North Topsail Landing

What North Topsail Landing's governing documents say

North Topsail Landing is a planned community in North Topsail Beach, NC, governed by a homeowners' association (HOA). This declaration establishes the rules for the development, use, and maintenance of lots and common areas, binding all owners and occupants. The community is still under development by the Declarant, who retains significant control until the Conversion Date.

• What you own & maintain: You own your lot and any improvements on it. The Association maintains the Common Areas (e.g., landscaping, streets, drainage, recreational areas) and may also maintain certain areas within lots outside building footprints. Owners are responsible for maintenance on their lots, and the Association can step in and charge the owner if they fail to maintain.
• Assessments & fees: All owners pay annual Regular Assessments to cover Common Expenses, set by the Board each year. The Board can also levy Special Purpose Assessments for unanticipated expenses and Special Member Assessments for damage caused by an owner or for owner maintenance failures. Assessments are due within 30 days of invoice; unpaid amounts accrue interest at up to 18% per year and can become a lien on the lot.
• Architectural review: No improvements (buildings, fences, landscaping, etc.) may be constructed or altered without prior written approval from the Development Review Board (DRB). The review process has three phases: Concept Plan, Preliminary Plans, and Final Plans. The DRB has broad discretion over design, materials, and aesthetics. Interior changes that don't affect the exterior do not require approval.
• Use restrictions: All uses must comply with applicable laws and zoning. The Association cannot prohibit uses that are legal and not specifically prohibited in the declaration. The declaration does not list specific prohibited uses (e.g., no mention of short-term rentals, home businesses, or parking), so those are not restricted by this document alone.
• Developer control: Until the Conversion Date (when the last lot is sold to an unaffiliated party or the Declarant voluntarily gives up control), the Declarant holds a Class B membership with 101% of the votes of all other owners, giving it effective control over the Association and DRB. After conversion, control passes to the owners.
• Insurance: The Association must carry liability insurance of at least $1,000,000 and property insurance on Common Areas. It may also purchase additional coverage. Owners should obtain their own insurance for their lots and improvements.
• What this document doesn't cover: This declaration does not specify any age restrictions, pet limits, leasing restrictions (minimum lease terms, caps on rentals), parking rules, or specific prohibited uses. Those may be addressed in separate Association rules or amendments.

Plain-language summary generated from the governing documents on file for this community. It may be incomplete and is not legal advice — read the full documents below or consult the official recorded versions.