Downing Creek
ProfileHOA
association language present (entity×41, governance×5)
Proxy votingNot in documents
We didn't find proxy provisions in the governing documents on file. This usually means the bylaws haven't been uploaded yet.
Documents
Proxy voting
Real HOA decisions get made by proxy, before the meeting ever happens.
Ask a chatbot about the governing documents
Help unlock answers for this community
HOAproxy makes communities' governing documents searchable in plain English.
We don't have the CC&Rs, bylaws, or rules for this HOA yet — so there's nothing to ask about right now. If you have them, adding them takes a minute and lets this assistant answer questions for every neighbor who looks up this HOA next.
Location
Add documents
Have the CC&Rs, bylaws, or rules for this community? Upload them and we'll make them searchable for your neighbors.
Max 25 MB per file.
Edit HOA details
Add or correct the website and location for this HOA.
What Downing Creek's governing documents say
Downing Creek is a single-family home HOA in Wilmington, NC. This declaration governs Phases I and IA, covering lots 1–26. It sets rules for homeowners, including architectural controls, use restrictions, and mandatory HOA assessments.
- What you own & maintain: You own your lot and single-family dwelling. The HOA maintains common areas, stormwater drainage, and utility easements. You must maintain your lot and buildings; the HOA can enter for repairs and charge you if damage is your fault.
- Architectural review: All exterior changes (houses, fences, landscaping) need written approval from the Declarant or an Architectural Control Committee. Houses must be at least 1,800 sq ft enclosed, no closer than 10 ft to property lines, and completed within 12 months. Only one single-family dwelling (max 2 stories) plus accessory buildings allowed.
- Assessments & fees: Annual assessments are set by the Board, can increase up to 5% per year without a vote, and initially capped at $900 per lot. Special assessments for capital improvements require 2/3 member vote. Assessments are a lien on your property; unpaid amounts accrue interest and can be foreclosed.
- Use restrictions: Lots are for single-family residential use only. No noxious activities, temporary structures, or recreational vehicles (boats, campers, trailers) without written consent. No inoperable or unregistered vehicles, no tractor-trailers. Pets allowed but must be leashed and not for commercial purposes.
- Leasing & rentals: The document does not address leasing or rental restrictions. No minimum lease term or rental caps are mentioned.
- Parking & vehicles: Off-street parking for at least 2 cars must be provided before occupancy. No recreational vehicles, inoperable vehicles, or tractor-trailers on lots or streets without HOA consent.
- Utilities & services: Water must come from Cape Fear Utilities; no private wells for household use. Sewer is via New Hanover County. All lots must use these services. Street lighting may be contracted with Carolina Power & Light, with costs passed to homeowners.
- What this document doesn't cover: This declaration does not specify age restrictions, rental limits, pet limits (beyond leashing), or any amenities like pools or clubhouses. It is a foundational document for Phases I and IA; later phases may have different rules.
Key facts from Downing Creek's documents
- Community type
- Covenant / Planned Community
- Legal name
- Downing Creek HOA, Inc.
- Developer / declarant
- Saffo Turner Corporation (First lines of Declaration)
- Assessments & dues
- Fixed by Board of Directors; maximum $900 per lot. (Article VII, Section 3(C))
- Special assessments
- May be levied for capital improvements with assent of two-thirds of members voting in person or by proxy at a meeting duly called. (Article VII, Section 4)
- Collections & liens
- Assessments are a continuing lien on the property and also personal obligation of owner. Association may bring action at law or foreclose the lien. Lien subordinate to first mortgage; foreclosure extinguishes prior due assessments. (Article VII, Sections 1, 10, 11)
- Pets
- Dogs, cats or other household pets may be kept, not for commercial purposes, and must be properly leashed at all times. (Article IX, Section 6)
- Architectural approval
- Approval or disapproval within 30 days after submission; if no action within 30 days, approval deemed given. (Article VIII, Section 2)
- Setbacks / home size
- Minimum 1800 square feet of enclosed dwelling area (excluding garage, terraces, decks, open porches, shed porches). (Article VIII, Section 3(A))
- Maintenance
- Association maintains and repairs planting easement areas, stormwater drainage system, and all utility/drainage lines not constructed by lot owners within their lots. Owners are responsible for their lots and must prevent unsightly conditio (Article VIII, Section 4)
- Insurance
- Association shall keep property of the Association insured against loss by fire, other hazards, and public liability insurance as reasonably necessary. (Article VII, Section 5)
- Voting & meetings
- One vote per lot. When more than one owner, vote exercised as they determine but only one vote per lot. (Article V, Section 2)
About this HOA
Downing Creek is a homeowners association in Wilmington, NC.
HOAproxy has 1 document on file for Downing Creek: 1 CC&R. Last updated 2026-06-01.