The Cove at the Islands
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What The Cove at the Islands's governing documents say
The Cove at the Islands is a planned community of single-family homes in Gilbert, Arizona, governed by a homeowners association (The Cove Homeowners Association, Inc.) and also subject to the master declaration for The Islands. This declaration sets the rules for lot owners, covering property use, architectural control, assessments, and maintenance obligations.
- Single-family residential use: Each lot may contain only one private single-family residence; no home businesses, no use of garages or other structures as living quarters, and no short-term rentals beyond the lease restrictions referenced in the Tract Declaration.
- Architectural review: All exterior alterations, additions, or improvements require prior approval from an Architectural Committee, which may adopt rules and charge processing fees. The committee must act within a reasonable time.
- Assessments & fees: The association levies annual assessments and may impose special assessments for capital improvements or individual assessments for lot-specific issues. Assessments create a lien on the lot if unpaid, and voting rights and common area use can be suspended for nonpayment.
- Leasing & rentals: Leasing of a unit for private single-family residential use is permitted, but the owner must provide the tenant with copies of governing documents and obtain a receipt. Additional leasing restrictions are contained in the Tract Declaration (not fully included here).
- Vehicles & parking: Recreational vehicles (e.g., boats, trailers, motor homes) are prohibited unless they can be parked inside a garage. Pick-up trucks with camper shells and mini-motor homes are allowed only if garaged. No overnight parking of service vehicles on common areas.
- Party walls & maintenance: Party walls (shared walls between units) are governed by traditional property law principles; repair and maintenance costs are shared between adjoining owners. The association maintains common areas; owners maintain their lots and improvements.
Key facts from The Cove at the Islands's documents
- Community type
- Planned Community (Preamble (A PLANNED COMMUNITY))
- Units / lots
- 173 (Section 1.25 (Lots numbered 1 through 17)
- Developer / declarant
- V.L. Crow Development, Inc., an Arizona corporation (Preamble)
- Special assessments
- Requires approval of 2/3 of each class of Owners (Section 7.04)
- Collections & liens
- Assessment Lien created; Association may foreclose upon nonpayment (Article VII, Section 7.01 and Section 7.)
- Pets
- Yes, domestic dogs, cats, fish, and birds in cages (Section 4.11)
- Leasing & rentals
- Yes, for single family residential use, subject to all provisions (Section 4.01 (nothing herein shall be de)
- Parking & vehicles
- Restricted; all vehicles must be parked in designated garages or other designated parking areas (Section 4.14(b))
- Fences
- No fence facing lake area; for contiguous lots, last 10 feet of dividing wall nearest lake must be wrought iron (Section 4.10)
- Architectural approval
- Yes, for any exterior alteration, addition, or improvement visible from Neighboring Property, including landscaping (Section 4.08)
- Solar & roof
- Prohibited if visible from Neighboring Property without ARC approval (Section 4.07 (No solar collection device)
- Home business
- Prohibited (Section 4.01 (No gainful occupation, tra)
- Signs & flags
- Prohibited except legal proceedings, job identification signs (max 4 sq ft each), house numbers, and Board-approved signs (Section 4.18)
- Insurance
- Association shall obtain property insurance on Common Area and liability insurance (Section 11.01 and 11.02)
- Use restrictions
- Single family private residential use only (Section 4.01)
- Voting & meetings
- Class A (all Owners except Declarant) have one vote per Lot; Class B (Declarant) has multiple votes until conditions met (Section 6.03)
- Amendments
- Requires approval of 2/3 of each class of Owners (Article XIX (TERM AND AMENDMENT) – not f)
Collections & enforcement records
Public records show 13 enforcement filings by this association between 1996 and 2000.
Source: Maricopa County Recorder and Maricopa County Superior Court public indexes.
About this HOA
The Cove at the Islands is a homeowners association in Gilbert, AZ.
HOAproxy has 1 document on file for The Cove at the Islands: 1 recorded document. Last updated 2026-07-24.