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Crescent Oaks

What the recorded documents actually say about Crescent Oaks in South Bend — 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

THE 2013 DECLARATION ANNEXED HOME SITES 32-47, 88 AND 89 into Crescent Oaks, so those lots are governed by the same restrictions as the original 1-31 even though they came in later. Two rules here are tighter than the county norm and easy to miss: only ONE item of sporting or recreational equipment is allowed per home site, and lawn ornamentation of every kind - a flagpole included - needs written approval and is capped at one item. Minimum house sizes are small by county standards: 800 square feet for a ranch and 1,100 for everything else.

What you can build and change

Conditional

Fences

All fencing has to be PVC, aluminum or a similar maintenance-free product - wood and painted metal are not permitted at all. A back-yard perimeter fence that is not privacy in nature may be up to four feet, with the style and location approved in writing first, and perimeter fencing is allowed in the back yard only. There is one unusual way to go higher: the committee may allow a taller non-privacy back-yard fence if you have a dog that can easily clear four feet, evidenced by a signed letter from a licensed veterinarian on their own letterhead. A privacy fence up to six feet is allowed around a patio next to the house. Fencing inside a dedicated easement is at the homeowner's risk.

Section V.B - Fencing
Conditional

Sheds & outbuildings

A detached storage or pet-shelter structure may be no more than 10 by 12 feet, goes in the rear yard, and has to match the house down to the horizontal vinyl siding and the shingles. It needs the architectural committee's written approval before construction, the committee may require screening, and it is allowed only in the area marked on the covenant's own Exhibit A. No trailer, modular or manufactured home, prebuilt home, basement, tent, shack, garage, barn or outbuilding may be lived in.

Section VII.C - Detached Buildings, with Section VII.J - Prohibited Structures
✗ Not allowed

RVs, boats & trailers

Recreational and commercial vehicles - campers, trailers, trucks and boats - may not be kept in open areas anywhere in the neighborhood, on a home site or off it.

Section VII.K - Recreational and Commercial Vehicles
✗ Not allowed

Swimming pools & hot tubs

Tennis courts and above-ground pools are prohibited, and so are temporary and inflatable pools - the covenant names all three, which closes the usual summer-pool argument. An in-ground pool is treated as an addition and goes to the architectural committee first.

Section VII.L - Tennis Courts and Pools, with Section V.F
Conditional

Exterior changes & additions

Any alteration, improvement, remodel or maintenance that changes how the house looks from outside has to be submitted to and approved by the architectural control committee before work begins. A home site carries one single-family house of up to two and a half storeys, and an exception needs the committee's unanimous written approval.

Section VI.A - Alterations, with Section VI.D
Conditional

Satellite dishes & antennas

Outside above-ground TV, AM, FM and short-wave antennas of any type are barred. One direct-broadcast satellite dish of no more than one meter across is allowed - one, not several. It goes where it is least visible from the street or common property if that is feasible, and the architectural committee may require shrubbery or other screening and a harmonious colour at the owner's cost, as long as that does not unreasonably impair the installation or use. The committee approves the placement in writing before it goes up.

Section VII.B - 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

Side, front and rear yards are seeded or sodded - another ground cover needs prior written approval. Grading and seeding are done by the time you move in, or if the season will not allow it, as soon as practical and no later than June 15 after occupancy, and never in a way that hinders drainage. Drainage swales, easements and road ditches stay open and unfilled. Lawn ornamentation of all types is prohibited without prior written approval - fountains, bird feeders, gazing balls, flagpoles, benches, chairs and statuary are named - and an approved one is limited to a single item per home site.

Section V.E - Landscaping
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 household pets are allowed, as long as none is kept, bred or maintained commercially and none becomes a neighbourhood nuisance or hazard. Livestock and poultry may not be kept. Dogs go on a leash, kennels are not permitted, and a dog exercise area needs approval. A pet shelter structure is allowed in the rear yard with architectural approval, built to match the house. If your dog can clear a four-foot fence, a veterinarian's letter can get you a taller back-yard fence.

Section VII.G - Livestock and Poultry, with Sections VII.C and V.B
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.

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Conditional

Basketball hoops

A basketball hoop, and any other sport or recreational equipment such as a soccer goal, swing set or sandbox, is prohibited without the architectural control committee's prior written permission as to type and location - and it counts against a cap of ONE item of sporting or recreational equipment per home site, which is tighter than most. A trampoline, swing set, sandbox, playground or hoop put up without that written approval is prohibited outright.

Section V.F - Sports or Recreational Equipment, with Section VII.J
Conditional

Yard signs

Apart from political campaign signs, the only sign allowed is one of no more than five square feet advertising the property for sale or rent, plus a builder's sign during the construction and sales period. A political sign comes down within twenty-four hours after the election it relates to.

Section V.I - Signs
Conditional

Street parking

Driveways must be at least twelve feet wide and built of asphalt at least three inches thick, brick, or concrete at least four inches; stone and cinder are not allowed and a circular drive may be as narrow as eight feet. Grass pavers and other landscaping devices are allowed for a driveway with the committee's prior written permission - a rare allowance in this county. Minibikes, motorcycles, go-carts, snowmobiles and similar motor-driven vehicles may not be operated anywhere in the neighbourhood, except a licensed vehicle driven by a licensed person on a dedicated public road.

Section VI.C - Driveways, with Section VII.H - Motorized Vehicles
Conditional

Running a business from home

A home occupation is allowed if it involves only a member of the immediate family living in the house, stays entirely inside it, and remains clearly secondary to living there. No sign or display showing the building is used for anything else, nothing sold on the premises, nobody employed from outside the immediate family. A barber shop, styling salon, beauty parlour, tea room, fortune-telling parlour, animal hospital or any animal care such as dog trimming is named and excluded, and no commercial, business or professional office use may be carried on on a residential home site.

Section V.C - Home Occupation, with Section VII.I - Nuisances
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 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.

We can find out →
Conditional

Trash & recycling containers

No home site may be used as a dumping ground for rubbish. Trash, garbage, weeds and other waste are kept only in sanitary containers, and any incinerator or storage equipment kept clean and sanitary. Oil and fuel storage tanks are not allowed on a home site at all, except portable government-approved containers for LP gas, gasoline or similar household materials.

Section VII.F - Garbage and Refuse Disposal, with Section VII.E - Fuel Storage Tanks
✗ Not allowed

Grilling & outdoor cooking

Stricter than the usual street-only ban. No fire may burn on any street or roadway, and the covenant adds a second sentence: no open fires are allowed on any home site. A fire pit in the back yard is an open fire, so ask the board before you build one.

Section VII.D - 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 →
Conditional

Flags & flagpoles

A flagpole counts as lawn ornamentation here, so it is prohibited without the architectural committee's prior written approval, and an approved one would use up the single ornamentation item a home site is allowed.

Section V.E - Landscaping
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 Restrictions, Covenants, Limitations, Easements, Agreements and Charges for Crescent Oaks, St. Joseph County, Indiana, with the 2013 declaration annexing home sites 32-47, 88 and 89
Recorded asRecorded as document 0934388
Declaration annexing home sites 32-47, 88 and 89, executed May 2013 by Tampico Developments, L.L.C.
Home sites 1 through 47, plus 88 and 89
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 separate scans came down on different listings and read the same section for section, and the 2013 annexation was read against the original RE-CHECKED 2026-09-23: CLEAN. The First Amendment of May 2013 by Tampico Developments ANNEXES Section 2 - additional home sites - and does not change a rule on this page. The annexation was already read and is reflected in the scope above.
The associationCrescent Oaks Homeowner Association, Inc. Accepting the deed makes you a member. Dues are billed each January and due within thirty days, and a late payment after the 15th of the billing month carries a penalty; failing to receive a bill is not a defence, because the covenant itself is the notice. The association funds the entrance signage and landscaping and the sidewalks, carries $1 million per occurrence and $2 million aggregate liability insurance on the ponds, and may levy a special assessment - the covenant names remedying an excessive drought or another natural event, and replacing the entranceway landscaping and signage, as examples. An owner behind on dues can lose the vote and is liable for the costs of collection including attorney's fees. Until the turnover date the developer, Tampico Developments, L.L.C., appoints the board, and it may keep control of the architectural committee after turnover until every platted lot has a house on it and is sold.

Ask us about Crescent Oaks

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