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What Nationwide's governing documents say
Live Oak Cove is a single-family home subdivision in Sneads Ferry, NC, governed by a homeowners' association (HOA). These documents are an amendment and a full declaration of covenants, conditions, and restrictions (CC&Rs) that apply to all lot owners, residents, and guests. The HOA maintains common elements like roads, a dock, and stormwater facilities, funded by annual assessments.
- What you own & maintain: You own your lot and the house on it. The HOA owns and maintains common elements such as private roads, the dock, boat ramp, and stormwater ponds. You must maintain your own lot and keep it neat.
- Architectural review: All exterior construction, additions, painting, fences, and landscaping changes must be approved in writing by the Architectural Review Committee (ARC) before starting. The ARC has 45 days to respond and can deny based on aesthetics. Minimum house size is 1,300 heated square feet for lots 1–18.
- Leasing & rentals: Leases must be for at least six months. All leases must be in writing and include a clause requiring tenants to follow HOA rules. Short-term or transient rentals are strictly prohibited.
- Parking & vehicles: Each lot must have off-street parking for at least two cars. Boats, campers, trailers, and inoperable vehicles cannot be parked on streets or lots without HOA approval. Vehicle repairs are not allowed in driveways or streets.
- Pets & animals: Only dogs, cats, or other household pets are allowed, and they must be leashed and not become a nuisance. Livestock, poultry, and commercial breeding are prohibited.
- Stormwater & built-upon area limits: Each lot has a maximum built-upon area (structures, pavement, etc.) of 3,600 square feet for lots 1–18, as required by a state stormwater permit. Exceeding this requires a permit modification. Ditches and swales cannot be filled or piped.
- Assessments & fees: Annual assessments start at $300 per lot (set by the developer) and can be increased up to 20% without member vote. A $200 working capital fee is due at closing. Special assessments require a majority vote. Unpaid assessments become a lien on the property.
- Signs & temporary structures: No signs (including 'For Sale' signs) are allowed on lots or common areas except by the developer. Temporary structures like tents, trailers, or modular homes are not permitted as residences.
Key facts from Nationwide's documents
- Community type
- Covenant / Planned Community
- Legal name
- Live Oak Cove Subdivision
- Units / lots
- At least 18 lots (Lots 1-18) and one 1.14-acre parcel; Declarant owns 8 lots (at time of amendment). (DOC 150097 built-upon table; DOC 150097 )
- Developer / declarant
- Nationwide Investments, Inc. (DOC 150195 preamble)
- Governing law
- North Carolina Planned Community Act (Chapter 47F of the North Carolina General Statutes) (Article 1, recital in DOC 150195 (p.1))
- Assessments & dues
- Initial $300.00 per year per lot; $200.00 per year for boat slip license holders who are not lot owners. (DOC 150195 Article V Section 3 (p.11–12))
- Special assessments
- May be levied for capital improvements (majority of members voting at meeting) or to comply with third-party service contracts. (DOC 150195 Article V Section 4 (p.11–12))
- Collections & liens
- Lien may be filed after 30 days delinquency; enforceable like a mortgage under §45-23A. Provides priority over later liens; extinguishment after 3 years if no enforcement action; foreclosure includes costs and attorney’s fees. (DOC 150195 Article V Section 10 (p.13–14)
- Reserves & fees
- Association may establish and collect late fees for delinquent installments. (DOC 150195 Article V Section 9 (p.12–13))
- Pets
- Yes – dogs, cats, or other household pets permitted (not for commercial purposes). (DOC 150195 Article VII Section 3F (p.21))
- Leasing & rentals
- Leases permitted but must be in writing, minimum term six months; transient rentals strictly prohibited; lessee must agree to comply with declaration and rules. (DOC 150195 Article VII Section 3K (p.22))
- Parking & vehicles
- Off-street parking for at least 2 passenger automobiles per lot required prior to occupancy; driveways and parking areas must be constructed of approved materials (concrete, brick, asphalt, turf stone, etc.). (DOC 150195 Article VII Section 2D (p.18))
- Fences
- Fences permitted with prior approval of design, placement, and materials by ARC. (DOC 150195 Article VII Section 2C (p.18))
- Architectural approval
- Yes – plans and specifications for any structure, exterior addition, or alteration (including painting) must be submitted to Architectural Review Committee for approval. (DOC 150195 Article VII Section 1 (p.17–1)
- Setbacks / home size
- Must comply with Onslow County setback requirements; ARC may allow deviations if strict compliance creates hardship due to topography or septic approvals. (DOC 150195 Article VII Section 2B (p.18–)
- Insurance
- Deductibles are common expenses; Association may levy an Insurance Assessment to cover them. (DOC 150195 Article V Section 5 (p.12))
- Use restrictions
- Lots may only be used for single-family residential purposes (one dwelling per lot, plus detached garage and approved accessory buildings). Declarant may develop annexed parcels as multifamily residential. (DOC 150195 Article VII Section 3A (p.20))
- Voting & meetings
- Class A (owners): 1 vote per lot/boat slip license; Class B (Declarant): 10 votes per lot/boat slip owned. (DOC 150195 Article III Section 4(A) and )
About this HOA
Nationwide is a homeowners association in Sneads Ferry, NC.
HOAproxy has 2 documents on file for Nationwide: 2 CC&Rs. Last updated 2026-06-20.