Bear Creek Subdivision (FL)

Freeport, FL
TypeHOA
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Key facts from Bear Creek Subdivision (FL)'s documents

Reflects the 2023 governing documents — figures and rules are as originally recorded and may have changed since.

Community type
Bear Creek Subdivision (Title and Section 1.17)
Developer / declarant
JMB FREEPORT, LLC, a Florida limited liability company, as successor to THREE OAKS, LLC (Preamble)
Assessments & dues
Initially $2,400 per year per Lot (Section 5.3)
Special assessments
Board may impose special assessments at a meeting called for that purpose; must be proportional to annual assessments (except specific assessments for individual Owner's negligence). (Section 5.6)
Collections & liens
Assessments are a continuing lien on the Lot; Association may foreclose lien or bring action at law. (Section 5.1, 5.9)
Reserves & fees
Association may establish reserves for working capital, contingencies, Common Area expenditures, capital improvements, etc. Declarant has no obligation to contribute to reserves until election to pay assessments on unsold Lots. (Section 5.5)
Pets
Pets may be kept if they do not cause disturbance or annoyance. (Section 7.6)
Leasing & rentals
Yes, subject to rules and regulations. (Section 7.2)
Parking & vehicles
Not allowed; vehicles may be towed. (Section 7.5)
Fences
Construction of privacy walls, fences, gates requires prior approval. (Section 6.4(a))
Architectural approval
Yes, for all construction or modification (except interior alterations not affecting external appearance). Design Review Board approval required. (Section 6.4(a))
Solar & roof
Installation of solar panels subject to Design Review Board approval. (Section 6.4(a))
Home business
Home occupations allowed if conform to Walton County ordinances, Design Code, and Association rules. (Section 7.1(a))
Signs & flags
No signs except small signs as specified in Design Code. Declarant may erect signs during development. Association may place signs on Common Areas. Political signs and advertisements prohibited. Only US or Florida state flags allowed. (Section 7.8)
Maintenance
Owner (implied as part of structure maintenance) but not explicitly assigned. (Section 2.2)
Insurance
Association may purchase liability, fidelity bonds, casualty (replacement cost), directors' liability insurance. (Section 8.1)
Use restrictions
Residential Lots limited to residential purposes and home occupations (conforming to county ordinances, Design Code, and rules). One primary residence per Lot; ancillary apartment allowed. (Section 7.1(a))
Voting & meetings
Two classes: Class A (all Owners except Declarant) – one vote per Lot owned; Class B (Declarant) – five votes per Lot owned or planned. Co-owners: one aggregate vote per Lot. (Section 4.2, 4.3)
Amendments
By 75% of voting interests (by written instrument, recorded). Declarant may amend without consent while Class B member to conform to legal requirements, clarify, correct errors, or make changes not diminishing substantive rights of owners. (Section 13.13)
Amenities
Recreational facilities consisting of sport courts and clubhouse (leased from Declarant). Monthly lease payment $65 per lot per month. (Section 13.3)

Extracted from the recorded governing documents and cited to them; may be incomplete and is not legal advice — verify against the official documents below.

About this HOA

Bear Creek Subdivision (FL) is a homeowners association in Freeport, FL.

HOAproxy has 1 document on file for Bear Creek Subdivision (FL): 1 CC&R. Last updated 2026-06-17.

Governing documents

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