"GAMBLER WITH HEART" by Mac Abel . . .



On May 15, 1990, one of Texas’ most breathtaking sites was unveiled…a view that cost as much as some courses to create! Aptly names, "The Falls of Slick Rock", the renowned golf course architect Robert Trent Jones, Sr. was in attendance. It was the Great Jones who threw the switch sending 8000 gallons of water per minute cascading over the awesome golf cart path crossing between two falls. Water, now more than an amenity, had become a treasure.

The massive waterfall, 100-feet long, 235-feet high and built on two levels, is the focal point of the major landscape complex. Designed with a dual purpose in mind, Norman altered the water hazard created by the creeks flow throughout the golf course, crossing it between the tee and the green on number 14, to create an unparalleled beauty. The development of the site, a 6-month daily project required 40,000 man hours, 2000 equipment hours, Norman’s daily supervision, the expertise of Engineer Frank King, Golf Course Maintenance Director Alan Houdek and Masonry Contractor Bobby McMurry, plus a large number of laborers…and expense!

Gracefully curving limestone walls, rising as high as 25 or 30 feet, follow the natural rock formations which extend down to the bedrock in the creek. The walls serve not only to hold the creek banks, but lend an added touch of beauty, supplying planting pockets for shrubs, plants and yellow blooms of jasmine. All tossed off with a piquant maneuver of placing delightful little cement turtles clinging throughout crevices of rocks with fascinating enormous sizes placed at unsuspected locations.

Watching Norman at work, one is aware of his ability to create a sensuous fluidity of beauty. Blending proudly among his faithful respected crew, where the chemistry of time left a confusing jumble of contorted rock formations waiting to be placed upon his earthy canvass, Norman is oblivious to his surroundings. Striding alertly, head bowed and brows knit in deep concentration, he walks tall, striking and reserved [a trait often misunderstood]. His open shirt and tailored trousers belie his status. A man committed to his palette of earth, the bowels of civilization from which he extracts his tubes of creativity…punctuated from his drawing board…by a spray can of yellow paint!

Located at the farthest point of H.S.D. West, nearly 13 acres, with 1600 lineal feet of shoreline, rising 65 feet above the waters of Lake L.B.J. is a piece of land which stands out for it’s unusual formation for dramatic granite outcropping…the result of the very basement of earth pushing it’s way toward the skies for 180 degrees, the scene is fantastic…rolling hills, lake, Cap Rock, clubhouse, golf course, Applehead and Applehead Island.

On May 16, 1989, a very special relationship dissolved for Norman with the sudden death of his devoted wife Dorothy. Confidante, companion, mother and office director, Dorothy was dedicated to Norman, her family and the development of Horseshoe Bay. Supporter of the Highland Lakes Crisis Center is was through Norman’s and Dorothy’s support, the center became a reality when they donated funds to purchase the original part of its Marble Falls site. She was a member of the non-denominational "Joy of Living" Bible Study Group at the First Baptist Church, founded by daughter Gina Furley. Norman and Dorothy have two lovely daughters, Mrs. E.K. Furley [Gina] of Houston and Mrs. Bill Lucy [Cheron] of Horseshoe Bay.

Bill Lucy and wife Cheron, former members of the original Horseshoe Bay Executive Staff of 1971, where Bill served as Assistant Project Manager and Cheron, Office Manager, returned to make their permanent home in Horseshoe Bay in 1989. Housing was practically non-existent in 1971, and after three moves, on of which was from the "Swiss" type chalet on Highway 2147 [one-time Horseshoe Bay office] the Lucys purchased a home on Keelway. In 1979, they chose to return to Dallas where Bill completed his graduate studies. Cheerful, friendly and active, Bill and Cheron area a remarkable young couple. Bill is vice president of Marketing and Control for Lake L.B.J. Investment Corporation, while Cheron assists her father Norman Hurd at his corporate office. The Lucys have four children; Travis 16, Kendall 14, Nathan 10 and Heather 7.

Frank King, another member of the original H.S.B. Executive Staff since it’s beginning where he served as Project Manager, is vice president of Lake L.B.J. Investment Corporation. An independent contractor, Frank is owner of "Bay Maintenance" specializing in street, highway and utility construction throughout Texas. Frank is one of the last great gentlemen. His wife Melanie is responsible for those clever seasonal displays in their yard for all to enjoy on Highway 2147 toward Marble Falls. They have four children; Shawn 20, Frank 14, Heath 16, and Cassie 13.

The Horseshoe Bay Committee of Architecture considers dish antennas to be aesthetically objectionable. A permit from the developer must be obtained prior to their erection to assure its architecture is compatible with other H.S.B. structures.

In the event of the possibility microwave television should be able to receive the signal, a small outside antenna will be necessary. Prior to establishing service to any H.S.B. residence, the company will be required to obtain a permit from the Committee of Architecture headed by Wayne Hurd.

In 1990 Lake L.B.J. M.U.D. - Horseshoe Bay Police Department, in cooperation with the Property Owners Association administered a "Vehicle Identification Sticker". This vehicle identification sticker is made available for $1.50 to place on your car to assist police and residents of H.S.B. in providing security to the community. They are obtainable at your police station at the Breedlove Building.

Since the Property Owners Association was formed in 1974, the developers of Horseshoe Bay, Norman and Wayne Hurd, have deeded various tracts of real estate [some with improvements] to the Property Owners Association. The major tracts are:

Quail Point - improved with clubhouse, etc. containing 3.412 acres.

Fuchs House - improved with historical house, containing 4.667 acres.

Camp Ground and improvements - 3.50 acres

Tract northwest of Fuchs House 11.844 acres and has a lake and park area.

Parcels of Land - parks, easements, a lake, fire station site, etc. These tracts are located throughout Horseshoe Bay and range in size from a few square feet to several acres. [The fire station site was deeded to Lake L.B.J. Municipal Utility District as approved in the Property Owners Association Annual Meeting on November 15, 1990.

In view of the restrictions contained in the deeds to the properties, it is apparent that none of the properties can be disposed of for the benefit of the Property Owners Association and, therefore, have no monetary value to the Property Owners Association.

More than half of one’s annual maintenance fees goes to maintain and improve golf course facilities. Golf courses of the quality Horseshoe Bay presents cannot be provided from membership and green fees alone. A large portion of the remainder of the fee is distributed to the Horseshoe Bay Property Owners Association, Inc. to maintain all of the commonly owned property as mentioned above plus greenbelts and parks. It is also used to maintain subdivision streets at a higher quality than the counties are willing or able to provide. By providing these high quality maintenance and security services, property investments are protected.

Former L.B.J. Municipal Utility District Board Chairman Dave Martin, died of a massive heart attack December 24, 1990, just one year after he decided to not run for re-election. A strong popular Horseshoe Bay leader for eleven years, Dave accomplished a great deal for the district and community where he commanded respect. One of his greatest accomplishments was his conceivement and influence in obtaining the Wastewater Treatment System and his significant negotiation with the Texas Water Commission. He is survived by wife Patsy and son Sam of Houston, Texas.

Effective in January of 1990 Leon C. Stewart was selected by the P.O.A. as general manager, replacing Tom Sams who retired after eight years of service. Resident of Marble Falls for the past 13 years, he has served on their planning and zoning commission, president of the Architectural Control Committee of Lago Vista and presently a member of the Burnet County Appraisal Review Board.

On July 26, 1990 Lake L.B.J. M.U.D. General Manager Ike Williams received "The Environmental Protection Award" for wastewater treatment plant. Slick Rock Wastewater Treatment Plant received the regional administrator’s Environmental Excellent Award. It was also nominated to the state level of competition by Texas State Water Commission’s Regional Office. This is a very prestigious award which covers Oklahoma, Arkansas, Louisiana, New Mexico and Texas.

In August of the same year, Lake L.B.J. M.U.D. directors approved a six-cent final tax rate for the coming year. The majority of the tax rate [55 cents] goes for debt service with eight cents going to police, fire and EMS services. All other district operations are paid through water, sewer and garbage fees.

In November of 1990 the landfill in Llano County [Kingsland] where the garbage picked up in the district was disposed of, had to be closed. The county made the decision to build a transfer facility at that location to accept the garbage, compact it and haul it to a landfill outside the county.

The changes in disposal methods caused the cost per cubic yard to go from $4.00 to $14.00, an increase of 250 percent. The new method also increased the time it takes to properly transfer the garbage from the collecting compactor truck to the transfer compactor bin for the final hauling. Rates for residential garbage collection were increased February 1, 1991 to $2.62 per month, [from $8.00 to $10.62 including 6.25 percent sales tax]. Commercial garbage collection rates were comparably increased based on capacity utilized.

Debt service payments for 1990 total $2.297 million, including series 1985 bonds used for debt consolidation and series 1990 bonds which were issued recently to fund the district’s planned effluent transport system. In constructing this system, an unused schist pit was used as a holding reservoir. The waterproof pit will not leak into the adjacent water table.

On September 15, 1990 management announced "Horseshoe Bay Country Club" will be known as the "Horseshoe Bay Resort and Conference Center".

At the same time, the "Golfer’s Den and Instructional Park" at Slick Rock Golf Course was opened…a unique view from another window framed in enormous boulders weighing tons, halved to blend symmetrically around their secrets with music to charm the entrant.

A dramatic waterfall dashes swiftly under a unique arched bridge, emerging into a pool where a fountain sprays two enormous turtles unable to voice appreciation for their auspicious surroundings. Flowing onward under a second bridge and fountain, waters continue to travel along lush fern covered routes to empty into a pool approximately 80 feet away. A huge ornate iron filigree cage houses three breath-taking beautiful red and green plumed macaws. Truly a most unusual sight!

The "Golfer’s Den" houses practice balls, an in-house extension, smoke shop, "snack" dispenser and restrooms. An excellently designed area with natural slate rock tables with seating arrangements, tournament scoreboard and cart paths with slate finish edges and limestone curbs. Three professionally designed driving ranges, each a different elevation, an exceptionally challenging approach to perfection.

Present officers of Horseshoe Bay Women’s Golf Association are Susie Pearce, president; Sandra Davis, vice president; Zora Hutchinson and Marion Wayrauch, tournament co-chairman; Helen Short, secretary; Eunice Trapani, treasurer; and Frances Hixon, parliamentarian. Outgoing president is Skeeter Fox.

"The Defender", a 35-foot fiberglass fishing boats, was purchased with the help of donations, by the L.B.J. Municipal Utility District for $12,000.00 and transformed into a rescue craft that enables fire fighters to battle blazes on the waterfront. E.M.S. Director Jerome Davis applauded the district on the investment. The Emergency Ground Service now have access to people in boating accidents and all other water emergencies.

During the dedication of "The Defender" Fire Chief Tony Delisle gave a demonstration showing water could be sprayed as far as 200 feet from the boat. The vessel has a top speed of 18 and 20 miles per hours, 2 200-gallon fuel tank for the main engine and two 70-gallon tanks for the pump engine.

The Emergency Medical Service of Horseshoe Bay, an exceptional organization, has successfully grown in number, experience, quality and qualification. Director Jerome Davis has expanded services to 12 medical technicians, 6 paramedics, a one-ton modular ambulance, a fire and EMS police boat, one van used for fire and specialized equipment and three certified drivers. Joyce Chaney and Margaret Rogers have recently completed their Texas Department of Health Certified Paramedics Course instructed by Mr. Davis. Tony Leming, Assistant Director of E.M.S. has been dedicated to the program for years. A true volunteer, the community applauds his dedication, a vocation without pay, recognition, and very little sleep. The Horseshoe Bay E.M.S. covers a radius of 450 square miles.

Brad Pullin has served as Director of Horseshoe Bay Golf Operations for the past eight years. Brad came to Horseshoe Bay as assistant pro to professional Bob Putt fro Lakeside Country Club in Houston on May 17,1982. He and wife Diane were married in 1972 and have two children, Troy 13 and Alisa 11.

Don Shytles, arriving in Horseshoe Bay with his parents for a golfing holiday in September of 1978, had just graduated from Stephen F. Austin College at Nacogdoches, Texas. While visiting with the club pro, Bob Putt, he was asked if he would be interested in helping him out as a cart boy. By 1980 he was moved inside to the pro shop, later the new Cap Rock course, and presently to Slick Rock where he is resident pro. Don and wife Heather have three children; Brandon 4, Lance 9 and 15 month Amber.

Horseshoe Bay Property Owner’s Association Services and Activities


Horseshoe Bay Assessment Association

Review and approve annual maintenance fees


Horseshoe Bay Memorial Association

Maintain mausoleum
Sale of Crypts and Niches


Horseshoe Bay POA

Activities Quail Point

First Friday
Men’s Card Group
July 4th
Bridge Group
Ladies Mah Jongg
Absentee Voting


Rental of Quail Point Lodge
Publish HSB Telephone Directory
Issue Construction Permits/Make Inspections
Sell Approved Yard Lights
Enforce Deed Restrictions
Handle Complaints


Ponds and Fountains
Quail Point
Street Signs
Litter Control RR 2147
Removal of Dead Animals

Weed/Brush Control

Cut Shoulders
Designated Lot Mowing
Clean Roads and Right-of-Ways

From time to time, the subject of maintenances fees are discussed and questions asked. Perhaps you will find the following information useful.

The seven member Board of Directors of the Horseshoe Bay Property Owners Association are also Directors of the Horseshoe Bay Assessment Association. The purpose of the Assessment Association is to set the amount of the maintenance fees. Assessments are increased or decreased, based upon the consumer price index issued annually by the U.S. Department of Labor. Collections are received by Horseshoe Bay Maintenance Fund, Inc. and distributed as follows:

Based on Maintenance Fund Assessments as of date of printing:


All Regular Lots or Units Percentage Amount
Golf course owner 47.3939 62.56
Property Owners Association 48.8182 64.44
Assessment Association 3.7879 5.00
Totals 100.00% $132.07
All Horseshoe Bay West Lots/Unit
Golf Course Owner


Property Owners Association 26.4629 91.26
Assessment Association 1.9341 6.67
Totals 100.00% $344.86
Improvements Complete Under Construction
Single Family Residences 580 11
Multi-Family Units 1100 0
Mobile Homes 49 0
Commercial Units 90 0
Motel Units 49 0
Irrigation Only Units 124 0
Out-of-District Units 82 0
Total Water Service Customers 2086
Total Sewer Service Customers 1787
Unimproved Lots on Standby 7707


Assessed Property Valuation

January 1, 1990 $385,523,851

Tax Rate, 1990 $.63 per $100 at 100%

Total Taxes Levied, 1990 $2,428,804.55

Number of Parcels 9619

Total Water Mains Installed 488,303 feet

Total Fire Hydrants Installed 496

Total Sewer Main Installed 293,177 feet

Water Treatment Capacity 2240 gpm

Water Storage Capacity 3,050,000 gallons

Water Service Pump Capacity 2950 gpm

Water Treated

Past 12 Months Average 22,777,083 gals/mo.

Wastewater Treatment Capacity 600,000 gals/day

Wastewater Treated

Past 12 Months Average 5,089,750 gals/mo.

In the process of being developed, "Martin Park", a memorial to Dave M. Martin, the late president of the Board of Directors for the Horseshoe Bay Municipal Utility District. Dedication was held September 12, 1991.

Located adjacent to the M.U.D. offices off Highway 2147, it is being designed to include a mile fitness trail, exercise station and picnic shelter with tables. The directors of the M.U.D. Board and staff of M.U.D. will be solely responsible for the development.

Present board members include: Janes Huie, Herb Hilburn, Pete Dysert, Paul Ashly, George Edgerton and Dale Johnson.

Located throughout the Slick Rock Golf Course to the Yacht Club with expansion plans under consideration, elegant ornate iron filigree cages house the exotic and most intelligent bird of the jungle parrot family…the Macaw. Flamboyant, brilliantly plumbed, these extremely costly species are from the private collection of Norman Hurd…a collection rarely seen outside of sizeable museums.

Each outside 10 foot high cage, weighing 1350 pounds, was designed by Norman and sculptured by Lewis Jackson and L.D. Jackson demanding 200 man-hours per cage to construct and designed to be lighted for night viewing. The Yacht Club outdoor cage in the pool area houses the "Blue and Gold" Macaw, "Green Wing", "Buffon", "Camelot", and Hyacinth", the "electors" a large stocky parrot with a short square tail, and round-tipped wing, is not as vibrantly plumed as the other above mentioned South American varieties, yet equally interesting. He is found in New Guinea, Australia, Indonesia, Bismark Archipelago and Solomon Island.

At the front desk, you will see cockatiel housed in an inside tree, and cockatoos at the main entrance, with glistening white plumage. Throughout the Yacht Club are beautifully designed in-door lighted cages housing lovebirds (front desk area) and finches (next to lounge area). A few are the "Gouldian Finch", the "Cutthroat Finch", "Red-Headed Gouldians" and "Zebra Finch". Many of the same varieties can be seen at the Cap Rock Pro Shop and Slick Rock Pro Shop.

There are three areas at Slick Rock where one may see the Macaws: at "Golfer’s Den" car parking area, near the waterfalls and near the front entrance to the pro shop, and soon, at the Ramrock Pro Shop.

Recently added, extremely unusual and melodious wind work chimes, the famous 3-tone "COR-TEN" wind-bells. Guaranteed to rust, in time a protective coating forms to stop further corrosion, giving each it’s own distinctive tone. Each grouping is composed of one super 24", one super 20", one super 16" and one large 12". Norman has used these wind-bells in his personal residence gardens for years and only recently were more made marketable, affording him the opportunity to place them in strategic points of interest throughout the resort area.

Like an impressionistic canvass, the sudden burst of color from bluebonnets, fill fields and highways…the season’s gift to Horseshoe Bay birthed 20 years ago on May 15, 1971.

With Horseshoe Bay’s superior amenities, astounding shoreline, dignity, elegance, quality, exceptional inhabitants and growth, it’s virtually impossible to visualize it’s once virginal state…silent, raw, wild and untamed, where the "whisk" of snakes blended with the buzz of bees to break the silence along isolated rocky paths.

Horseshoe Bay is justifiably proud it it’s three outstanding golf courses. Slick Rock with it 6,839-yard par 72, Ram Rock, 6,946-yard par 71 and Applerock, 6,999-yard par 72. All three statewide winners. Two received worldwide recognition and among the top ten in the United States. Equally popular, the tennis center, catering to an ever increasing enthusiastic group of participants.

The experience of being a part of Horseshoe Bay is a lifetime achievement…a bonus for those who sought the "Good Life" and found it. Property owners from 48 states, 7 Canadian provinces and 34 foreign countries make up the community…all made possible by your developers with sacrifices, dedication, disappointments, determination, horrendous investments and long hours of hard, hard work.

Horseshoe Bay…a combination of elegance, luxury, exotic beauty and casualness, without isolation, where folks are equally at ease in casual or formal attire…the termination of a search for a "second home site" in the Hill Country, that turned into a billions plus development.

Myth, legend and more than a few misquotes have stirred the imagination and curiosity of many. I would be remiss if I failed to answer that often asked question…"Mac, what is Norman R-E-A-L-L-Y like?

All man! Dedicated, family oriented, creative, extremely interesting "Gamble with Heart!"

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Copyright 2001 by IQ Consulting, Horseshoe Bay, Texas - All rights reserved.
Revised: April 17, 2010

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