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Bayridge

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

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

Before you rely on this page

These answers come from the Declaration of Covenants and Restrictions of Bayridge, Section 1, made on March 18, 1988 by Bayridge Corporation. The name on the document matches this neighborhood exactly.

Read this part before you rely on the page. The copy of the Declaration in the file here is not a recorded copy. It carries no recorder stamp and no instrument number, and on its final page the signature lines for the developer's president and secretary and for the notary are all blank, with the day of the month left blank as well. What that copy almost certainly is, is an office copy of the text as drafted. Two separate copies of the Association's By-Laws in the same file, one from 1988 and an amendment from 2011, both state that this Declaration was executed on March 18, 1988 and recorded on June 1, 1988 with the Elkhart County Recorder, and both incorporate it by reference. So there is good reason to believe the text below is the governing text. There is no substitute, though, for ordering the recorded instrument from the Elkhart County Recorder or asking your title company for it, and for a purchase you should do that.

Which lots this covers. Section 1 covers Homesites numbered 1 through 18 and Villasites numbered 19 through 66 and 74. That distinction matters more here than in most neighborhoods: Villasites get Association lawn care, irrigation, exterior painting and snow removal and pay a separate maintenance assessment for it, Homesites get none of that, and the minimum house size differs across four separate lot groups. The Declaration also defines Villasite as any lot numbered 19 through 118, which is a larger range than Section 1 actually covers, so there are very likely later sections of Bayridge. No declaration for any later section is in the documents available here. If the lot you care about is numbered above 66, other than 74, check whether a different declaration governs it before relying on anything on this page.

Nothing in these documents amends the use restrictions. The newest item in the file is a 2011 amendment to the Association's By-Laws, which governs how the Association runs itself and changes none of the rules below. The Declaration can be amended by owners of 75 percent of the Homesites, and the board can adopt its own rules and regulations by majority vote, so there may be current rules that are not in the recorded covenants. Ask the Association for its current rules and regulations as well as the covenants.

The copy read here is a scan of paper read by optical character recognition, and parts of it scanned poorly. Where a passage was unreadable it was checked against the page images and against a typed copy of the same declaration kept by the Association, and one clause was transcribed by eye from the page image for that reason.

What you can build and change

Conditional

Fences

Perimeter fencing is barred unless the Architectural Control Committee approves it in advance. The clause is broad about what counts: hedges and other growing fences, chain link, split rail, and then any other kind of fence. It is written about perimeter fencing specifically, so a short garden or decorative fence that does not enclose the lot is not squarely addressed either way, and the Committee is the body to ask. No height, material or setback is fixed in the document itself.

No perimeter fencing of any type, including but not limited to, hedges and other “growing fences”, chain link fences, split rail fences or any other kinds of fences are permitted on a Homesite or Villasite, except as may be approved in advance by the Committee.
✗ Not allowed

Sheds & outbuildings

This is one of the stricter sheds clauses in the county, and it is worth reading closely before you buy. The paragraph is headed Temporary Structures, but its words run further than the heading: no structure of a temporary character, trailer, basement, tent, shack, garage, barn, tool shed, storage shed, or other outbuilding of any type or nature may be used on a lot at any time, either temporarily or permanently. A tool shed and a storage shed are both named, and the words at any time and permanently leave little room for a seasonal one. No approval route is offered for a shed, which is notable because the very next sentence does offer one for awnings. If storage is part of why you are buying, treat this as a question to settle with the Association in writing first, and remember that every home here is required to have an attached garage for at least two cars.

No structure of a temporary character, trailer, basement, tent, shack, garage, barn, tool shed, storage shed or other outbuilding of any type or nature shall be used on any Homesite or Villasite at any time, either temporarily or permanently.
Not stated

RVs, boats & trailers

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

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Conditional

Swimming pools & hot tubs

Above ground pools are not permitted, and neither are tennis courts. Any other swimming pool may be built only after prior written approval from the Architectural Control Committee. The document sets no size, depth, fencing or placement standard of its own, so what gets approved is at the Committee's discretion. Changing or adding a pool is also caught by the separate exterior-change rule, which names swimming pools directly.

No tennis courts or above ground pools shall be permitted. Other swimming pools may be constructed only ‘ after prior written approval from the Committee.
Conditional

Exterior changes & additions

Nothing may be built, placed or altered on a lot, and the natural topography or drainage may not be changed, until the Architectural Control Committee approves the construction plans. A second clause covers an existing home: an owner may not paint, decorate or make any permanent change to the exterior that varies it from the approved plans without prior written approval, and changing sidewalks or driveways, paint color, roof color, adding to the home, or installing a swimming pool all need that approval first. Plans must show floor plan, quality of construction, materials, outside colors, harmony with existing structures, location against lot lines, topography and finish grade, and landscaping detail; two complete sets go in and one comes back. The Committee's decision is described as entirely within its discretion. If you are adding or replacing a driveway, the document also fixes the specification: no stone or cinder, asphalt or concrete only, at least 12 feet wide, asphalt at least 3 inches thick or concrete at least 4 inches, and a circular drive at least 8 feet wide. An awning is named separately and also needs Committee approval. Note that the Committee as originally constituted was appointed by the developer and its authority was written to expire 15 years after the plat was recorded, so ask the Association who reviews plans today.

No building or other structure shall be erected, constructed, placed, maintained or altered on any Homesite or Villasite, nor shall the natural topography or drainage of any Homesite or Villasite be altered until the construction plans for the structure or for the topographical alterations have been approved by the Committee.
Conditional

Satellite dishes & antennas

An outside above-ground television, AM, FM or short-wave radio antenna, or a TV satellite dish of any type, may not be put up on any lot or structure without the prior written consent of the Association. Unlike many covenants of this era the document sets no size limit, such as an 18-inch cap, so the whole question is consent rather than dimensions. Separately, all utility service including electric, gas, telephone and cable television has to run underground and not be visible, and street and lot lighting sits on posts with no visible lines. If a dish matters to you, ask the Association how it handles these requests now.

No outside above-ground television, A.M., E.M,, short wave radio antennas, or TV satellite dish of any type shall be erected or maintained on any lots or structures in the Property without prior written consent of the Association.
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.

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Conditional

Landscaping, trees & gardens

Landscaping works differently depending on which kind of lot you buy, and the difference is large. On a Villasite the Association maintains the landscaping and lawn on its own schedule, operates and maintains the irrigation system, decides how often it runs and supplies the water for it; the owner may plant only in accordance with a landscaping plan the Committee has approved. The owner still pays for any tree on the Villasite with a trunk 3 inches or more across, and if the Association gives written notice to remove or maintain a tree and nothing happens within 60 days, it may do the work and bill the owner. On a Homesite the owner may plant and maintain flowers, trees, shrubbery and other plant material freely, so long as it does not alter the topography or impede the lot's drainage, and the owner maintains it at their own expense. Homesites numbered 4 through 11 are the exception: nothing may be planted or installed behind the home except under a landscape plan approved by the Committee, and that plan governs development of the riverbanks and adjacent land, including plantings, paths, seawalls and piers. Every lot must also be planted with grass seed, sod or ground cover within 120 days of the home being completed or occupied, whichever comes first.

The Association shall maintain the landscaping and lawn of each Villasite on a scheduled basis as determined by the Association. Owners may plant, install or maintain any flowers, trees, shrubbery or other plant materials on a Villasite only in accordance with a landscaping plan approved by the Committee (Landscaping Plan).
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.

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How you can live here

Conditional

Pets

This is the most detailed pet clause you will see in this county, and it has a breed ban in it, so read it before you buy if you own a dog. Dogs, cats and other household pets are permitted; animals, livestock and poultry are otherwise prohibited. Three conditions attach to the pets exception, and the middle one is stricter than most covenants nearby: the pet may not be kept, bred or maintained for any commercial purpose; it may not be housed or kept outside the dwelling; and it may not be permitted to become a neighborhood nuisance or hazard in any manner. Read plainly, an outdoor kennel, run or doghouse is not contemplated by that wording. Pets must be on a leash whenever they are beyond the owner's property lines. No dog or other pet trained for territorial protection or attack, or vicious in nature, may be kept, and the document defines a vicious animal as one that has bitten another animal or a person in an unprovoked attack or has shown other vicious tendencies. Then it goes further: no dog commonly known as a pit bull is allowed in the development, and for this purpose a pit bull is defined as an animal with a lineage of one-fourth or more of American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier, Bull Terrier or Staffordshire Terrier. The document sets no limit on the number of pets and no weight limit. How a 1988 breed restriction is enforced today, and how it interacts with assistance animals, is a question for the Association and, if it matters to your purchase, for your own attorney.

No animals, livestock or poultry of any kind shall be raised, bred or kept on ay Homesite or Villasite except that dogs, cats, or other household pets may be kept, provided that they are not kept, bred or maintained for any commercial purposes and are not housed or kept outside of the Dwelling Unit and are not permitted to become a neighborhood nuisance or hazard in any mamner. _ All pets must be kept on a leash when beyond the Owner’s property lines. No resident or owner may harbor a dog or other household pet which is trained for territorial protection, and/or attack purposes or which is’ vicious in nature. A vicious animal in defined as an animal that has bitten another animal or human being in an unprovoked attack or exhibited other vicious tendencies. Further, no dogs commonly known as pit bulls will be allowed in this development. For purposes of these covenants, a pit bull is an animal with a lineage of one-fourth or more of any of the following breeds: American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier, Bull Terrier or Staffordshire Terrier.
Conditional

Renting your home

No lease of a dwelling may be entered into without the Association's prior approval, and no lease may run longer than one year. The document says nothing about what the Association weighs, how long it has to answer, or whether approval may be withheld, so if renting the home out is part of the plan, get the Association's process and its current position in writing before you commit.

No lease of any Dwelling Units may be entered into without the prior approval of the Association and no such lease may have a duration of more than one year.
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.

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Conditional

Yard signs

One sign of no more than 5 square feet advertising the property for sale or rent is permitted. A builder may use a sign of any dimension during the construction and sales period, and the developer reserved the right to put up whatever signs it wanted to promote lot and home sales. Everything else displayed to public view on a lot falls outside those exceptions as the clause is written, so political, contractor, security and yard-event signs have no exception in this document.

No sign of any kind shall be displayed to the public view on any Homesite or Villasite except one sign of not more that five (5) square feet advertising the property for sale or rent, or a sign of any dimension used by builder to advertise during the construction and sales period.
Not stated

Street parking

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

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Conditional

Running a business from home

A home business is allowed here, which is less common than you might expect, but the definition is narrow and worth reading in full. A lot may be used only as a single-family residence, except for a home occupation, which the document defines as a use conducted entirely within the dwelling, carried on solely by a member of the immediate family living there, clearly incidental and secondary to living there, and not changing the character of the home. Five conditions go with it: no sign or display visible from outside indicating any non-residential use; no commodity sold on the lot; nobody employed other than an immediate family member living there; no mechanical or electrical equipment used; and no violation of any statute, law or ordinance, including the Elkhart County zoning ordinance. The document then names uses that may not be treated as a home occupation at all: a barber shop, styling salon, beauty parlor, tea room, fortune-telling parlor, animal hospital, or any form of animal care or treatment such as dog trimming. A quiet laptop-and-phone business fits the definition comfortably; anything with customers arriving, stock on hand, an employee, or equipment does not.

any use conducted entirely within the Dwelling Unit and participated in solely by a member of the immediate family residing in said residence, which use is clearly incidental and secondary to the use of the Dwelling Unit for dwelling purposes and does not change the character thereof and in connection with which there is: (i) no sign or display that will indicate from the exterior that the building is being utilized in whole or in part for any purpose other than that of a Dwelling Unit; (ii) no commodity sold upon the Homesite or Villasite; Gii) no person employed other than a member of the immediate family residing on the Homesite or Villasite; (iv) no mechanical or electrical equipment used
Conditional

Short-term rentals (Airbnb)

The document never uses the words short-term, nightly or vacation rental; it was recorded in 1988. What it has is a lease rule covering leases generally: no lease of a dwelling may be entered into without the Association's prior approval, and no lease may run longer than one year. The restriction is on leasing at all rather than on any minimum stay, so on its face it reaches a short booking as much as a long tenancy, and the one-year limit is a ceiling rather than a floor. An association usually settles this by policy rather than by the recorded text, so ask in writing before counting on rental income.

No lease of any Dwelling Units may be entered into without the prior approval of the Association and no such lease may have a duration of more than one year.
Not stated

Vehicle repair in the driveway

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

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Conditional

Trash & recycling containers

No lot may be used or maintained as a dumping ground for rubbish. Trash, garbage and other waste may be kept only in sanitary containers, and all incinerators or other equipment for storing or disposing of such material must be kept in clean and sanitary condition. The document does not say where containers are stored between collections, does not name a collection day, and does not require screening, so those are Association questions.

No Homesite or Villasite shall be used or maintained as a dumping ground for rubbish.
Not stated

Grilling & outdoor cooking

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

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✗ Not allowed

Clotheslines

Hanging laundry outside is not permitted. The clause bars hanging laundry, rugs or other items outside the dwelling, and it sits in the same sentence that requires Architectural Control Committee approval for an awning. No exception is written for a retractable line, a drying rack or a screened porch, and the document never uses the word clothesline, so an owner who wants to dry outside should take it to the Association rather than read an exception into the wording.

No awnings shall be permitted without Architectural Control Committee approval and no hanging of laundry, rugs, or other items outside the Dwelling Unit is permitted.
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.

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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 documentDeclaration of Covenants and Restrictions of BAYRIDGE, Section 1, made March 18, 1988 by Bayridge Corporation
Recorded asDeclaration of Covenants and Restrictions of Bayridge, Section 1, March 18, 1988 (this instrument; the By-Laws recite it was recorded June 1, 1988)
Plat of Bayridge, recorded January 7, 1988 in Plat Book 17, page 67, as Document Number 88 000 300
How it was readThe copy on file is a scan of paper with no digital text, so it was read by optical character recognition, and several pages scanned badly. Those passages were read by eye off the page images instead, and checked against a typed copy of the same declaration that the Association keeps. The signature page was read by eye as well, which is how the missing signatures and the missing recorder stamp were found.
The associationBayridge Association, Inc., an Indiana not-for-profit corporation, is the association. Membership is automatic and runs with the deed: you become a member when your deed is recorded and stop being one when you sell. Each lot carries one vote, however many people own it, and the developer controlled the board until a turnover date that the document defines as the earliest of a recorded turnover of control, the developer no longer owning any lot, or December 31, 2002. That date has long passed, so the association today is owner-controlled and elects its board annually. What it maintains. The Association maintains the Common Areas, which the document describes as including easement areas, natural areas, the bay and dock areas, tennis courts, nature areas, boating facilities, planted buffers and walkways. It is given a specific duty to administer the Natural, Common and Bay areas. The Nature Area is protected, and that is a real constraint on the water. Development of the Nature Area has to follow the excavation permit the developer obtained from the Indiana Department of Natural Resources, and no recreational or boating development, which the document says expressly includes building piers and seawalls, may happen anywhere other than the areas that permit designates. The balance of the Nature Area is to stay in its present state and, in the document's words, always remain undeveloped. The Nature Area is defined by elevation, as the part of the Common Area below 751 feet above sea level lying west of the west line of Lot 11. Improved, non-paved pathways through it, possibly with boardwalks in seasonally wet spots, are to be provided and maintained for all owners. If you are counting on putting in a pier or a seawall, this is the provision to take to the Association and to the DNR before you buy, not after. Boat slips and docks, which matter here. The document states plainly that there are more owners than boat slips and docks, and it puts the board in charge of allocating slip and dock space and of setting and collecting the fees for using it. Those fees go into a separate Bay Area Maintenance Fund, which also covers periodic dredging of the bay. So a slip is not something that automatically comes with a lot. If water access is part of why you are buying, ask the Association in writing whether a slip is available for the specific lot, what it costs, and whether there is a waiting list. Villasites are maintained; Homesites are not. Lots 19 through 66 and 74 are Villasites, and for those the Association paints exterior surfaces that were originally painted, cleans eaves troughs, gutters and window wells, makes minor repairs it approves, removes snow from sidewalks and driveways, and maintains the lawn, landscaping and irrigation system. It expressly does not maintain the water supply line, the heating or air conditioning, the windows beyond painting, the sewer lines, or cracking concrete or asphalt; those stay with the owner, along with siding, roof, plumbing fixtures, driveways, sidewalks and exterior lighting. Lots 1 through 18 are Homesites and get none of that service. This split is the single most important thing to confirm about any lot here, because it changes both what you pay and what you are responsible for. Assessments. The Declaration fixes no dollar amount. Instead it sets up three charges: a Regular Assessment, the same for every Homesite and Villasite whether or not a home is built on it; a Villasite Owners Maintenance Assessment, charged only to Villasites with a home on them and listed lot by lot, covering the exterior service above; and a Special Assessment, which the board may levy in equal amounts on every lot for unusual or unanticipated expenses, by board resolution and without a vote of the owners. The budget is prepared annually and adopted by the members at the annual meeting, except that only Villasite owners vote on the Villasite maintenance portion. Assessments are payable in advance in equal monthly installments unless the board changes the schedule, and the year's assessment becomes a lien on each lot on January 1. Because the figure is budget-driven, ask for the current year's budget rather than a single number. Seller disclosures filed with recent listings in this neighborhood show amounts that differ widely from lot to lot and year to year, which is what you would expect given the Homesite and Villasite split and the separate boat-slip fees, so only the Association can tell you what a particular lot owes. Unpaid assessments. Interest runs at the maximum rate Indiana law allows for consumer loans, reset each January 1. The board may declare the whole unpaid balance due and record a Notice of Lien, which is enforced like a mortgage lien and picks up attorney's fees, title expenses, interest and costs. An owner cannot escape assessments by not using the common areas or by abandoning the lot, and co-owners are jointly and severally liable. A foreclosure by a first mortgage lender wipes out installments that came due before the sale, though the former owner stays personally liable. On request, the Association must give a lender or a buyer under contract a statement of unpaid assessments, and that statement binds the Association, so ask for one before closing. Architectural review. A three-person Architectural Control Committee approves plans and landscaping, and its decision is described as entirely within its discretion. As written, the Committee was appointed by the developer and its authority was to expire 15 years after the plat was recorded. The plat was recorded in January 1988, so that term has run; ask the Association who performs architectural review today and under what authority. Enforcement. The right to enforce by injunction, including having an offending structure or planting removed by due process of law, is vested in every lot owner as well as in the Association and the developer. Anyone may also sue for damages or other relief. If the Association hires a lawyer to enforce the covenants, the owner the action is brought against pays the costs, including reasonable attorney's fees and the expense of removing or altering whatever violates the Declaration, and that becomes a Special Assessment against the lot enforceable like any other assessment. Amendment and duration. The covenants ran to January 31, 2010 and then renew automatically for successive ten-year periods unless owners of at least 75 percent of the Homesites vote to change them. After the turnover date the Declaration may be amended by a recorded amendment executed by owners of not less than 75 percent of the Homesites. The board may also adopt rules and regulations about the common areas and the Association's functions by a majority vote, and copies go to all owners, so there may be current rules that are not in the recorded Declaration at all. Ask for the current rules and regulations alongside the covenants.

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