← HOA answers

Anderson Lake Estates

What the recorded documents actually say about Anderson Lake Estates in Granger — fences, sheds, pools, pets, parking and the rest — with the part of the document each answer comes from.

7 homes have sold here in the last four years, which is why this neighborhood was compiled early.

Before you rely on this page

CHECK WHICH SECTION YOUR LOT IS IN. The covenants read here name the association for Sections III and IV of Anderson Lake Estates, and earlier sections may have been recorded separately. Note also that a neighbouring subdivision called ANDERSON ESTATES exists with its own 1988 covenants and different rules - the two are easy to confuse and the documents attached to listings here sometimes mix them up. Lake lots carry one difference worth knowing: the six-foot privacy fence allowed around an open porch elsewhere in the subdivision is expressly NOT available on a lake lot. This developer used the same covenant template at Felicity Gardens in Mishawaka, with one meaningful divergence - Felicity lets a camper or boat sit on the driveway, and this one does not.

What you can build and change

Conditional

Fences

Every fence design goes to the developer or the committee in writing before it is installed. Along the front lot line the only perimeter fencing permitted is split rail, two rails high and no more than four feet. A privacy fence up to six feet is allowed around an open porch next to the house, matching the architectural standard set by the style of the house - but NOT on a lake lot, which is excluded from the privacy-fence allowance altogether. A pet shelter has to be fenced as the pets paragraph requires. On a corner lot nothing between two and six feet above the roadway may block the sight triangle.

Paragraph 12 - Fencing, with Paragraph 13
Conditional

Sheds & outbuildings

One detached building per house, for lawn tools, toys, pool equipment or other personal property, plus one pet shelter. Each must be quality construction, kept attractive and neat, and blend with the house, and approval comes from the architectural control committee before anything is built. The committee can require protective screening around it. No trailer, basement, tent, shack, garage, detached building or temporary structure may be moved onto or built on a lot to live in.

Paragraphs 11 and 16 - Detached Buildings, Prohibited Structures
✗ Not allowed

RVs, boats & trailers

Commercial and recreational vehicles may not be kept in the open areas of the addition - trucks, campers, trailers, snowmobiles and boats are the examples the covenant gives. Note this differs from the same developer's Felicity Gardens, which expressly lets one sit on the driveway or parking pad; here there is no such carve-out.

Paragraph 18 - Recreational and Commercial Vehicles
Conditional

Swimming pools & hot tubs

Above-ground pools may not be placed on any lot. A tennis court is allowed only if it is screened by dense shrubbery at least five feet high, so the court surface cannot be seen from outside the lot lines. A detached building for pool equipment is permitted with the committee's approval.

Paragraph 14 - Tennis Courts and Pools
Conditional

Exterior changes & additions

A lot carries one single-family house, one attached private garage, and the detached buildings the covenant allows - anything else needs the architectural control committee's unanimous written approval. Minimum floor area is 1,800 square feet for a ranch and 2,000 for a two-storey, except on lots 78 through 91 where it rises to 2,000 and 2,400. Exterior siding is limited to the materials the covenant names, beginning with aluminum and vinyl, and architectural control applies to every structure. A decorative street light on a timer goes on each lot that has a house on it. Lots may not be subdivided for any purpose whatsoever.

Paragraphs 2, 3, 7 and 10 - Lot Division, Land Use, Dwelling Size, Decorative Lighting
✗ Not allowed

Satellite dishes & antennas

A blanket ban as written: no outside above-ground television, AM, FM or short-wave radio antenna of any type, satellite dish antennas expressly included, may be put up or kept on any lot or structure. All utility service including cable runs underground and out of sight, and street and lot lighting sits on posts with no visible lines. Federal rules on over-the-air reception devices limit how far a private covenant can restrict a dish of one meter or less on property in your own exclusive use and control, so ask the association rather than assuming the ban binds as written.

Paragraph 15 - Utilities and Television Antennas
Not stated

Solar panels

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Conditional

Landscaping, trees & gardens

The utility and drainage easements on a lot, and everything in them, are maintained by the lot owner, except for improvements a public authority or utility company is responsible for. The RETENTION easements are the association's job unless a public authority takes them on. Nothing may be planted or placed inside an easement that would damage or interfere with the utilities. On a corner lot nothing between two and six feet above the roadway may block the sight triangle, and a tree there has to be trimmed up high enough to keep the sight line clear.

Paragraph 5 - Easements, with Paragraph 13
Not stated

Mailboxes

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →

How you can live here

Conditional

Pets

Dogs, cats and other domestic pets are allowed, as long as none is kept, bred or maintained commercially and none becomes a nuisance or hazard. An outdoor animal has to be housed in a suitable shelter on a CONCRETE PAD, surrounded by chain link or other appropriate fencing tall enough to contain it - a specific requirement most covenants leave out. Livestock and poultry may not be kept.

Paragraph 24 - Livestock and Poultry
Not stated

Renting your home

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Not stated

Basketball hoops

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Conditional

Yard signs

One sign of no more than five square feet advertising the lot for sale or rent, plus a builder's sign of up to twenty-five square feet during the construction and sales period.

Paragraph 20 - Signs
Conditional

Street parking

Driveways have to be at least ten feet wide, asphalt at least three inches thick or concrete at least four inches. Stone and cinder driveways are not permitted. A circular drive in front of the house may be as narrow as eight feet. A parking pad is allowed only if it touches the driveway and is built of the same material - so a gravel pad beside a concrete drive is out.

Paragraph 9 - Driveways and Parking Pads
Conditional

Running a business from home

A home occupation is allowed if it is carried on entirely inside the house and stays clearly secondary to living there, with no sign or display visible from outside, no product or commodity sold on the lot, and nobody employed from outside the immediate family.

Paragraph 19 - Home Occupations
Not stated

Short-term rentals (Airbnb)

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
✗ Not allowed

Vehicle repair in the driveway

No lot may be used as a dumping ground for junk - and the covenant says expressly that junk includes non-operable vehicles.

Paragraph 22 - Garbage and Refuse Disposal
Conditional

Trash & recycling containers

No lot is used as a dumping ground for junk, trash, garbage or other waste. Trash and garbage go in sanitary containers, and any incinerator or storage equipment is kept clean and sanitary. Oil and fuel storage tanks go underground or inside the house, the garage or the basement - and within six months of natural gas service reaching a lot, the owner has to REMOVE the fuel tank and hook up to the gas.

Paragraphs 17 and 22 - Fuel Storage Tanks, Garbage and Refuse Disposal
Conditional

Grilling & outdoor cooking

No fire may be allowed to burn on any street or roadway in the addition. A fire on your own lot is not addressed.

Paragraph 23 - Fires
Not stated

Clotheslines

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Not stated

Flags & flagpoles

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Not stated

Window coverings & decorations

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →

Where these answers come from

The documentProtective Covenants, Conditions and Restrictions for Anderson Lake Estates, St. Joseph County, Indiana
Recorded asProtective Covenants recorded as instrument 9424855
Developer: Chaang Huei Luan and Sarah Luan
The association is named in the document for Sections III and IV of the addition
How it was readThe recorded copy on file is a scan of paper with no digital text, so it was read by optical character recognition. That can misread individual words, which is why nothing on this page is presented as a direct quote.
Checked againstthree other documents attached to listings in this neighborhood were DROPPED before this page was written: two scans of the 1988 declaration for ANDERSON ESTATES Subdivision Section One, a different neighbouring subdivision recorded by different declarants, and a real-estate marketing flyer. Only the Anderson Lake Estates covenants were read
The associationAnderson Lake Estates Homeowner's Association, created by the covenants for the management and financial support of the street lighting, the retention areas, and the park and common areas in the addition. The association also maintains the retention easements themselves - including the parts that sit on private lots - unless a public authority or utility company takes that on. The developer, the committee, the association and any lot owner can all enforce the covenants, and an owner who loses an enforcement action pays the reasonable attorney fees. There is no forfeiture of title for a violation. Ask the association for the current assessment.

Ask us about Anderson Lake Estates

Tell us the question and we will get you the answer from the recorded documents.

We’ll get you an answer — usually the same day.