Cottages on West Atlanta
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What Cottages on West Atlanta's governing documents say
Cottages on West Atlanta is a small condominium community in Wrightsville Beach, NC, with just two units (Unit A and Unit B) in a single three-story building. This document is the Declaration of Condominium that establishes the legal framework for owning a unit and sharing common elements. It applies to unit owners and governs use, maintenance, assessments, and insurance.
- What you own & maintain: You own your unit (interior surfaces of perimeter walls, ceiling, and floor) and a 50% undivided interest in common areas. The association maintains common elements (foundations, roof, exterior walls, yard, parking, utilities) and limited common areas (decks, driveways, garages assigned to your unit). You must keep your unit in good repair.
- Leasing & rentals: Rental of units is allowed for single-family residential purposes, subject to association rules. No time-share sales are permitted. The document does not specify a minimum lease term.
- Pets: The association may require removal of any pet that becomes a nuisance. No other pet restrictions are stated.
- Architectural review: No structural modifications or exterior changes (painting, antennas, signs) may be made without written board approval. No objects may be affixed to common or limited common areas (fences, plants) without approval.
- Parking & vehicles: Boats, trailers, motor homes, and similar vehicles may not be stored on the property except in designated areas.
- Assessments & fees: Each unit owner pays 50% of common expenses. Assessments are set annually by the board, payable quarterly unless otherwise determined. Delinquent assessments accrue interest and late fees, and create a lien on the unit.
- Insurance: The association carries master property and liability insurance (minimum $300,000 liability) on common elements and the building. Unit owners are insured for liability arising from common elements. Premiums are a common expense.
- What this document doesn't cover: This declaration does not specify maximum number of occupants, age restrictions, rental caps, or detailed pet policies (beyond nuisance removal). It also does not include the association's bylaws or rules and regulations, which may contain additional restrictions.
Key facts from Cottages on West Atlanta's documents
- Community type
- condominium (Title and Article I, page 1)
- Legal name
- Cottages on West Atlanta (A Condominium)
- Developer / declarant
- TFT & CO., INC.
- Governing law
- Chapter 47C of the North Carolina General Statutes (North Carolina Condominium Act) (Article I A, page 1)
- Assessments & dues
- Board proposes annual budget; membership approves at annual meeting (Article XI B, page 9)
- Special assessments
- Yes, Association may repair and assess owner for failure to maintain; also for deficiency after insurance (Article IX B and Article XV, pages 7, 15)
- Collections & liens
- Unpaid assessments become lien, enforceable by foreclosure; Association may bid at sale and acquire unit (Article XI H, I, pages 10-11)
- Reserves & fees
- Yes, capital improvement fund in separate account (Article XI C: 'reserve fund for replacem)
- Pets
- Yes, but Association may require removal if determined a nuisance (Article VIII E: 'require the Unit Owner )
- Leasing & rentals
- Yes, rental allowed pursuant to Association rules (Article VIII A: 'shall include the renta)
- Parking & vehicles
- No boats, trailers, motor homes or similar vehicles stored on property except as designated by Board (Article VIII D: 'No boats, trailers, mot)
- Fences
- No fences fixed to common/limited common without Board consent (Article VIII C: 'fix any object to the c)
- Architectural approval
- Written consent of Board required for structural modifications, exterior changes, and changes to common/limited common areas (Article VIII C: 'without first obtaining)
- Signs & flags
- No signs without written consent of Board (Article VIII C: 'installing television o)
- Maintenance
- Roof is common area (Article V 1: 'roofs' included in common )
- Insurance
- Board obtains insurance for property against fire, flood, wind, hail, and public liability (Article XIV A, page 12)
- Use restrictions
- Single family residential purposes (Article VIII A: 'used only for single fa)
About this HOA
Cottages on West Atlanta is a homeowners association in Wilmington, NC.
HOAproxy has 1 document on file for Cottages on West Atlanta: 1 CC&R. Last updated 2026-06-01.
Governing documents
- Declaration of Covenants (2003) · Bk 3850/Pg 935 (15 pages) — PDF