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Crescent Oaks A

What the recorded documents actually say about Crescent Oaks A in South Bend — fences, sheds, pools, pets, parking and the rest — with the part of the document each answer comes from.

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

Before you rely on this page

STEP 0: the input carries no not-shown-here marker, and all 13 pages of the primary document are present. Verified against disk at data/ocr_text/hoa__crescent-oaks-a/, which holds 13 page files; every page has its substantial text in the input except the notary acknowledgment page, which carries no restrictions. STEP 0b: the document is a scan, so the page images at data/vision_pages/hoa__crescent-oaks-a/ were read by eye for the sections where a wrong silence would matter. Pages 9 and 10 of the recorded document, covering Article VII Miscellaneous Provisions A through L and Article VIII A through D, match the OCR exactly. Article V runs A through J and Article VI runs A through D with no gap in the lettering, so the not_stated answers reflect real silence in the document rather than failed OCR. SIBLING GAP: the input listed only hoa__crescent-oaks-a and hoa__crescent-oaks-a__3, but disk holds six further document sets under hoa__crescent-oaks*. Of those, hoa__crescent-oaks-a__2 and hoa__crescent-oaks__2 through __4 are duplicate OCR runs of this same 2009 instrument. hoa__crescent-oaks is a 19-page bundle that was not in this input and does govern this section: the 2013 First Amendment, instrument 1314979, whose own title block names the Protective Restrictions for the Home Sites 1-31 of Crescent Oaks, followed by the Section Two plat and a re-attached full copy of the 2009 Restrictions. It was read in full and folded in; it changes no use restriction. INSTRUMENT NUMBERS: three numbers appear only in the sibling corpus. 0934388 is the recording number of the governing instrument itself, taken from the First Amendment recital because the recorder stamp on this neighborhood own copy is garbled by the OCR. 1314979 is the First Amendment. 1300112 is NOT a recorder instrument number: it is part of the preparing law firm file path printed in the footer, ending 1300112013-04-12 Amendment to Protective Restrictions.doc, where a matter number runs together with the date 2013-04-12. It should not be treated as an instrument. INPUT DEFECTS: the input has no dropped_sources key at all, and its sources list omits hoa__crescent-oaks-a__2, which is rendered and OCR-processed on disk. The supporting document hoa__crescent-oaks-a__3 is a seller HOA disclosure form carrying a property street address, a seller name, and a management contact name and email address; none of that is reproduced anywhere in this file.

What you can build and change

Conditional

Fences

Fencing is allowed only in maintenance-free materials. The document requires PVC, aluminum or a similar maintenance-free product, and prohibits wood and painted metal outright. Back yard perimeter fencing up to four feet high may be permitted with the prior written approval of style and location by the Architectural Control Committee. A back yard perimeter fence taller than four feet, still non-privacy in nature, may be allowed at the committee discretion if the owner has a dog that can easily jump a four-foot fence, evidenced by a signed letter from a licensed veterinarian on the veterinarian official letterhead. Privacy fencing up to six feet is limited to a patio area directly abutting the home. Home sites numbered 6 through 11A may put six-foot non-privacy fencing around the entire back yard to allow for a future in-ground pool. Perimeter fencing is for back yards only, and the document recommends keeping it out of any dedicated easement, with the owner assuming the risk if it goes there. A fence installed without approval may be removed by the association at the owner cost, billed as a lien it can foreclose.

All fencing must be PVC, aluminum, or similar maintenance-free product. No wood or painted metal fences shall be permitted.
Conditional

Sheds & outbuildings

A detached storage building or pet shelter is permitted only with prior written approval from the Architectural Control Committee. Size is capped at 10 by 12 feet. It must sit in the rear yard, be of quality construction, be kept in attractive and neat appearance, and blend with the established home, including matching horizontal vinyl siding and matching shingles. The committee may require protective screening around it. The document also limits detached buildings to the area designated on an Exhibit A attached to the restrictions, so the permitted location depends on that exhibit.

The construction and placement of any detached storage (which shall not exceed 10’ X 12”) or a pet shelter structure, to be used for the storage of lawn tools, toys, swimming pool apparatus, or any other personal property, or for the shelter of pets must be of a quality construction, located in the rear yard
✗ Not allowed

RVs, boats & trailers

Recreational and commercial vehicles may not be kept in open areas. The document names campers, trailers, trucks and boats, and applies the ban to open areas anywhere in the neighborhood, whether those open areas are on or off the owner home site. It does not address storage inside a garage. Separately, minibikes, motorcycles, go-carts, snowmobiles and similar motor-driven vehicles may not be operated within the neighborhood, except duly licensed motor vehicles on dedicated public roads driven by licensed persons.

No recreational or commercial vehicles (campers, trailers, trucks, or boats) may be kept in open areas in this neighborhood, whether such open areas are on or off the home site of any home site owner.
Conditional

Swimming pools & hot tubs

Above-ground pools are prohibited, and so are temporary and inflatable pools. Tennis courts are prohibited as well. In-ground pools are not banned, and the document assumes they occur: the fencing rule lets home sites 6 through 11A fence the back yard at six feet to allow for future installation of an in-ground swimming pool, and the construction rules treat a swimming pool as an addition that must be completed within six months from the start of construction. Any such addition needs prior written Architectural Control Committee approval before work begins.

No tennis courts or above ground pools shall be permitted. Temporary, inflatable, or above ground swimming pools are prohibited.
Conditional

Exterior changes & additions

Exterior work needs prior approval. Any alteration, improvement, remodeling or maintenance of a house that affects its exterior appearance must be submitted to and approved by the Architectural Control Committee before any work may commence. For new building, or any change to the topography or drainage of a home site, plans must be approved first, and approval or disapproval comes in writing. Two complete sets of prints are submitted, one kept by the committee and one returned to the owner. Plans must show floor plan, quality of construction, materials, outside colors, harmony of external design with existing structures, and location relative to home site lines, topography and finish grade elevations. No change to approved plans may be made without prior written consent. The document gives the committee the sole and exclusive right to review submissions and says it does not have to state a reason to deny approval.

Any alteration, improvement, remodeling, and/or maintenance of a house (which affects the exterior appearance of the home) must be submitted to and approved by the Architectural Control Committee before any work may commence.
Conditional

Satellite dishes & antennas

One satellite dish is allowed with conditions. An owner may erect a single direct broadcast satellite dish no more than one meter in diameter. It must be placed, to the extent feasible, where it is not visible from the street or other common property. The committee may require the owner, at the owner cost, to plant shrubbery or provide other screening and to keep the color and installation harmonious with the landscape and architecture, so long as those requirements do not unreasonably impair the installation, maintenance or use of the system. Nothing may be installed until the Architectural Control Committee has approved the placement in writing. Outside above-ground television, AM, FM and short wave radio antennas of any type are prohibited.

As concerns satellite dish installation, a property owner may erect one (1) direct broadcast satellite (DBS) dish that is not more than one meter in diameter. The system must be placed, to the extent feasible, in locations that are not visible from the street or other common property.
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

Yards must be planted in grass. The side, front and rear yards of each home site must be planted with grass seed or sod unless the owner gets prior written approval for another ground cover from the Architectural Control Committee. Grading and seeding should be completed by the time of occupancy, and if the time of year does not permit, no later than June 15 following occupancy. Grading, sodding and seeding must not hinder drainage or the natural flow of surface water, and drainage swales and easements, including road ditches, must be left open. Lawn ornamentation of all types is prohibited without prior written committee approval, and if approved is limited to one item per home site. Owners must also maintain the lawn to prevent unsightly growth of vegetation and noxious weeds, remove debris and rubbish, and cut down and remove dead trees and stumps.

The side, front and rear yards of each home site shall be planted with grass seed or sod, unless a homeowner has received prior written approval for another ground cover from the Architectural Control Committee
Not stated

Mailboxes

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How you can live here

Conditional

Pets

Household pets are allowed with conditions. Dogs, cats and other household pets may be kept provided they are not kept, bred or maintained for commercial purposes and are not permitted to become a neighborhood nuisance or hazard. No other animals, livestock or poultry of any kind may be raised, bred or kept. Dogs must be kept on a leash and no kennels are permitted. A dog exercise area must be approved: it is limited in size, must sit tight to the side or rear of the house and may not exceed eight feet from the side of the home, and may use PVC or maintenance-free aluminum fencing five or six feet high if the Architectural Control Committee approves. An owner may be required, at the owner cost, to provide landscape screening for a dog exercise area on the side of the home.

Dogs must be kept on a leash. No kennels are permitted. Dog exercise areas must be approved. Such dog exercise areas of limited size up tight to the house side or rear, not to exceed eight (8) feet from the side of the home, may have PVC fencing, or maintenance-free aluminum fencing, 5 or 6 feet high if approved by the Architectural Control Committee.
Not stated

Renting your home

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Conditional

Basketball hoops

A basketball hoop needs written permission first. Sport and recreational equipment, with basketball hoops, soccer goals, swingsets and sandboxes named, is prohibited without prior written permission from the Architectural Control Committee as to both type and location, and a home site is limited to no more than one item of sporting or recreational equipment. The prohibited structures paragraph repeats the point, listing trampoline, swing set, sand box, playground and basketball hoop among structures that may not be erected without the prior written approval of the Architectural Control Committee.

Any sport or recreational equipment, such as, but not limited to: - basketball hoops, soccer goals, swingsets and sandboxes, are prohibited without prior written permission = as to type and location of the equipment by the Architectural Control Committee
Conditional

Yard signs

Signs are limited to one small sign. No sign of any kind may be displayed to public view on a home site except one sign of not more than five square feet advertising the property for sale or rent. Political campaign signs are excepted from the ban, but must be removed within twenty-four hours after the election to which they pertain. A builder may use a sign of any dimension to advertise the property during the construction and sales period, and the developer and its agents keep the right to construct signs to promote and sell home sites.

Except for political campaign signs, no sign of any kind shall be displayed to public view on any home site except one sign of not more than five (5) square feet advertising the property for sale or rent
Not stated

Street parking

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Conditional

Running a business from home

A home occupation is permitted within narrow limits. It must involve only a member of the immediate family living in the dwelling, remain entirely within the dwelling, and be clearly incidental and secondary to the use of the property as a dwelling without changing its character. It may have no sign or display indicating the building is used for any purpose other than a dwelling, no commodity may be sold on the premises, and no person may be employed other than an immediate family member living there. The document expressly excludes a barber shop, styling salon, beauty parlor, tea room, fortune-telling parlor, animal hospital, and any form of animal care or treatment such as dog trimming. Note that a separate nuisance paragraph states that no commercial, business or professional office uses shall be conducted on any residential home site, apart from developer and builder sales, promotional and construction use, so the two paragraphs should be read together before relying on a home business.

No home site shall be used for any purpose other than as a single-family residence with the exception that a home occupation may be permitted. the occupation involves only a member of the immediate family living in the dwelling, remains entirely within the dwelling, and requires use of the dwelling that is clearly incidental and secondary to its use as + - a dwelling, and does not change its character.
Not stated

Short-term rentals (Airbnb)

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Not stated

Vehicle repair in the driveway

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Conditional

Trash & recycling containers

Waste must be kept in sanitary containers. Trash, garbage, weeds and other waste may be kept only in sanitary containers, and no home site may be used or maintained as a dumping ground for rubbish. Any incinerator or other equipment for the storage or disposal of such material must be kept in a clean and sanitary condition. The document does not set container screening rules and does not say when cans may be at the curb.

No home site shall be used or maintained as a dumping ground for rubbish. Trash, garbage, weeds or other waste shall be kept only in sanitary containers.
Conditional

Grilling & outdoor cooking

The document does not mention grills or barbecues by name, so read the two nearby rules. It bans open fires: no fire may be permitted to burn upon any street or roadway in the neighborhood, and no open fires are allowed on any home site. It separately allows portable, government-approved containers for LP gas, gasoline or other such materials used for household purposes, while banning oil and fuel storage tanks. Taken together, a gas grill fits within what the document permits and open burning does not, but the association is the right place to confirm how it reads the open-fire language for charcoal or a fire pit.

No fire shall be permitted to burn upon any street or roadway in this neighborhood. No open fires are allowed on any home site. No oil or fuel storage tanks may be installed, stored or otherwise located on any home sife, except portable, government-approved containers for LP gas, gasoline or other such materials used for household purposes.
Not stated

Clotheslines

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Conditional

Flags & flagpoles

Flagpoles are treated as lawn ornamentation. The landscaping paragraph prohibits all types of lawn ornamentation without prior written approval of the Architectural Control Committee, and names flagpoles alongside fountains, bird feeders, gazing balls, benches, chairs and statuary. If approved, a home site is limited to one item of lawn ornamentation. A flag mounted on the house itself is not addressed.

All types of lawn ornamentation are prohibited, including but not limited to, fountains, bird feeders, gazing balls, flagpoles, benches or chairs or statuary, without prior written approval, of the Architectural Control Committee
Not stated

Window coverings & decorations

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Where these answers come from

The documentCRESCENT OAKS PROTECTIVE RESTRICTIONS, COVENANTS LIMITATIONS, EASEMENTS, AGREEMENTS AND CHARGES FOR HOME SITES 1-31 OF CRESCENT OAKS
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.
The associationCrescent Oaks has a mandatory homeowners association: Crescent Oaks Homeowner Association, Inc., an Indiana not-for-profit corporation created by the developer, Tampico Developments, L.L.C. Membership is automatic, not optional. Accepting a warranty deed or other property interest makes the recipient a member who agrees to maintain membership, abide by all rules and regulations, and pay dues and assessments. Membership ends when the person ceases to be an owner and transfers automatically with the deed. After the Turnover Date each home site carries one vote; if joint owners disagree their votes are not counted, and two contiguous home sites with one house built across them get one vote but are assessed as two. What it maintains: the landscaped entranceway, water features and other common areas, the entry signage and landscaping, and all other purposes the membership deems necessary. Members have a right and easement of enjoyment over the sidewalks, the signage and the landscape areas. The association carries property liability insurance and a comprehensive public liability policy of not less than one million dollars per occurrence and two million dollars in the aggregate for the ponds. Architectural control is strict, and it sits with a three-person Crescent Oaks Architectural Control Committee appointed by the developer. The developer may retain control of that committee past the Turnover Date until every lot now platted, or platted in the future as another phase or addition, has a home built on it and is sold to a homeowner. Approvals and denials are in writing, plans go in as two complete sets, and the document gives the committee the sole and exclusive right to review submissions with no obligation to state a reason to deny approval. The Turnover Date is when the developer hands control to the homeowners, defined as 100 percent completion of the development or fifteen years after the original recording, with the developer free to turn over earlier at its sole discretion. The original was recorded October 15, 2009, so the fifteen-year mark fell in October 2024. A buyer should ask the association whether turnover has actually happened, because who controls architectural approval and who sets the dues both turn on it. Assessments: dues are levied equally on each home site and commence on a home site when it is conveyed to a homeowner; they are never assessed on home sites owned by the developer or any home builder. Before the Turnover Date the document sets annual dues starting at 175 dollars per year per home site, which may increase as needed to cover the actual expenses of the association. After the Turnover Date the Board of Directors determines the total when it creates the annual budget. The association may also levy special assessments, for example to remedy the consequences of an excessive drought or other natural phenomenon, and for upkeep and replacement of the entranceway landscaping and signage. A seller disclosure form in this neighborhood file, on a 2025 Indiana Association of REALTORS form, reports recurring HOA dues of 110 dollars payable annually. That is the more recent figure, but it is one seller statement about one home site rather than an association notice, and the 175 dollar figure is the 2009 document. Confirm the current amount and any pending special assessment with the association in writing. Billing and late charges: the association may bill the owner of each home site each January, and dues are due and payable within thirty days. An assessment paid later than the fifteenth day of the month in which it is billed is subject to a fifty dollar penalty fee and bears interest at the highest rate allowed by Indiana law beginning thirty days after it becomes due. Until paid, dues and assessments are a lien in favor of the association on the home site, subordinate to any first mortgage lien. A buyer may rely on a certificate signed by the president or treasurer showing the amount unpaid as of its date, which is worth requesting before closing. If an attorney is hired to collect a past due charge, the owner is also liable for all costs of collection including attorney fees. Enforcement: if anyone violates or attempts to violate the covenants, any owner and the homeowners association may proceed either in law or in equity. The remedies named are injunctive relief and damages for injuries resulting from the violation, and the document is explicit that there is no right of reversion or forfeiture of title. Where an enforcement action succeeds, the owner it is brought against pays all costs incurred including reasonable attorney fees, and the association or prevailing owner has a lien on the home site to secure that payment. The association also has self-help powers: if an owner fails to maintain the home site, it may enter through its agents, employees or contractors to repair, mow or clean, and add the cost to the annual assessment or a special assessment. Fencing installed without approval carries its own express easement letting the association enter and remove it with no liability to the owner, the cost billed to the owner and becoming a lien the association may foreclose. Duration and amendment: the covenants remain in effect until revoked or amended. The developer may unilaterally amend and revoke parts of them until 100 percent of all present home sites of the Crescent Oaks development, a projected total of 216 home sites, have been sold and deeded to residential buyers rather than builders, and recorded. Thereafter they may be amended or rescinded by affirmative vote of eighty percent of the members, except that an amendment affecting a particular home site or a member ownership interest needs 100 percent of the affected members. One developer amendment has already been recorded, the First Amendment of May 2013, which annexed Section 2 and home sites 32 through 47, 88 and 89 into Crescent Oaks. It changed no use restriction.

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