Villas by the Sea

What Villas by the Sea's governing documents say

Villas By The Sea is a townhome community in North Topsail Beach, NC, governed by a homeowners association. This document is a 2025 amendment to the master declaration, primarily updating maintenance responsibilities and insurance requirements for owners and the association.

• What you own & maintain: The association maintains the building shell (exterior walls, roof, decks, common areas) and certain structural components. Owners are responsible for interior finishes, appliances, HVAC, elevators, plumbing/electrical after the point of entry, deck flashing, and private boardwalks. A detailed chart in the amendment specifies each party's duties.
• Insurance: The association must carry property insurance on the building shell (100% replacement cost) and liability insurance (minimum $2 million per occurrence). Owners must carry their own property/flood insurance on interior items and liability coverage, and provide proof to the association annually. The association's insurance is primary for the building shell; owner's insurance is primary for their own property.
• Restoration after damage: If the building shell is damaged, the association must repair promptly unless 80% of owners vote not to rebuild. Owners must restore their own interior property; if they fail to do so within 30 days after notice, the association may step in and charge the owner as an assessment.
• What this document doesn't cover: This amendment does not address leasing restrictions, pet rules, age restrictions, parking, or architectural review. Those may be covered in the original master declaration or other 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.