Mill Creek Cove Homeowners Association, Inc.

What Mill Creek Cove Homeowners Association, Inc.'s governing documents say

Mill Creek Cove is a master-planned, single-family residential community in Supply, NC, governed by a homeowners association (HOA). This document is the Declaration of Covenants, Conditions, and Restrictions (CC&Rs) that applies to all homeowners, residents, and their guests. It establishes the HOA's authority, property rights, use restrictions, and assessment obligations.

• What you own & maintain: You own your individual lot and any structures on it (house, garage, etc.). The HOA maintains common areas (landscaping, roads, amenities) funded by assessments. Some neighborhoods may have additional maintenance responsibilities.
• Architectural review: All exterior changes (construction, fences, landscaping, paint, etc.) require prior written approval from the Architectural Review Board (ARB). Applications are deemed approved if not acted on within 50 days. Variances may be granted for hardship or aesthetics.
• Use restrictions: Units are for single-family occupancy only (related persons plus up to one unrelated, or up to two unrelated persons). No business, trade, or commercial activity is allowed unless it's home-based and not detectable from outside. No temporary structures, recreational vehicles, boats, or commercial vehicles may be kept on lots unless in a garage or approved storage area.
• Leasing & rentals: The document does not specify minimum lease terms or rental caps. Leases are subject to all HOA rules, and owners are responsible for their tenants' compliance.
• Assessments & fees: The HOA levies Base Assessments (common expenses), Neighborhood Assessments (for specific neighborhoods), Special Assessments (with 2/3 owner vote or board vote for compliance), and Benefitted Assessments (for services benefiting only certain units). Assessments are a lien on the property and may include interest, late charges, and attorney's fees.
• Insurance & casualty: The HOA carries blanket all-risk property insurance on common areas and liability insurance. Owners are responsible for insuring their own units and personal property. Party wall or shared driveway repair costs are shared equally among users.
• Pets & animals: No specific pet limits are stated, but all pets must comply with HOA rules. Dog runs and animal pens require ARB approval. No animals may be kept for commercial purposes.
• Parking & vehicles: Recreational vehicles, boats, and commercial vehicles are prohibited unless stored in a garage or approved by the Declarant. The Declarant may provide a separate storage area.

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.