Spring Creek Estates

What Spring Creek Estates's governing documents say

Spring Creek Estates is a single-family home subdivision in Wilmington, NC, governed by a homeowners association (HOA) called The Reserve at Spring Creek HOA. This document is the full declaration of covenants, conditions, and restrictions (CC&Rs) that apply to all lot owners, residents, and their guests. It covers what you can build, how you must maintain your property, and the HOA's powers to assess fees and enforce rules.

• What you own & maintain: You own your lot and the house on it. You must maintain your dwelling, yard, and storm water improvements. The HOA maintains common areas (private streets, landscaping, drainage) and can enter your lot to fix problems if you don't, charging you the cost plus 15%.
• Architectural review: All exterior changes—buildings, fences, decks, paint colors, even tree removal—need prior written approval from the Architectural Control Committee (ACC). Houses must have at least 2,200 square feet of enclosed heated/cooled area (excluding garage, decks, porches). Vinyl siding is prohibited. The ACC has 10 days to approve or deny plans.
• Leasing & rentals: Leases must be for at least six months; no short-term or hotel-style rentals. You must lease the entire dwelling (no room rentals). The lease must state that the tenant must follow the HOA rules.
• Parking & vehicles: No parking on streets or common areas. No trucks over 3/4 ton, boats, or trailers except inside an enclosed garage. Inoperative or unregistered vehicles can be towed at owner's expense.
• Assessments & fees: All lots pay equal annual assessments (max $2,000 per lot during developer control). The HOA can increase assessments up to 20% per year without a vote; larger increases need 2/3 member approval. Special assessments for capital improvements also need 2/3 vote. A working capital fee of two months' estimated assessment is due at closing.
• Use restrictions: Lots are for single-family residential use only. No businesses, noxious activities, or anything that increases insurance rates. Signs are prohibited except as allowed by HOA rules. Garbage receptacles must be screened from view.
• Storm water & environmental rules: No more than 4,300 square feet of any lot may be covered by impervious surfaces (buildings, pavement, etc.), and the overall subdivision must stay under 25% built-upon area. Drainage swales cannot be altered without approval.

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.