What You Should Know About HOA Covenants
What You Should Know About HOA Covenants
By Allen Deaver, Asset Realty
If you're buying a home in a neighborhood with a homeowners association (HOA), one of the most important things you’ll need to understand is the HOA’s covenants, conditions, and restrictions—commonly known as CC&Rs. These covenants are legally binding rules that govern what you can and can’t do with your property. Whether you’re a first-time homebuyer or a seasoned homeowner, here’s what you should know before signing on the dotted line.
What Are HOA Covenants?
HOA covenants are rules established by the homeowners association to maintain the appearance, value, and function of a neighborhood or community. These rules are part of the legal documents you agree to when purchasing a home in an HOA-managed area. They are enforced to keep the neighborhood uniform, orderly, and desirable.
Common Types of HOA Covenants
Not all HOAs are created equal, but here are some typical rules you might see in CC&Rs:
Exterior Home Changes: Want to paint your house a new color or install solar panels? Many HOAs require approval for changes to your home’s exterior.
Landscaping Standards: From lawn maintenance to tree trimming, some HOAs have specific requirements for how your yard should look.
Parking Restrictions: Some communities limit where you can park, especially for RVs, boats, or work vehicles.
Fencing and Additions: Installing a new fence, shed, or pool? You may need permission or be limited by height and location restrictions.
Pet Rules: There may be restrictions on the number, size, or breed of pets allowed in the neighborhood.
Rental Rules: Some HOAs have policies on whether or how you can rent out your property, including short-term rentals like Airbnb.
Why HOA Covenants Matter
HOA covenants can protect property values by ensuring that the neighborhood remains well-kept and consistent. However, they can also feel restrictive if you’re not aware of them ahead of time. Violations can lead to fines, forced removal of unapproved structures, or even legal action.
What You Should Do Before Buying
Get a Copy of the CC&Rs: Request the full set of HOA documents before closing on a home.
Read Carefully: Pay special attention to rules that could affect your lifestyle or future plans for the property.
Ask Questions: If anything is unclear, talk to the HOA board or your real estate agent.
Budget for Dues: HOA fees vary by neighborhood and can affect your monthly housing budget.
Final Thoughts About HOA Covenants
HOA covenants aren’t inherently bad—they help protect the integrity of a neighborhood—but they’re not for everyone. Knowing the rules before you buy can save you a lot of stress down the road.
If you're considering a home in a community with an HOA and want help reviewing the fine print, give me a call. I’m Allen Deaver with Asset Realty, and I’m here to help you make informed decisions in today’s real estate market.
