Summerlyn Homeowners Association Inc
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What Summerlyn Homeowners Association Inc's governing documents say
This is a mortgage document (a Deed of Trust) for a home equity line of credit on a property in a planned unit development (PUD) called The Groves at Summerlyn, part of the Summerlyn community in Clayton, NC. It is not a community rulebook; it is a lender's security instrument that binds the property owners (Timotheus and Stacy Crider) to the lender, Freedom Mortgage Corporation. It includes a PUD rider that requires the owners to pay all HOA dues and assessments and to maintain hazard insurance unless the HOA's master policy covers it.
- What this document is: This is a Deed of Trust securing a home equity line of credit (HELOC) up to $25,247.50, not a set of community rules. It is a legal agreement between the borrowers and the lender, recorded in Johnston County, NC.
- HOA dues & assessments: The borrowers must pay all dues and assessments imposed by the PUD's governing documents. If they fail to pay, the lender may pay them and add the amount to the loan balance.
- Insurance requirements: The borrowers must maintain hazard insurance on the property, but if the HOA maintains a master policy that covers the property, the lender waives the requirement for separate insurance and the monthly escrow for it.
- What this document doesn't cover: This document does not contain any community rules about pets, leasing, parking, age restrictions, or architectural review. It only addresses the lender's rights and the borrowers' obligations regarding the mortgage.
Key facts from Summerlyn Homeowners Association Inc's documents
- Community type
- Planned Unit Development (PUD) (Planned Unit Development Rider)
- Governing law
- North Carolina General Statutes, Article 9 of Chapter 45 (equity line of credit) (First page)
- Collections & liens
- Lender may pay PUD dues and assessments if borrower fails, and such amounts become additional debt secured by the deed of trust. (PUD Rider, paragraph C)
- Insurance
- Owners Association may maintain a master or blanket policy insuring property in the PUD, including improvements, against fire, extended coverage, and flood as required by lender. (PUD Rider, paragraph A)
About this HOA
Summerlyn Homeowners Association Inc is a homeowners association in Clayton, NC.
HOAproxy has 1 document on file for Summerlyn Homeowners Association Inc: 1 recorded document. Last updated 2026-06-14.
Governing documents
- DOC820S247 (14 pages) — PDF