The Cottages at Kure Beach
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
association language present (entity×47, governance×5)
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What The Cottages at Kure Beach's governing documents say
The Cottages at Kure Beach is a condominium community in Wilmington, NC, with 6 units across 3 buildings. This declaration governs unit owners, who own their units and share common elements maintained by the association. Key rules include residential-only use, no signs or flags, and a minimum 6-month lease term.
- What you own & maintain: You own the interior of your unit (finished surfaces, interior partitions). The association maintains common elements (land, roofs, foundations, yards, parking areas, beach access walkway). Limited common elements like decks, porches, patios, windows, and HVAC components are allocated to your unit; you maintain cleanliness and HVAC, but the association handles exterior maintenance and painting.
- Leasing & rentals: Leases must be for a term of at least six months. Short-term rentals are not allowed.
- Pets: No more than two domestic pets per unit.
- Parking & vehicles: Vehicles must be parked only in designated areas on the common elements. No parking or storage elsewhere.
- Signs & flags: No signs, flags, or banners may be displayed to public view from any unit or common element.
- Alterations & approvals: Structural alterations require prior written consent from the executive board. Non-structural alterations must be notified to the association and use materials similar to existing construction.
- Assessments & fees: Each unit owner pays a share of common expenses (percentage based on undivided interest, 16.66% per unit). Assessments are collected at least quarterly. Unpaid assessments become a lien on the unit.
- Insurance: The association carries property insurance on buildings and common elements (replacement cost, 90% coinsurance) and liability insurance (minimum $500,000 per person, $1,000,000 per occurrence). Unit owners should insure their own personal property.
Key facts from The Cottages at Kure Beach's documents
- Community type
- Condominium (Recitals and Article I, Section 7)
- Developer / declarant
- MBDI, LLC (Recitals and signature block)
- Governing law
- Chapter 47C of the North Carolina General Statutes (North Carolina Condominium Act) (Recitals and Article I, Section 1)
- Assessments & dues
- Each Owner contributes a percentage of allocated interest in Common Elements; due dates set by Executive Board; collected at least quarterly (Article X, Section 2 and Section 1 (allo)
- Collections & liens
- Unpaid assessment for 30+ days constitutes a lien on the Unit, enforceable under N.C.G.S. 47C-3-116 (Article VIII, Section 2 and Article X, S)
- Reserves & fees
- Common Surplus includes reserves (excess of receipts over Common Expenses), held by Association (Article X, Section 3)
- Architectural approval
- Yes – notification to Association required before alterations; materials and methods must be substantially similar; no work affecting structural soundness (Article IX, Section 6)
- Signs & flags
- No signs, flags or banners displayed to public view from any Unit or Common Elements, except Declarant's sales signs (Article VI, Sections 8 and 9)
- Insurance
- Insurance on Building and improvements at replacement value, all risks including fire and extended coverage, with standard condominium endorsement (Article XI, Section 1)
- Use restrictions
- Yes (Article VI, Section 1)
- Amendments
- Requires unanimous vote of Owners (by allocated interests) and consent of respective Mortgagees; certain changes require written approval of all Owners and Mortgagees; recorded in Register of Deeds (Article XIV)
About this HOA
The Cottages at Kure Beach is a homeowners association in Wilmington, NC.
HOAproxy has 1 document on file for The Cottages at Kure Beach: 1 CC&R. Last updated 2026-06-01.
Governing documents
- Declaration of Covenants (2006) · Bk 5030/Pg 1016 (15 pages) — PDF