Southwood Place Townhomes Association
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What Southwood Place Townhomes Association's governing documents say
This is a mortgage deed of trust for a single-family home at 10 Southwood Drive in Smithfield, NC — not a community rulebook. It's a financing document that binds the borrower (homeowner) to the lender, not a set of HOA or condo rules. If you're a prospective buyer or renter, this document tells you about the mortgage terms, not about living in a community.
- What this document is: It's a standard North Carolina mortgage/deed of trust securing a $86,734 loan on a single-family property, dated January 28, 2014. It's not a declaration of covenants, conditions, and restrictions (CC&Rs) or an HOA rulebook.
- Who it binds: It binds the borrower (Elizabeth Ann Allen) to the lender (PrimeLending) and the trustee. It does not create community rules for residents or owners beyond the property itself.
- Occupancy requirement: The borrower must occupy the property as their principal residence within 60 days of signing and continue for at least one year, unless the lender agrees otherwise.
- Property maintenance: The borrower must maintain the property to prevent deterioration and must not damage or impair it. The lender can inspect the property with reasonable notice.
- Transfer restrictions: Selling or transferring the property without the lender's consent can trigger a 'due-on-sale' clause, requiring full repayment of the loan.
- What this document doesn't cover: It doesn't include any HOA or community association rules — no pet limits, lease restrictions, architectural guidelines, or common area rules. Those would be in a separate declaration or CC&Rs, which are not provided here.
Key facts from Southwood Place Townhomes Association's documents
- Community type
- Planned Unit Development (Townhomes) (PUD Rider, page 12: 'planned unit develo)
- Units / lots
- Lot 10 (specific lot; total not stated) (Exhibit A: 'All of Lot 10 as shown on pl)
- Insurance
- Owners Association maintains master/blanket policy insuring the Property against fire, extended coverage, earthquakes, floods, and other hazards required by Lender (PUD Rider, page 12-13: 'Owners Associati)
- Amendments
- Borrower shall not consent to any amendment to Constituent Documents if the provision is for the express benefit of Lender without Lender's prior written consent (PUD Rider, page 14: 'any amendment to an)
About this HOA
Southwood Place Townhomes Association is a homeowners association in Smithfield, NC.
HOAproxy has 1 document on file for Southwood Place Townhomes Association: 1 recorded document. Last updated 2026-06-14.
Governing documents
- DOC344S1162 (15 pages) — PDF