Sweetwater Creek Homeowners Association

Key facts from Sweetwater Creek Homeowners Association's documents

Reflects the 2006 governing documents — figures and rules are as originally recorded and may have changed since.

Community type

Residential subdivision with common facilities, governed by a homeowners association (Recitals, Article I)

Governing law

Tennessee (not explicitly stated, but referred to as 'laws of the State of Tennessee') (Recitals, Notary acknowledgment)

Assessments & dues

Initial maximum annual assessment $200 per Lot (until January 1, 2007). Developer sets assessment for first 2 years. (Declaration Article IV, Section 4.3)

Special assessments

May be levied for capital improvements with assent of at least 3 Board members. (Declaration Article IV, Section 4.4)

Collections & liens

Unpaid assessments become a continuing lien on the Lot; Association may record notice of lien and foreclose by attachment and sale, or bring personal action. Lien subordinate to first mortgages for assessments due prior to foreclosure sale. (Declaration Article IV, Sections 4.1, 4.)

Reserves & fees

Interest at 10% per annum after 30 days delinquency, plus reasonable attorneys' fees and costs. (Declaration Article IV, Section 4.8)

Pets

Yes, dogs or cats as pets. (Article XVI)

Leasing & rentals

Not explicitly addressed in the provided text. (N/A)

Parking & vehicles

Not explicitly prohibited, but inoperable vehicles cannot be repeatedly parked on street; basketball goals not placed in street. (Article XI, Section 11.2(3); Article XI,)

Architectural approval

Yes, plans and specifications must be approved in writing by Sweetwater Creek Advisory Committee (3 members appointed by Developer) before building, placing, altering, or permitting to remain any building. Also for fences and walls. (Article X; Article XVIII)

Home business

Not explicitly restricted, but 'no business of any kind shall be conducted on any Lot'? Not found; only restrictions on signs (one sign for sale/rent) and no commercial livestock. Implied residential-only use, but not explicit. (Article XV (signs), Article XVI (livesto)

Setbacks / home size

Minimum living area square footage determined by Sweetwater Creek Advisory Committee on case-by-case basis; no fixed number. (Article XI, Section 11.1(2))

Maintenance

Not explicitly stated, but likely owner responsibility for dwelling. (N/A)

Insurance

Comprehensive general liability insurance on Common Area in amount of $1,000,000 per claim for bodily injury, death, property damage. (Article II, Section 2.6)

Use restrictions

Yes, single family dwellings only; no lot may have more than one single family dwelling. (Declaration Article IX)

Voting & meetings

Class A: one vote per Lot owned. Class B (Developer): two votes per Lot owned until Class B ceases (when Class A votes equal Class B votes or January 1, 2025, whichever earlier). Actions require two-thirds vote of each class. (Declaration Article II, Sections 2.2, 2.)

Amendments

During first 20-year period: amendment requires 90% of Lot Owners' signatures. Thereafter: 75% of Owners. Must be recorded. Also, as long as Class B exists, FHA/VA approval needed for annexation, dedication of Common Area, amendment of Decl (Article XXII, Sections 22.1, 22.2)

Extracted from the recorded governing documents and cited to them; may be incomplete and is not legal advice — verify against the official documents below.