Loan Oak
TypeHOA
Homeowners association — you own your lot and home; the association maintains common areas and enforces covenants.
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What Loan Oak's governing documents say
Lone Oak is a single-family residential HOA community in Keene, TX. This Declaration of Covenants, Conditions, and Restrictions (CC&Rs) establishes the rules, the homeowners’ association, and an architectural control committee. All lots must be used for private single-family residential purposes only.
- Single-family residential use: Lots are for private single-family residences only. Home-based businesses are allowed only if they comply with strict conditions (no outside signs, no extra traffic, no employees who are not residents).
- Leasing & rentals: Rentals are permitted but only for a minimum term of six months. All leases must be in writing, and the owner must provide the restrictions to the tenant and notify the association within 10 days of the lease.
- Pets: No more than three cats and dogs total per lot. Only domestic household pets are allowed; exotic animals (e.g., pigs, ferrets, monkeys) are prohibited. Pets must be leashed outside fenced yards, and waste must be disposed of.
- Architectural review: All exterior improvements, including construction, modifications, fences, sheds, and antennas, require prior written approval from the Architectural Control Committee (ACC). Design guidelines may be adopted but are not required.
- Parking & vehicles: Vehicles should be parked in garages or driveways. On-street parking is for guests only. No inoperable vehicles, boats, trailers, or recreational vehicles may be visible on lots. Mobile homes and RVs cannot be used as residences or parked long-term.
- Signs & flags: Most signs require ACC approval. Exceptions: one temporary For Sale sign (max 5 sq ft, removed within 2 days of sale), school/youth signs (max 36"x42"), and candidate signs (only during election periods). For Lease/Rent signs are prohibited. Flags: US, Texas, armed forces, or college flags on a 5-ft flagpole affixed to the home are allowed without approval; freestanding flagpoles up to 20 ft require approval.
- Assessments & PID: The association levies regular and special assessments on each lot. The property is also within a Public Improvement District (PID), so owners pay separate PID assessments for infrastructure like landscaping, trails, and amenities.
- Maximum number of lots: The maximum number of lots in the community is 1,800, but Declarant may change this during the Development Period.
Key facts from Loan Oak's documents
- Community type
- Single-family residential subdivision with homeowners association (Article 1 - Association definition; Arti)
- Units / lots
- Maximum Number of Lots: one thousand eight hundred (1,800) (Article 1 - Maximum Number of Lots defin)
- Developer / declarant
- GRBK EDGEWOOD LLC (Texas limited liability company) and CENTURY LAND HOLDINGS OF TEXAS, LLC (Colorado limited liability company) (Page 1 (opening paragraph); Article 1 - )
- Governing law
- Texas Local Government Code, Texas Election Code, Chapter 372, Texas Government Code (Article 1 - Applicable Law definition; S)
- Assessments & dues
- By the Board (regular assessments) (Section 6.3)
- Special assessments
- Permitted (Section 6.4) (Section 6.4 Special Assessments)
- Collections & liens
- Assessment Lien and Foreclosure (Section 6.10) (Section 6.10 Assessment Lien and Foreclo)
- Reserves & fees
- Late Charge (Section 6.8) (Section 6.8 Late Charge)
- Pets
- Only domestic household pets (non-traditional pets prohibited: pot-bellied pigs, miniature horses, chickens, lizards, ferrets, monkeys, exotic animals) (Section 2.11)
- Leasing & rentals
- Yes, for residential purposes; all leases must be in writing (Section 2.5)
- Parking & vehicles
- Limited to guests and visitors; must not obstruct traffic, nuisance, or block emergency access (Section 2.25)
- Fences
- No fence nearer to street than 10 feet behind front elevation. No chain-link, metal, cloth or agricultural fences (except by Declarant). Wood fences: max 6' height, spruce, board-to-board, stained medium brown. Lots backing to open space/Co (Section 3.2)
- Architectural approval
- Yes, Architectural Control Committee (ACC) approval required for all Improvements, unless prosecuted by Declarant (Section 3.1; Article 7)
- Solar & roof
- Solar Energy Devices allowed with ACC approval; location on roof or within fenced area/patio; roof-mounted must not extend above roofline, conform to roof slope, top edge parallel; frame/brackets/piping must be silver, bronze, or black. ACC (Section 3.8)
- Home business
- Permitted with conditions: complies with Applicable Law; no employees other than residents; not visible/detectable; no door-to-door solicitation; no excess traffic; consistent with residential character; no machinery beyond customary househ (Section 2.4)
- Signs & flags
- No sign without ACC approval, except: school/youth signs (max 2, 36"x42", 5' height); one temporary 'For Sale' sign (max 5 sq ft, 4' height, removed 2 business days after sale/lease); political signs (90 days before election, removed 10 day (Section 2.18)
- Setbacks / home size
- Must comply with minimum building setback lines on Plat or Applicable Law; ACC may impose additional setbacks (Section 3.7)
- Maintenance
- Owner responsible for maintenance of Lot and improvements (Section 2.14); Association responsible for Common Area (Article 4.13). Street landscape area initially Owner's responsibility unless assumed by Association/City (Section 2.15). (Sections 2.14, 2.15, 4.13)
- Insurance
- Association may obtain insurance (Article 5). No specific coverage details in extracted text. (Article 5 (table of contents); Section 4)
- Use restrictions
- Lots shall be used solely for private single family residential purposes (Section 2.4)
- Voting & meetings
- Described in Section 4.4 (Article 4.4 Voting Rights (table of cont)
- Amendments
- Section 9.2 Amendment. Not extracted in detail but referenced in table of contents. (Section 9.2)
About this HOA
Loan Oak is a homeowners association in Keene, TX.
HOAproxy has 1 document on file for Loan Oak: 1 CC&R. Last updated 2026-06-10.