Lucky Fish Subdivision
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What Lucky Fish Subdivision's governing documents say
Lucky Fish Subdivision is a single-family home HOA in Wilmington, NC, with 7 lots and a community boating facility on Pages Creek. The HOA maintains common areas, including private streets and the boat dock, funded by assessments shared equally per lot.
- What you own & maintain: You own your lot and the dwelling on it, and are responsible for its maintenance, including storm water improvements. The HOA maintains common areas (private streets, landscaping, the boating facility).
- Assessments & fees: Annual assessments start at a max of $2,000 per lot during developer control, can increase up to 20% per year without a vote, and more only with 2/3 member vote. A working capital fee equal to two months' estimated assessment is due at purchase. Special assessments for capital improvements require 2/3 member vote.
- Architectural review: All exterior improvements (buildings, fences, decks, landscaping) require prior written approval from the Architectural Control Committee. Minimum house size is 2,500 sq ft of enclosed dwelling area. The ACC has 10 days to approve or deny plans.
- Leasing & rentals: Leases must be for at least 6 months, cannot be for transient or hotel purposes, and must be in writing. The lease must state it is subject to the HOA's governing documents.
- Parking & vehicles: Off-street parking must be provided on each lot. No trucks over 3/4 ton, boats, or trailers may be parked on streets or common areas, and must be stored in an enclosed garage.
- Community boating facility: The HOA owns and maintains a boating facility with three 6'x40' floating docks and four boat lifts. Each lot owner gets one assigned boat slip. No commercial use, no sewage discharge, and no boats over specified lengths (left blank in document).
- Use restrictions: Lots are for single-family residential use only. No business, trade, or profession is allowed, though the HOA may permit home occupations consistent with the development. No signs, no nuisances, and no activities that increase insurance rates.
Key facts from Lucky Fish Subdivision's documents
- Community type
- Covenant / Planned Community
- Developer / declarant
- GCW Properties, LLC and Pages Creek Properties, LLC, North Carolina Limited Liability Companies (Preamble (page 1))
- Governing law
- Chapter 47F of the North Carolina General Statutes (the 'Act') (Preamble (page 1))
- Assessments & dues
- Maximum annual assessment until end of Declarant Control: $2,000.00 per Lot (Article V, Section 3(a) (page 6))
- Special assessments
- May be levied for capital improvements with assent of 2/3 of votes of Members voting in person or by proxy at a meeting with 30-60 day notice (Article V, Section 4 (page 7))
- Collections & liens
- Assessments are a continuing lien on the lot; Association may foreclose lien; lien subordinate to first mortgage; sale extinguishes prior due assessments (Article V, Sections 1, 9, 10 (pages 5, 7)
- Reserves & fees
- Association may establish and collect late fees for delinquent installments (Article V, Section 9 (page 8))
- Leasing & rentals
- Yes, but entire dwelling only; no leasing less than entire dwelling; minimum lease term of 6 months; no transient or hotel purposes (Article X, Section 6 (page 13))
- Architectural approval
- Yes, for site and grading plans, building plans, exterior colors and finishes, construction schedule; all improvements and structures require prior written ACC approval (Article VII, Sections 6, 7(a) (pages 9-1)
- Setbacks / home size
- Minimum 2500 square feet of enclosed dwelling area (not including garages, terraces, decks, open porches, etc.) (Article VII, Section 7(h) (page 10))
- Maintenance
- Owner: maintenance of lot, dwelling, storm water management improvements on lot; Association: Common Areas including boating facility, private streets, bulkheads, landscaping, etc. (Article VI, Section 1 (page 8); Article )
- Insurance
- Association shall keep Common Areas and other assets insured against fire, other hazards, public liability, directors' liability (Article II, Section 1(b) (page 4); Artic)
- Voting & meetings
- Class A: one vote per Lot owned by Owners (non-Declarant); Class B: Declarant has two votes for each Class A vote until Declarant no longer owns any land or voluntary surrender (Article III, Section 3 (pages 5-6))
Related associations
Nearby (within 500 m): Pages Creek · Misty Harbour · Middle Sound · Arjean Subdivision · Pointe Santa Maria · Deep Creek Run · Loblolly Landing
About this HOA
Lucky Fish Subdivision is a homeowners association in Wilmington, NC.
HOAproxy has 1 document on file for Lucky Fish Subdivision: 1 CC&R. Last updated 2026-06-01.