The Pointe at Oib
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What The Pointe at Oib's governing documents say
The Pointe at Ocean Isle Beach is a planned residential development of single-family homesites in Bolivia, NC. This declaration of covenants, conditions, and restrictions (CC&Rs) governs the community and binds all owners, residents, and their guests. It establishes a homeowners association (HOA) that maintains common areas and enforces rules.
- What you own & maintain: You own your lot and dwelling; the HOA owns and maintains the common properties (e.g., roads, amenities). The HOA may also provide services like landscaping, security, and trash collection.
- Membership & voting: Each lot owner is a member of the HOA with one vote per lot. The developer (Declarant) has 15 votes per lot it owns until all lots are sold or it waives that right.
- Assessments & fees: Annual assessments start at $550 per lot, can increase up to 15% per year without member vote. A $300 annual rental assessment applies to owners who rent their dwelling. New buyers pay a one-time $500 reserve fee. Special assessments require 2/3 member approval.
- Leasing & rentals: Dwellings may be rented for a minimum of two consecutive days. Owners must pay a $300 annual rental assessment. Tenants must follow all rules.
- Architectural review: Any exterior changes (construction, landscaping, lighting, etc.) require written approval from the Declarant or Architectural Control Committee. Plans must be submitted; approval can be denied for any reason, including aesthetics. Minimum house size is 1,600 heated square feet.
- Use of common properties: Owners, residents, and guests may use common areas subject to HOA rules. The HOA can suspend use rights for rule violations (up to 60 days) or non-payment of assessments.
- Insurance: The HOA must carry property insurance on common areas (full replacement cost) and liability insurance (at least $2 million per occurrence). Owners should maintain their own insurance for their dwelling.
- Lien & foreclosure for unpaid assessments: Unpaid assessments become a lien on the property, which the HOA can foreclose. The lien is subordinate to first mortgages.
Key facts from The Pointe at Oib's documents
- Community type
- Planned Residential Development (Title: "PLANNED RESIDENTIAL DEVELOPMENT")
- Legal name
- The Pointe at Ocean Isle Beach Planned Residential Development
- Units / lots
- 44 (Phase One) plus Additional Property from Exhibit B may be annexed (Art VI Sec 5(d): "each of the forty-four)
- Governing law
- North Carolina General Statutes (foreclosure under Article 2A of Chapter 45) (Art IV Sec 8: "by power of sale pursuant)
- Special assessments
- Allowed for capital improvements, additions, etc.; must be approved by 2/3 of votes at meeting or mail referendum; amount same for each Lot; total annual special cannot exceed max annual except for emergencies (Art IV Sec 6)
- Collections & liens
- Lien recorded after default; may be foreclosed like deeds of trust (including power of sale under NC GS 45-Article 2A); subordinated to first mortgage; extinguished for pre-foreclosure assessments upon foreclosure sale (Art IV Sec 8, 9)
- Reserves & fees
- Established from Annual Assessments and Initial Purchaser Assessments for major repairs, replacements, etc. (Art IV Sec 7)
- Leasing & rentals
- Yes, Dwellings may be rented for a minimum of two consecutive days (Art IV Sec 5)
- Architectural approval
- Yes, written permission from Declarant or designee (Architectural Control Committee) required for specific activities (altering grade, construction, removing vegetation, outdoor lighting, solar panels, etc.) (Art VI Sec 2)
- Solar & roof
- Installation requires approval as alteration of exterior appearance (Art VI Sec 2(i))
- Home business
- Not explicitly addressed; likely prohibited by single-family residential use (Art I definitions of Dwelling and Lot)
- Setbacks / home size
- House minimum 1,600 square feet of enclosed heated dwelling area, excluding garages, decks, porches, etc. (Art VI Sec 5(c))
- Use restrictions
- Single-family dwellings required; Lot defined as site for a single-family dwelling (Art I Sec 14 (Dwelling), Sec 18 (Lot))
Community details for The Pointe at Oib
- Assessments & dues
- $660/year (estimated from 2 real-estate listings) (source)
About this HOA
The Pointe at Oib is a homeowners association in Oak Island, NC.
HOAproxy has 1 document on file for The Pointe at Oib: 1 CC&R. Last updated 2026-06-08.