Fern Bluff
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What Fern Bluff's governing documents say
Fern Bluff is a single-family home subdivision in Wilmington, NC, governed by a homeowners' association (HOA). This declaration of covenants and restrictions applies to all lot owners and sets rules for land use, architectural standards, assessments, and shared amenities like boat facilities.
- What you own & maintain: You own your lot and the single-family home on it. You must maintain your lawn, landscaping, and any sprinkler system installed by the developer. The HOA maintains common areas, including roads, easements, and boat facilities.
- Architectural review: All exterior changes require approval from the Architectural Control Committee (initially the developer, later elected owners). Minimum heated area is 1,600 sq ft, roof pitch must be at least 9/12, and certain siding materials (e.g., aluminum, T-111) are prohibited. Construction must be completed within 12 months.
- Use restrictions: Lots are for single-family residential use only. No businesses, daycare, or multifamily structures. No temporary structures as residences. No more than two dogs per dwelling; pets must not create a nuisance. No chain-link fences, clotheslines, or junk vehicles. Satellite dishes under 18" are allowed if not visible from Trails End Road.
- Assessments & fees: Annual assessments are set by the board and may vary for vacant vs. improved lots. Special assessments require 3/4 member vote. A working capital assessment equal to two months' dues is due at purchase. Assessments are a lien on the lot if unpaid after 30 days.
- Boat facilities: Boat slips on Lot 4 are assigned to Lots 3 and 4 (Slip #4 to Lot #4, Slip #3 to Lot #3). All lot owners have access to boat facilities on Lot 3. Maintenance costs for the Lot 4 pier/dock are shared by Lots 3 and 4 only.
- Leasing & rentals: The document does not address leasing or rental restrictions.
- Parking & vehicles: Each lot must provide off-street parking for at least two cars, with driveways and parking areas made of approved materials (concrete, asphalt, gravel, etc.). No junk or inoperable vehicles allowed; the HOA may tow them at owner expense.
- What this document doesn't cover: This document does not specify rules about leasing, rental caps, age restrictions, or pet limits beyond two dogs. It also does not detail HOA dues amounts or specific insurance requirements.
Key facts from Fern Bluff's documents
- Community type
- Covenant / Planned Community
- Units / lots
- 4 (Lots 1, 2, 3, 4) with potential for additional properties (Article I, Section 16: Lot OR LOTS. shal)
- Developer / declarant
- Fern Bluff, LLC
- Assessments & dues
- Fixed from year to year by the Board of Directors; not a fixed amount. (Article V, Section 3: Annual assessments)
- Special assessments
- Yes, for capital improvements with 3/4 vote of members in person or by proxy. Also special assessment against a Lot for damage caused by that Owner or their guests. (Article V, Sections 4 and 5)
- Collections & liens
- Lien filed 30 days after unpaid assessment; power of sale under power of sale (Article 2A of Chapter 45). Lien prior except first mortgages/taxes. Extinguished if enforcement not instituted within 3 years of docketing. Personal obligation d (Article V, Sections 10 and 11)
- Reserves & fees
- Association may establish and collect late fees for delinquent installments. (Article V, Section 10: The Association m)
- Pets
- Yes, non-violent domestic dogs, cats, and other household pets, not for commercial purposes, not in numbers creating a nuisance. (Article VII, Section 2D: non-violent dom)
- Fences
- Fences permitted only with ARC approval of design, placement, and materials. No chain link fences. No fences on drainage/access easements without ARC written consent. (Article VII, Section 1G and Section 2J)
- Architectural approval
- Yes, for all building and site improvements, including house plans, exterior materials, changes affecting exterior appearance, fences, accessory buildings, and any structures. (Article VII, Section 1 (A, B, G, M): App)
- Signs & flags
- Only 'for rent' or 'for sale' signs of standard size, and Declarant's signs while it owns Lots. No other signs without Executive Board permission. (Article VII, Section 2G)
- Setbacks / home size
- Minimum 1600 square feet of enclosed heated area (excluding terraces, decks, open porches, garage level living space, shed-type porches). (Article VII, Section 1A: minimum 1600 sq)
- Voting & meetings
- Each Owner of a Lot has one vote per Lot; during Declarant Control Period, Declarant has five votes per Lot owned. When multiple owners hold a Lot, they determine one vote among themselves. (Article III, Section 2)
Related associations
Overlaps: Masonboro Bluffs
Nearby (within 500 m): Pelican Point Estates · Masonborough Plantation · Mason Knoll Condominiums · Sound View Subdivision · Cliffside Subdivision · Purviance · Whiskey Creek · Windchase Subdivision · Windchase North · Tanglewood · New Jack Landing
About this HOA
Fern Bluff is a homeowners association in Wilmington, NC.
HOAproxy has 1 document on file for Fern Bluff: 1 CC&R. Last updated 2026-06-01.