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Eddy Street Commons

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

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

Before you rely on this page

Read this before anything above, because Eddy Street Commons is layered and no single document answers everything.

These answers come from the Declaration of Covenants and Restrictions Residential Areas, made by the University of Notre Dame du Lac, effective May 20, 2008 and recorded May 23, 2008 as instrument 0817399, as amended and restated by the Corrective Declaration of Covenants and Restrictions Residential Areas recorded January 5, 2009 as instrument 0900196. That is the instrument that reaches every home in the residential part of Eddy Street Commons, which is why it was used here. It runs with the land in perpetuity.

It is not the only thing that governs your home. Each residential development inside Eddy Street Commons has its own recorded declaration and its own association, and those are where the everyday rules live. Three of them are on file here: the Declaration of Covenants, Conditions and Restrictions for Champions Way Cityhomes, recorded September 17, 2010; the Declaration of Legends Row Condominiums, instrument 1114956, recorded June 9, 2011; and the Declaration of Victory View Condominiums, made June 2014. A fourth, the Master Declaration for the whole mixed-use project, recorded January 5, 2009 as instrument 0900202, is referred to by all three but is not in this file.

That layering is why several questions come back as not addressed. Pets, mailboxes, clotheslines, flags, grilling, vehicle repair and short-stay letting are simply not dealt with by the university's declaration. That does not mean nobody has a rule about them. It means the rule, if there is one, is in your own development's declaration or its association's rules, and you should ask for those by name.

One more thing that distinguishes this place: the approving body is the University of Notre Dame itself, not a neighborhood architectural committee, and the declaration gives it re-entry rights on a vacant lot if building does not start within two years of purchase or finish within twenty-four months of starting. There are no dues and no association under this document at all. Whatever you pay monthly will come from your own development's association.

The recorded copy on file is a scan of paper, so individual words can be misread, and every answer quotes the document's own wording so you can judge it yourself. Confirm the full set of recorded documents for your specific address through the title company before you rely on any of this.

What you can build and change

Conditional

Fences

A fence is named directly in the approval clause. Building, erecting or altering one needs Notre Dame's prior written approval of a Building Plan, and the university applies published development guidelines that cover fencing among other things. There is no height or material figure in the declaration itself, so the standard is whatever the guidelines and the university set. If a fence matters to you, ask what has been approved on nearby lots before you buy.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

Sheds & outbuildings

The declaration never uses the word shed. What it says is that no other building or structure may be constructed, erected or altered on a lot without Notre Dame's prior written approval of a Building Plan. A detached storage building falls inside that, so it is possible only with approval, and the declaration sets no size or placement standard of its own.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

RVs, boats & trailers

There is a rule, and it turns on visibility rather than an outright ban. A recreational vehicle, motor home, truck over half a ton, trailer, boat or disabled vehicle may not be parked or stored overnight or longer on a lot in open view from a public street. Shorter daytime parking is not caught by those words, and neither is something kept out of open view from the street. The declaration does not address a garage either way.

No recreational vehicle, motor home, truck which exceeds % ton in weight, trailer, boat or disabled vehicle shall be parked or stored overnight or longer on a Lot in open view from a public street.
Conditional

Swimming pools & hot tubs

A swimming pool is named directly in the approval clause, alongside a ball court, patio and deck. Building one needs Notre Dame's prior written approval of a Building Plan. The declaration sets no separate pool standard and does not distinguish in-ground from above-ground.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

Exterior changes & additions

This is the central fact about living here, and it is stricter than an ordinary neighborhood architectural committee. Notre Dame itself, not a homeowners board, approves exterior work. No improvement, alteration, change of colours, excavation, change in grade, planting or other work that in any way alters a lot or the exterior of a living unit may be done without the university's prior written approval of a Building Plan. A Building Plan can mean a site plan by a licensed engineer or architect, a foundation plan and finished floor elevations, building plans with elevations and floor plans, samples of exterior materials, a landscaping plan, an exterior lighting plan and anything else the university reasonably asks for. If the university does not approve, modify or disapprove in writing within sixty days of a properly filed plan, approval is deemed denied rather than granted. A disapproval has to give specific reasons, and the university reviews against the Northeast Neighborhood Design Guidelines and any further guidelines it adopts. Three things are expressly exempt from needing approval: real estate sales and leasing signs within the stated limits, low plantings under eighteen inches and ordinary replanting consistent with an approved plan, and anything on the interior. The university may also decline to consider a plan from an owner who is currently in violation, unless the owner posts an undertaking to cure. Work that is started has to be substantially complete within twenty-four months.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

Satellite dishes & antennas

The declaration never names a satellite dish or a receiving antenna. What it prohibits outright, in its list of prohibited uses, is a television or other transmission tower. Beyond that, the general rule catches it: a fixture or equipment that alters the exterior of a living unit needs Notre Dame's prior written approval of a Building Plan. Federal rules limit how far a covenant like this can be enforced against a small dish, so ask the university what it currently permits rather than assuming either way.

Television or other transmission towers and commercial advertising structures (e.g., billboards);
Conditional

Solar panels

Solar is not named anywhere in the declaration. Panels on a roof or in a yard would alter the exterior of a living unit, which brings them inside the rule that no work altering a lot or the exterior may be done without Notre Dame's prior written approval of a Building Plan. Nothing here says solar is encouraged or discouraged, so this is a question to put to the university in writing before you commit to a system.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

Landscaping, trees & gardens

Plantings are covered, with sensible exemptions for small stuff. Anything that alters a lot, including plantings, needs Notre Dame's prior written approval of a Building Plan. Three things are exempt: flowers, bushes, shrubs and other plants under eighteen inches high; ordinary maintenance or replanting of plantings installed under an approved plan; and additional plantings consistent with the approved plan for the living unit. Landscaping specified in an approved Building Plan has to be installed within sixty days of the living unit being substantially complete if that falls between March 1 and October 15, and otherwise before May 1. Every owner keeps the grass, trees, shrubs and other plantings on their lot neatly cut, cultivated or trimmed and in good and sightly condition.

flowers, bushes, shrubs, other plants having a height of less than eighteen (18) inches; other landscaping activities pertaining to the regular maintenance or replanting of plantings installed pursuant to an approved Building Plan for the Living Unit; or additional plantings that are consistent with an approved Building
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

Not stated

Pets

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

Renting your home

Renting is contemplated rather than restricted, but the occupancy limit is the thing to know, and in a neighborhood next to a university it matters more than usual. Unless a stricter government rule applies, it is a prohibited use for more than three adults unrelated by blood, marriage or legal adoption to live together in one dwelling, or more than two in a dwelling with a single bedroom, or in an efficiency. A dwelling for this purpose is a room or set of rooms designed for year-round habitation with a bathroom and kitchen, used as a permanent residence by at least one person. Elsewhere the declaration expressly contemplates the property being leased or rented and allows leasing signs, so it does not bar letting a home. What it does not do is set any other condition on a tenancy, so check your own sub-development's declaration, which may.

Unless a more restrictive governmental regulation applies, more than three (3) adults unrelated by blood, marriage or legal adoption living together in one dwelling; more than two (2) adults unrelated by blood, marriage or legal adoption living together in one dwelling that contains a single bedroom; and an efficiency.
Conditional

Basketball hoops

A basketball hoop is not named. A ball court is, among the structures that need Notre Dame's prior written approval of a Building Plan, and the same rule reaches any work that alters a lot or the exterior of a living unit. So a permanently mounted hoop would need approval. A portable one on a driveway is not addressed either way.

Except as otherwise expressly provided in this Declaration, no improvements, alterations, change of colors, excavations, changes in grade, plantings, or other work that in any way alter(s) any Lot or the exterior of any Living Unit, including, but not limited to, the construction, erection or alteration of any Living Unit, other building, fixture, equipment, fence, wall, swimming pool, ball court, patio, deck, parking area, or other structure on a Lot, or the installation or alteration of any signage on any Lot or Living Unit, shall be made or done without “the prior written approval by University of a Building Plan therefor.
Conditional

Yard signs

There is one clear allowance and otherwise a permission requirement. A real estate sales or leasing sign needs no approval provided it is no more than six square feet in area, no more than eight feet high, there is no more than one per street frontage of the lot with no more than two faces per sign, and it is not illuminated. Any other signage on a lot or living unit needs Notre Dame's prior written approval of a Building Plan, except signage on the interior, which is exempt. Commercial advertising structures such as billboards are a prohibited use. So is parking a vehicle so that it functions as a sign, meaning a vehicle, trailer or similar movable structure carrying signage between the street right-of-way and the front building line, though passenger vehicles, pick-ups and vans that fit a standard parking space and carry painted or permanently affixed door or body-panel signs of no more than sixteen square feet are excepted, as are construction and delivery vehicles.

real estate sales and leasing signs, provided (A) the maximum sign area is six (6) square feet; (B) the maximum height of the sign is eight (8) feet; (C) there shall be no more than one (1) sign for each street frontage of the Lot, with no more than two (2) signs faces per sign; and (D) the sign shall not be illuminated
Conditional

Street parking

Two rules bear on parking. A recreational vehicle, motor home, truck over half a ton, trailer, boat or disabled vehicle may not be parked or stored overnight or longer on a lot in open view from a public street, which is also where a broken-down car sitting on the driveway would be caught. Separately, it is a prohibited use to park a vehicle so that it functions as a sign, with exceptions for construction and delivery vehicles, vehicles in screened truck parking areas, and ordinary passenger vehicles, pick-ups and vans that fit a standard space and carry door or body-panel signage of no more than sixteen square feet. Building a parking area on a lot needs Notre Dame's prior written approval of a Building Plan. Ordinary day-to-day parking of a resident's own car is not otherwise addressed, and on-street parking is a city matter rather than a covenant one.

No recreational vehicle, motor home, truck which exceeds % ton in weight, trailer, boat or disabled vehicle shall be parked or stored overnight or longer on a Lot in open view from a public street.
Conditional

Running a business from home

Working from home is allowed, and the declaration hands the test to the city rather than inventing its own. Any non-residential use of a lot or living unit is a prohibited use, other than a home occupation permitted under and in accordance with the South Bend Zoning Ordinance. So what you may run from home is whatever that ordinance allows for a home occupation, and it is worth reading the current version before you rely on it. A builder may also use a living unit as a model home, again in accordance with the ordinance. Notre Dame may approve something outside this in writing, at its sole discretion.

Any non-residential use of a Lot or Living Unit, other than a home occupation that is permitted under and in accordance with the South Bend Zoning Ordinance
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

All rubbish, garbage and other waste is stored in closed sanitary containers, and except on collection days the facilities and equipment for storing and disposing of it are kept out of view of neighbouring homes. The declaration does not name a collection day or say where bins have to sit.

Except with respect to garbage pick-up days, all facilities and equipment for the storage and disposal of rubbish, garbage or other waste shall be kept from view of neighboring Living Units. All rubbish, garbage and other waste shall be stored in closed sanitary containers.
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.

We can find out →
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 →
Conditional

Window coverings & decorations

The line the declaration draws is between outside and inside. Anything installed or altered on the exterior of a living unit, including signage, needs Notre Dame's prior written approval of a Building Plan. Work on the interior is expressly exempt from that requirement, and the exemption names interior signage specifically. So what you put inside your own window is outside the approval rule, while anything fixed to the outside of it is not. The declaration says nothing about the appearance or condition of curtains, blinds or shades.

any improvements, alterations, change of colors, or other work (including without limitation any interior signage) with respect to the interior of a Lot, Living Unit or common area.

Where these answers come from

The documentDeclaration of Covenants and Restrictions Residential Areas, University of Notre Dame du Lac, effective May 20, 2008 and recorded as instrument 0817399, as corrected and restated by instrument 0900196 recorded January 5, 2009
Recorded asDeclaration of Covenants and Restrictions Residential Areas, effective May 20, 2008, recorded May 23, 2008 as instrument 0817399, by the University of Notre Dame du Lac
Corrective Declaration of Covenants and Restrictions Residential Areas, recorded January 5, 2009 as instrument 0900196
Master Declaration for Eddy Street Commons at Notre Dame, recorded January 5, 2009 as instrument 0900202 - referred to by each sub-development declaration and not on file here
Declaration of Covenants, Conditions, and Restrictions for Champions Way Cityhomes, recorded September 17, 2010
Declaration of Legends Row Condominiums, instrument 1114956, recorded June 9, 2011
Declaration of Victory View Condominiums, June 2014
Northeast Neighborhood Design Guidelines dated October 1, 2004, which the declaration adopts as its development guidelines
How it was readRead page by page off the optical character recognition of all twenty scanned pages of the recorded corrective declaration, including its exhibit of prohibited uses. The three sub-development declarations on file were read far enough to identify what each one governs.
The associationEddy Street Commons does not work like a normal subdivision, and this is the part most worth reading twice. The declaration that reaches every home in the residential part of Eddy Street Commons creates no homeowners association and levies no assessments. It is a declaration by the University of Notre Dame du Lac over land it owned and sold for redevelopment, and Notre Dame keeps the approval and enforcement powers itself. There is no board to appeal to and no dues under this document. Its stated aims are to improve the appearance of the neighborhood around campus, provide housing for the university community, create a walkable college town, connect the campus with the surrounding community, sustain the neighborhood's diversity, preserve its architectural heritage and enhance the value of university property. Enforcement sits with the university and is unusually strong. It may seek an injunction without showing any damage to itself, it may sue for damages and specific performance, and an owner who violates the declaration reimburses the university's reasonable attorney's fees, expenses and court costs if the university succeeds. On two specific defaults - failing to start building a home on a vacant lot within two years of buying it, and failing to substantially complete construction within twenty-four months of starting - the university may re-enter the lot and divest the owner of title, tendering the amount owed to the mortgage holder. A similar re-entry right applies if all the buildings in a condominium regime are destroyed and the owners decide not to rebuild, at a price set by averaging two court-appointed appraisals. The university's failure to enforce something once does not waive its right to enforce it later, and these covenants run with the land in perpetuity. They can be amended only by a written instrument signed by the university and by each affected owner and recorded. Each owner maintains, repairs, decorates and replaces their own home at their own expense, including painting and repainting exterior surfaces, and keeps the grass, trees and shrubs neatly cut and in sightly condition. If an owner lets that slide, the university can go to court to compel it. Where there is an association, it comes from somewhere else. The declaration acknowledges that parts of the residential area are in one or more horizontal property regimes, which is the Indiana term for a condominium, and says that where an obligation belongs to such an association under its own documents, the association rather than the individual owner performs it. Each of the residential developments here has its own declaration and its own association with its own dues, rules and enforcement. There is also a Master Declaration for the whole mixed-use project, recorded January 5, 2009 as instrument 0900202, which is not among the documents on file here and which is likely to carry the project-wide association and shared-cost arrangements. Ask the seller and the title company for the association documents and current dues for your particular building before you make an offer, because nothing in the document this page is built on will tell you what they are.

Ask us about Eddy Street Commons

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