Stillwater Creek Homeowners Association, Inc

What Stillwater Creek Homeowners Association, Inc's governing documents say

This is a mortgage deed of trust, not a community rulebook. It is a legal agreement between a borrower and Navy Federal Credit Union for a $30,000 second mortgage on a single-family home in Stillwater Creek Subdivision. It does not describe the HOA's rules or covenants.

• What this document is: A deed of trust recorded in Johnston County, NC, securing a $30,000 loan on Lot 8 of Stillwater Creek Subdivision (223 Blackwater Ct, Princeton, NC). It is a financing document, not a set of community rules.
• Who it binds: It binds the borrower (Joseph Paul Jopek) and the lender (Navy Federal Credit Union), and any successors or assigns. It does not bind homeowners generally or create community-wide obligations.
• Loan terms: The loan is for $30,000, with monthly payments of principal and interest, due in full by February 1, 2031. The borrower must pay taxes, insurance, and any HOA assessments that have priority over this mortgage.
• Property maintenance: The borrower must keep the property in good repair and comply with any condominium or planned unit development declarations, bylaws, and regulations if applicable. This is a standard mortgage covenant, not a community rule.
• What this document doesn't cover: It does not contain the Stillwater Creek HOA's actual rules, such as architectural guidelines, pet restrictions, or lease terms. Those would be in a separate declaration of covenants, conditions, and restrictions (CC&Rs).

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.