Indian Gardens

What Indian Gardens's governing documents say

Indian Gardens is a standard single-family home (HOA) community in Phoenix, AZ, with 13 lots and shared common elements. This Declaration of Covenants, Conditions and Restrictions is the full rulebook for all homeowners, covering assessments, maintenance responsibilities, and strict architectural controls.

• Property ownership & maintenance: You own your lot and must maintain it in good condition, keeping exteriors neat and landscaping trimmed, free of trash or weeds. The association maintains the common elements (drainage, access, walls, signage) and may border landscaping if it chooses. If your negligence causes damage, you pay the cost.
• Assessments & fees: Each lot pays an equal share of common expenses. Regular assessments cannot increase more than 10% per year without a two-thirds vote of all members. Special assessments for capital improvements or to correct covenant breaches also require a two-thirds vote. Unpaid assessments accrue 18% annual interest and become a lien on your lot (subordinate to first mortgages).
• Architectural review & design guidelines: A Design Review Committee (3–5 members) must approve all plans for any improvements, including exterior changes, before construction. Design guidelines encourage English Tudor, Country French, Spanish Colonial, or Mission styles; prohibit Southern Colonial, Greek Revival, New England Salt Box, or California Redwood Ranch. Homes must be single-story (except Lot 7, which may be two stories), minimum 3,000 sq ft enclosed living area, max 4-car garage, materials block/brick/stucco, earth-tone colors, sloped roofs with clay/concrete tile/shake/slate, driveways concrete/tile/brick. Detached garages discouraged. No low walls between lots. RV storage discouraged and requires board approval. Solar units allowed with screening. Air conditioning units and antennas must not be visible from adjacent properties or roadways.
• Common elements & association maintenance: The association maintains the common elements (Tract A: drainage, ingress/egress, walls, signage) and carries casualty, liability, and fidelity insurance. Owners have a non-exclusive easement to use common elements, subject to rules and potential suspension for non-payment of assessments.
• Insurance: The association carries all-risk casualty insurance on common elements, $1 million minimum liability, workers' comp if needed, and fidelity bonds covering anyone handling association funds. Your own insurance must not diminish the association's policies. Insurance proceeds go to the association as trustee and are used for restoration or distributed if the common elements are sold after substantial destruction or condemnation.
• What this document doesn't cover: This is the full declaration and includes most typical HOA rules, but it does not address pet restrictions, leasing or rental limits, age restrictions, or specific parking rules beyond RV storage. Those may be covered in separate bylaws or rules and regulations.

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.