streetlights that were already replaced just two years ago is not transparency — it’s fiscal waste.
This project, justified under the guise of addressing grievances from just 14 homes, could have been remediated for a fraction of the cost through simple adjustments rather than wholesale replacement.
Even more concerning, the contract was awarded to a personal associate of a board member, raising serious questions about conflicts of interest, self-dealing, and misuse of authority.
Homeowners should not be footing the bill for projects that primarily serve the personal preferences or conveniences of a few individuals.
This isn’t sound management. It’s someone lining their pockets at the expense of homeowners.
who is posting MISINFORMATION anonymously on A REALTOR RUN FB GROUP NORTHERN TERRACE HOMEOWNERS?
It is likely James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired. This group, together with their spouses, close allies, and residents of the Andover and Emery, has consistently influenced outcomes and shaped discussions within the Association, often to the exclusion of the viewpoint of the other neighborhoods in Northern Terrace.
This is a tight-knit social circle within that gated area that regularly attends meetings but appears unaware they’ve been spoon-fed misleading information for years.
As the saying goes:
“If you repeat a lie often enough, people will start to believe it.”
The UDRP complaint was posted publicly to a Providence page by Jenn Palmer, wife of Board Member Ped Palmer, and later deleted after a rebuttal was shared.
This link to the findings was known only to Board Members, confirming that Ped Palmer — and potentially others — breached homeowner confidentiality and circulated misinformation on social media.
Moreover, Mrs. Palmer failed to disclose that Ped Palmer is her husband and he participated in submitting false or altered documents to a hearing panel in an attempt to secure a favorable outcome — conduct that raises serious ethical, fiduciary, and legal concerns.
Unfortunately, this is not the first time these Board Members have mishandled confidential information.
Earlier this year, the Board released a complete list of homeowners containing account numbers, balances, and delinquent homeowners — a clear violation of privacy and fiduciary duty under NRS 116.3103 and NRS 116.31175.
Compounding this data breach, at the September 2025 meeting, President James Klosty publicly admitted to running homeowners’ names through an AI platform to aggregate survey results. This reckless use of personally identifiable homeowner data without consent or disclosure represents a serious violation of trust and potentially of state and federal data protection laws.
These repeated breaches underscore a pattern of disregard for confidentiality, transparency, and homeowner rights, further eroding confidence in the integrity of this Board’s leadership.
Who Silences Opposing Views — Yet Allow Emily, PAUL AND OTHERS to Routinely Interrupt Meetings?
James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired.
Why do homeowners continue to take guidance from a realtor who has exploited this association for years through free publicity?
Why is it acceptable for him to operate a Facebook group using the community’s name — profiting from it and shaping public opinion — yet homeowners who operates a lawful, informational website faces attacks, censorship, and retaliation?
Every homeowner is entitled to equal First Amendment protections, but in Northern Terrace, free speech only applies if it benefits the right people - those on the current Board.
When transparency or truth threatens someone’s personal or business interests, Association funds are improperly used to silence and discredit those who speak out. This is not governance — it’s intimidation, financed by the very assessments homeowners are required to pay and increase under the guise of funding the reserves.
Unfortunately, this is not the first instance in which these Board Members have weaponized Association funds for legal retaliation, and it will not be the last if they are re-elected.
WHO INITIATED UNLAWFUL LEGAL ACTION AGAINST HOMEOWNERS?
James Klosty, Samuel Ever, Ped Palmer, and Lori Spredeman — the four candidates indicated with checkmarks — together with Audrey Romero, whose term has not yet expired.
Recent legal actions, including a UDRP domain dispute, were initiated without homeowner authorization, outside of duly noticed open meetings, and supported by falsified or altered documentation submitted to a hearing panel.
These actions not only violate the Association’s governing documents and Nevada statutes, including:
• NRS 116.31088(2) — requiring a membership vote before the Association initiates legal action;
• NRS 38.310 — mandating alternative dispute resolution (ADR) before any complaint or claim is filed;
but also implicate constitutional protections afforded to homeowners, including the First Amendment right to free expression and the Fourth Amendment right to privacy.
Furthermore, the UDRP proceeding did not constitute binding arbitration under Nevada law and will be formally challenged for violating both statutory and constitutional due process standards.
As of September 2025, Board Members James Klosty, Samuel Ever, Ped Palmer, Lori Spredeman and Audrey Romero have authorized and spent over $19,000 of Association funds on legal fees to suppress homeowner speech and retaliate against individuals who have exposed misconduct or questioned Board actions.
These acts go far beyond administrative error — they demonstrate a pattern of abuse, deliberate concealment, and reckless disregard for due process. Using homeowner assessments to finance personal vendettas and silence dissent is not only unethical, but potentially fraudulent under NRS 116.31184 (misuse of association funds) and related provisions of Nevada law.
The Path Forward
Some residents have expressed concern that the recent “bad PR” surrounding Northern Terrace could negatively affect property values or home sales. The truth is, these concerns created by the deceitful actions of our current Board - James Klosty, Samuel Ever, Ped Palmer, Lori Spredeman and Audrey Romero. What has been shared here publicly reflects documented facts — not rumors — about how this Association is being mismanaged.
Do not reward deceit. Vote for transparency, accountability, and lawful governance.
Be part of the solution — because ignoring corruption doesn’t make it go away; it enables it.
The Northern Terrace community deserves integrity, not deception. Property values are protected by lawful, transparent governance — not by concealing misconduct. If homeowners truly care about preserving their investment, they should look closely at the actions, spending, and track records of those seeking re-election.
The resignation of three directors in 2024 immediately after the election was known before the election, and the same realtor who has long exploited this association questioned whether the remaining board member could then appoint replacements.
This was not coincidence — it was a calculated act of deceit and election tampering, orchestrated to allow James Klosty to bypass the homeowner vote and install his acquaintances and friends - Lori Spredeman, Ped Palmer and Samuel Ever.
When confronted about these appointments in January 2025, the Board falsely asserted that they had contacted elected candidates to offer them the vacant positions. This claim was later disproven when the individuals ultimately appointed acknowledged during the "Board Candidate Q&A" that they had been contacted directly by James Klosty — an event organized and moderated by the same realtor closely affiliated with current Board members.
These actions demonstrate a deliberate effort to circumvent the electoral process and consolidate control through personal affiliations rather than merit or homeowner representation. For the past year, Mr. Klosty has repeatedly misused Association funds and resources to pursue personal vendettas, rather than fulfilling his fiduciary duty to act in the best interest of the community as required under NRS 116.3103(1).
2025 Northern Terrace HOA ELECTION
Community Governance Concerns & Ethical Violations
This is in response to a post on social media and we do not endorse any of the named candidates for the following reasons.
• Misuse of Community Social Media Platforms
As administrator of the neighborhood Facebook group, this homeowner routinely uses the platform to:
- Promote his real estate business,
- Influence or censor posts that challenge his preferred narrative or personal interests, and
- Target, harass, or discredit dissenting homeowners.
This conduct undermines the group’s intended purpose as a neutral community forum and raises serious concerns about bias and suppression of free homeowner expression.
• Improper Campaign Activity Using Association Resources
The same individual organized a “Board Candidate Q&A” event exclusively for incumbent Board Members. This event was:
- Advertised at the expense of the association,
- Not offered to all candidates equally, and
- Violated state election laws prohibiting equal opportunity to all candidates.
The October 21st meeting agenda is being used as a campaign tool by James Klosty, Ped Palmer, Lori Spredeman, and Samuel Ever, as it prominently claims there will be no increase to assessments.
If that is the case, then homeowners deserve to know — why are financial and policy decisions still being made outside of duly noticed open meetings, in violation of NRS 116’s open meeting requirements?
• Installation of Custom Streetlights Without Board Approval
As early as March 2022, motion-activated streetlights were installed for the benefit of:
- The current association president,
- This homeowner, and
- A former employee of FirstService Residential (FSR).
These custom streetlights:
- Were paid for with association funds,
- Were never brought to the Board of Directors for approval,
- And served the personal convenience of a few rather than the broader community by having motion sensors installed.
Source: Inspection report from 2022 and 2023 by licensed vendors highlighting these differences.
• Preferential Treatment & Misuse of HOA Funds
Certain current and former Board Members have:
- Ignored association legal opinions and regulations,
- Authorized association funds to advertise this homeowner’s real estate business,
- Approved tree removal expenses ($1,650) from common areas directly adjacent to his newly-installed pool—without public disclosure or vote in an open meeting.
In addition, this homeowner has repeatedly used association common areas to host and promote “charity drives” that solicit community donations — events that reportedly provide him with personal tax deductions. This raises legitimate concerns about transparency and personal benefit.
For example, during one such event, the organizer publicly posted a photo of a tax receipt for blankets that homeowners had donated, without disclosing that he — not the participants — would receive the tax deduction for those contributions.
A previous Board raised concerns over the use of the U.S. flag for commercial or promotional purposes, noting that such use violates both federal law and the Association’s governing documents.
This action followed multiple homeowner complaints, many from veterans and active-duty service members, who found the practice disrespectful. Others pointed out that displaying flags on vacant homes while residents were deployed created security concerns by signaling that the property was unoccupied.
Source: Association legal opinions, recordings from open meetings,Board Packet invoices
• Retaining Vendors Previously Terminated for Cause
Despite prior terminations for cause, the current Board has reinstated several vendors with problematic histories, including:
- FirstService Residential – Terminated due to increased costs, frequent absences of the community manager (due to a second job), and inadequate supervision of Clubhouse staff.
- Jenni Plumber – Previously failed to obtain required permits, left hazardous electrical work exposed, and posed immediate safety risks.
- Calavan's Pools – Had pools shut down by the Health Department, failed to maintain essential equipment (boilers), and demonstrated unreliability (no-shows, missed calls).
• Contradictory Statements & Ethical Inconsistencies
In past correspondence (August 4, 2020), the current association president expressed strong objections to using the association or community events as platforms for personal business promotion:
“Any board member can use the association as a platform to advertise. I consider that unethical.”
“Just because we’ve done it before, does not make it right.”
"Residents that are not board members wanting to advertise their business warrants a different discussion entirely."
"Again, I don’t think the association should be attaching itself to any business unless they are paying us to do so or vice versa. Otherwise, any board member can use the association as a platform to advertise. And, I consider that unethical."
"Based on Dave’s reaction and reluctance to remove his business logo, this is an obvious advertisement disguised as a fantasy football league."
"My concerns and questions are valid and in no way personal. Just because we’ve done it before, does not make it right."
"Just out of curiosity, what does this have to do with the board and why does First Service feel responsible to blast this out? Thank you."
However, he now routinely leverages community resources, events, and communications for personal marketing—raising the question: What changed? Is the association or its current leadership now benefitting financially?
• The Bigger Problem: Lack of Transparency & Ethical Governance
The governance of our community increasingly appears to be dictated by online narratives controlled by a select few administrators. Homeowners and candidates who dissent are often subject to:
- Online harassment ("cyber-lynching"),
- Gaslighting,
- Public defamation, and
- Targeted “cancellation” campaigns meant to dissuade participation or influence voting outcomes.
Transparency isn’t political—it’s ethical.
Homeowners deserve leadership that acts:
- Lawfully,
- Ethically, and
- In the community’s best interest — not for personal promotion, financial gain, or control of narrative.
Additional Concerns
Failed Recall Effort and Misleading Homeowner Engagement
This homeowner initiated a failed recall effort against two Board Members, falsely claiming he would collect 300 signatures. During this effort:
- Misleading information was circulated,
- Homeowners reported feeling pressured or misled into signing the petition.
Alleged Coercion of Former Employee to Make False Claims
Following the failed recall, it is alleged that this individual encouraged a former Clubhouse employee to make fabricated allegations against former Board Members. A private investigator was hired to review the claims, but:
- Both the employee and the homeowner refused to speak with the investigator or provide documentation proof of their allegations,
- A separate homeowner later reported the employee admitted she “made it up to help them,” with her mother confirming the incidents never occurred.
Unqualified Appointments and Questionable Contracts
A homeowner with no relevant licensing was appointed by the Board as the community “Lighting Expert.” Shortly after:
- A lighting contract was awarded to an out-of-state business upon the appointee’s recommendation,
- Circumventing typical vendor vetting and raising concerns about conflict of interest.
Conclusion: Homeowners Deserve Better
The pattern of misconduct, ethical lapses, and lack of transparency outlined above suggests a governance model that prioritizes personal agendas over community welfare. It is time for:
- Greater oversight,
- Independent audits of decisions and spending,
- And the restoration of trust through transparent, inclusive leadership.
DID YOU KNOW?
Illegal Gaming Activities
This HOA previously hosted unapproved gaming events, including the “Northern Terrace Fantasy Football” league — an activity that violates Nevada law and expose the association to liability with the Nevada Gaming Control Board. Hosting or sponsoring gaming activity under an HOA’s name without the proper licenses places every homeowner at financial and legal risk.
DID YOU KNOW?
Commercial Events Are Prohibited
The Association’s Governing Documents expressly prohibit commercial activity on HOA property. Despite this, such events continue to occur under the current Board’s oversight. Interestingly, Board President James Klosty previously supported this prohibition but has since reversed his stance. What changed? Is there compensation for this "sponsorship"?
The pattern of behavior across multiple incidents reflects a consistent misuse of association authority, resources, and community platforms for personal and political purposes. The same individuals accused of ethical misconduct—ranging from unapproved streetlight installations and biased social media moderation to the reinstatement of terminated vendors and selective campaign events—demonstrate a systemic lack of transparency, accountability, and adherence to Nevada law and the HOA’s own governing documents.
Key takeaways:
- Community platforms are being weaponized to control narratives, silence dissent, and promote private business interests.
- Association funds and events are being used for self-promotion and campaign favoritism, violating equal access and fair election principles under NRS 116.
- Vendor contracts and expenditures reveal patterns of favoritism and noncompliance with open meeting and competitive bidding requirements.
- Ethical double standards by current leadership—condemning behavior they now engage in—undermine homeowner trust.
- Homeowners face harassment and misinformation, creating a chilling effect on participation and governance oversight.
Bottom Line:
The HOA’s governance under James Klosty, Lori Spredeman, Ped Palmer, Samuel Ever and Audrey Romero has strayed from lawful, transparent, and community-focused stewardship into a culture of self-interest, selective enforcement, and ethical compromise. Restoring integrity requires independent audits, strict adherence to NRS 116, and leadership committed to accountability over personal gain.
NEWS @ NORTHERN TERRACE COMMUNITY
Ombudsman Inquiry
On April 4, 2025 this website received a communication Barry Chappell, Program Officer I Ombudsman Office regarding an "anonymous inquiry".
It is unknown why he would contact this website but what is known is Mr. Chappell acted outside of his scope of authority by investigating an anonymous inquiry.
IMPORTANT UPDATES: Assessment Increase
04/18 Update E-mail of electronic statements Subject - "Your Documents are Ready":
As of 2:40 PM the Northern Terrace HOA Board has reversed its prior decision made on 04/16 to postpone the assessments increase until June 1, 2025. Revised statements have now been issued with the following notice:
"REVISED STATEMENT: Please disregard the previous statement you received for May. The assessment rate is $130.75 beginning May 1, 2025."
The Northern Terrace HOA Board is fully accountable for the actions and communication of CAMCO, the management company they have engaged. Responsibility for these decisions lies with the Board members: James Klosty, Ped Palmer, Audrey Romero, and Samuel Ever. Legal and fiduciary duties cannot be delegated to a third party.
Homeowners are strongly encouraged to voice their concerns at the next Board of Directors meeting. This situation represents a serious lapse in judgment and a failure of governance that demands immediate attention and corrective action.
It is also worth questioning why non-HOA-related emails are sent electronically to all unit owners, yet meeting notices—particularly those involving assessment increases—are not communicated with the same urgency or transparency.
When exactly did the vote occur to delay the assessment increase until June 1st? What were the vote counts, and who authorized the reissuance of the corrected billing statements?
Further, when was the meeting held to overturn this decision, and who called that meeting? What were the recorded votes of each board member involved?
In the span of just four days, two board meetings occurred where decisions were made and 920 revised statements were printed and mailed a second time contradicting the e-mail just 2 days prior—yet this same urgency is never applied to meeting notices, which are required by Nevada law to be delivered at least 10 days in advance.
This inconsistency raises serious concerns. Where is the accountability? Why is this level of operational efficiency only exercised when issuing demands for payment, but not when complying with legal obligations to inform homeowners of Board actions?
This pattern reflects a troubling disregard for transparency, process, and the rights of the homeowners.
04/17 Update - "Northern Terrace HOA - Monthly Assessment UPDATE":
As of 4pm on 04/16 Rosario Orozco, CAMCO Community Manager wrote:
"Oops! Due to a clerical mix-up, you may receive a second May statement showing the new amount of $130.75 — feel free to toss it.
Good news: the Board voted to delay the increase and keep the current rates through May — $104.60 (non-gated) or $131.60 (gated).
If you've already made a payment reflecting the new amount, no worries — a credit will be applied to your account.
The new rate of $130.75 kicks in June 1, with an updated statement arriving mid-May.
Thanks for your patience — and sorry for the mix-up!
CAMCO Management Team"
Editorial comment:
This raises additional concerns.
- Contrary to what homeowners may have been told, association mailings are not free—part of the management fee we pay is allocated for these mailings.
- We’ve just experienced a $26.15/month assessment increase, and now we’re being told to simply discard the billing statements we receive. Personally, I find that frustrating. Like many of you, I work hard for my money, and I expect it to be handled responsibly.
- And what about the 211 homeowners in Andover/Emery who are being charged an unlawful reserve assessment for yet another month? How is that fair?
I understand that mistakes happen—it's part of being human. But the key difference lies in owning those mistakes. Simply saying “Oops” or “my bad” doesn’t demonstrate true accountability; it minimizes the impact. When small mistakes are dismissed repeatedly, they accumulate—and now we’re dealing with the consequences.
The Board’s failure to adopt the 2025 Operating and Reserve Budget, effective January 1st, has already resulted in a loss of ~$149,040 in assessment revenue for the association. If the budget is not implemented by June 1st, this number will continue to rise. Every month of delay increases the financial shortfall.
04/14 - Editorial comment:
The Board of Directors approved a 25% assessment increase—$26.15 more per unit each month—bringing the total monthly assessment to $130.70, effective May 1, 2025.
Yet the May 2025 statements issued by CAMCO, and approved by this Board, do not reflect the increase. This directly contradicts what homeowners were told, and once again, there has been zero communication or clarification. This is unacceptable.
Even more troubling, Andover/Emery homeowners are still being charged the gated reserve assessment — an unlawful fee that was supposedly eliminated. Why is this still happening?
This isn’t just an oversight—it’s a glaring example of two years of ongoing fiscal mismanagement by both CAMCO and the Northern Terrace HOA Board. Decisions are being made behind closed doors, with no transparency, no explanation, and no respect for the people footing the bill.
Homeowners deserve better than silence, backtracking, and financial missteps.
Read more on an analysis of the increase based on the information provided by the HOA.
POOL CLOSURE
This memo was sent by the HOA on 04/14/2025:
Subject: Re: Clubhouse Pool Heater – Update
Great News!!
The Northern Terrace Board of Directors has been working with the Pool Vendor; Quality One Pool to rectify the heater issue at our pool.
As of Thursday, April 10th the Board of Directors has accepted/signed the proposal to correct the heating issue.
Unfortunately, there is about a 2-week turnaround time for parts. Once the parts are received Quality One will schedule us promptly.
Currently the pools and spa are open and ready for use.
We greatly appreciate your patience during this time. We apologize for the inconvenience this has caused.
Sincerely,
Northern Terrace HOA
Management Team
Editorial comment:
This raises a serious question: why are the pool heaters—fully replaced in November 2022—already broken? Back in 2022 and 2023, it was stated during board meetings that support contracts were in place. However, those contracts were not renewed for 2024/25. The pools were heated during Winter 2022, Spring 2023, and Fall 2023—so what changed?
Instead of taking responsibility, the Board and Management are shifting blame to the pool vendor, downplaying their own failure to properly maintain these amenities. We have two heated pools—are we now to believe that both are out of service?
This issue has appeared on multiple 2024 agendas, yet no action has been taken. This is not just frustrating—it’s a red flag.
As services continue to be cut while assessments rise, this isn’t “Great News!!” It’s neglect—and it's the homeowners who end up paying the price.
Supervisory Community Manager for Northern Terrace : Rosario Orozco
FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER BY Real Estate Division, Department of
Business & Industry, State Of Nevada (Petitioner) VS Rosario Orozco (Respondent),
Case Nos. 2014-3723 and 2014-3453
Homeowners should be asking why the Board of Directors failed to disclose this troubling past during the previous Board of Directors meeting.
About THE NORTHERN TERRACE COMMUNITY
Northern Terrace Resident Portal
Northern Terrace Resident Portal
Homeowners can register online to pay assessments, view statements, submit architectural modification requests online or view Association Records through the Management Company.
Contact the HOA directly for this information
Amenities
Northern Terrace Resident Portal
Residents can enjoy community amenities that include a Clubhouse which features an aquatic facilities including a spa and lap pool, children's playground and activity room, fitness center, and entertainment room.
Reservations of the Entertainment Room and Kitchen, Activity Room or Outdoor BBQ Area are also available for private functions and events for any homeowner, free of charge.
About Northern Terrace at Providence LLC
About Northern Terrace at Providence LLC
This site is a resource for those in the community and does not represent the views or opinions of the HOA. This is intended as an advocacy site for the homeowners in Northern Terrace and give community members a voice.