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Emerald Chase

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

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

Before you rely on this page

Emerald Chase was platted in four sections, each with its own recorded covenants, and the answers below hold for all four. Two things do differ by section. Minimum house size: Sections One and Three require 1,400 square feet for a ranch and 1,700 for a one-and-a-half or two story; Sections Two and Four require 1,500 and 1,800. And the association: a 2011 amendment moved Sections One and Three to the Emerald Downs Homeowner's Association, Inc. and the Emerald Downs Architectural Control Committee, while Sections Two and Four keep the Emerald Chase names. Confirm which section a specific address sits in before relying on either.

What you can build and change

Conditional

Fences

Fencing has to match the architectural standards set by the style of the house it belongs to, and it has to be approved in writing by the architectural control committee before it goes up. The covenants set no height limit and name no approved materials, so what passes is the committee's call and its decision is described as entirely within its discretion. A separate sight-line rule applies on corner lots: no fence, wall, hedge or shrub that blocks the view between two and six feet above the road inside the triangle formed by the two street lines and a line joining them 25 feet from the corner, and the same within 10 feet of where a driveway meets a street. Along any non-access easement shown on the plat, screen planting between the building setback line and the front lot line may not exceed 72 inches.

All fencing must conform to present architectural standards as set by the style of home thereon built and must be approved by the Architectural Control Committee in writing.
Conditional

Sheds & outbuildings

A detached shed, pet shelter, playhouse or pool house is capped at 10 feet by 12 feet unless the committee or the developer gives a written exception. It has to be quality construction, kept in attractive and neat appearance, and blend with the house, and the plans go to the architectural control committee for approval before construction starts. The committee can require screening around it. A well house or pump house needs its own written approval.

Maximum size for detached buildings, including storage buildings and pool houses, shall be 10' x 12', unless written exception is given by the Architectural Control Committee or the Developer.
✗ Not allowed

RVs, boats & trailers

Campers, trailers, trucks, boats and snowmobiles may not be kept in open areas anywhere in the subdivision, and the covenants say that applies whether the open area is on the owner's own lot or off it. A separate storage paragraph also bars using a lot to store boats or cars. The documents do not address keeping one inside an enclosed garage.

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

Swimming pools & hot tubs

Above-ground pools are not permitted. An in-ground pool is permitted only after plans and specifications are approved in writing by the architectural control committee, and any lighting fixtures for it need that same prior approval. A pool house counts as a detached building, so it falls under the 10-foot-by-12-foot cap.

No above ground pools shall be permitted. In-ground pools and permanent or paved recreational athletic facilities (including, but not limited to, tennis, basketball and volleyball courts) may not be erected, built or installed on any lot unless and until the plans and specifications therefor have been approved in writing
Conditional

Exterior changes & additions

Nothing gets built, placed or altered on a lot, and the lot's grade or drainage may not be changed, until the plan is approved by the architectural control committee. The submission has to show the floor plan, quality of construction materials, outside colors, how the design sits with existing houses, and placement relative to lot lines, topography and finish grade, including all pavement and the well and septic locations. One complete set of plans is submitted and kept by the developer's office. Approval or denial comes back in writing, with reasons given for a denial. Any paving at all, parking or recreational included, needs approval first. Nothing may deviate from the approved plans without the committee's prior written consent. Chimneys have to be masonry or exterior masonry veneer. Anyone submitting plans agrees not to sue the committee or the developer over the decision.

No building or other structure shall be erected, constructed, placed, maintained or altered on any lot, nor shall the natural topography or draining of any lot be altered, until the construction plan of the structure or for the topographical alterations have been approved by the Architectural Control Committee.
Conditional

Satellite dishes & antennas

A satellite dish is permitted only if it is less than two feet in diameter. Outside above-ground television, AM, FM and short-wave radio antennas of any type are prohibited. All utility service, electric, gas, telephone and cable television, has to run underground and not be visible.

No outside above ground television, AM, FM, or short wave radio antennas of any type shall be erected or maintained on any lots or structures in Emerald Chase, Section One . Satellite dishes are prohibited unless they are less than two (2) feet in diameter as determined by such supplier.
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

Every lot has to have an underground irrigation system able to water all cultivated areas, kept in working order and run enough to keep things growing. Lots are to be kept in good and orderly fashion with landscaping in keeping with the pattern of the subdivision, and may not be overgrown or weed infested. Side, front and rear yards have to be planted with grass, sod or ground cover within 120 days after the house is finished or occupied, whichever comes first, unless the committee approves otherwise; on wooded lots the strip between the tree line and the curb has to be planted too. If a lot is left overgrown, the association gives the owner ten days' notice and can then do the work and bill the owner. The committee has the exclusive right to approve or refuse any tree removal, for building, a driveway, landscaping or anything else, and trees to be cut are marked with orange spray paint with 48 hours' written notice before cutting. Each lot also carries a dusk-to-dawn post light of a committee-approved type, in front of the front setback line.

All lots must have underground irrigation systems capable of adequately watering all cultivated areas; the systems must be maintained in good working order and operated sufficiently to insure proper growing conditions.
Conditional

Mailboxes

A mailbox goes in front of each home, placed for easy mail and newspaper delivery and landscaped. It has to be similar in design and materials to the house, or as the developer determines, with a newspaper receptacle directly beneath it. The box or post carries brass numbers three inches tall on both sides so they read from traffic in either direction.

Said mailbox shall be of similar design and materials to match the home (or to be determined by the Developer) designed with a news paper receptacle directly beneath the mailbox. The mailbox or post shall have brass numbers three (3) inches tall on both sides of the mailbox or post

How you can live here

Conditional

Pets

Dogs, cats and other household pets are permitted as long as they are not kept, bred or maintained for any commercial purpose and are not allowed to become a neighborhood nuisance or hazard. No livestock or poultry of any kind. No vicious or attack-trained dogs. The covenants set no limit on how many pets, and say nothing about leashing or kennels; a detached pet shelter is treated as a detached building, so it needs approval and falls under the 10-foot-by-12-foot cap.

No animals, livestock or poultry of any kind shall be raised, bred or kept on any lot, except dogs, cats or other household pets may be kept, provided they are not kept, bred or maintained for any commercial purposes and are not permitted to become a neighborhood nuisance or hazard in any manner. No vicious or attack trained dogs shall be kept on any lot.
Conditional

Renting your home

A lease of a dwelling needs prior approval, and no lease may run longer than one year. The covenants put that approval with the developer. Control of Sections One and Three was turned over to the association effective December 31, 2011, so for those sections ask the association who signs off now. There is no stated cap on how many homes may be rented.

No leases of any dwelling units may be entered into without the prior approval of the Developer and no such lease may have a duration of longer than one (1) year.
Conditional

Basketball hoops

A basketball court, named alongside tennis and volleyball courts, may not be built or installed on a lot until plans and specifications are approved in writing by the architectural control committee, and any lighting for it needs that same approval. The paragraph reaches permanent or paved athletic facilities; a portable hoop that is not built or paved in is not addressed.

In-ground pools and permanent or paved recreational athletic facilities (including, but not limited to, tennis, basketball and volleyball courts) may not be erected, built or installed on any lot unless and until the plans and specifications therefor have been approved in writing by the Emerald Chase Architectural Control Committee
Conditional

Yard signs

One sign of not more than five square feet advertising the home for sale or rent is the only sign a homeowner may display to public view. A builder may use a sign of any size to advertise the property during construction and the sales period, and the developer keeps the right to put up signs to promote the development. A sign promoting the sale of an undeveloped lot needs the developer's written consent.

No sign of any kind shall be displayed to the public view on any lot except one (1) sign of not more than five (5) square feet advertising home for sale or rent
Conditional

Street parking

No motor vehicle of any kind may be parked, kept or stored on any street or lawn area, and no vehicle may be parked on a street between 2:00 a.m. and 6:00 a.m. Campers, trailers, trucks, boats and snowmobiles may not be kept in open areas anywhere in the subdivision. Every house has to have a full-size attached garage holding at least two cars, and not more than three without the committee's written consent. Driveways have to be concrete, at least four inches thick and at least twelve feet wide; stone and cinder driveways are not permitted, and any additional paving needs approval.

No motor vehicles of any kind or description may be parked, kept, stored or otherwise maintained on any street or lawn area, nor may any vehicle be parked on any street between the hours of 2:00 o'clock a.m, and 6:00 o'clock a.m.
✗ Not allowed

Running a business from home

The paragraph headed Home Occupations says a lot may not be used for any purpose other than a single-family residence, and the land-use paragraph allows only one single-family dwelling of no more than two and a half stories plus a private garage. The covenants carve out no exception for a home office or a business run from the house, and they make no distinction between one with customers coming and going and one without. The one commercial use the documents do allow is the developer's, which may use a lot for realty sales and promotion.

Home Occupations. No lot or lots shall be used for any purpose other than a single-family residence.
Conditional

Short-term rentals (Airbnb)

The covenants never use the words short-term, vacation or nightly rental. What they do say is that no lease of a dwelling may be entered into without prior approval, and no lease may run longer than a year, so a short stay is a lease that still needs that approval. There is no stated minimum number of nights. Ask the association before counting on it.

No leases of any dwelling units may be entered into without the prior approval of the Developer and no such lease may have a duration of longer than one (1) 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.

We can find out →
Conditional

Trash & recycling containers

Trash, garbage and other waste may be kept only in sanitary containers, and the storage and disposal equipment has to be kept clean. A lot may not be used as a dumping ground for rubbish, grass clippings, leaves, tree limbs or compost, and clippings, leaves and other waste may not be dumped on anyone else's property in Emerald Chase; debris left anywhere in the subdivision can be cleaned up at the offender's expense. Trash pickup is to happen on one specified day each week, with the association choosing the day by majority vote. Open burning is prohibited on any lot, in incinerators, containers or otherwise, and that covers trash, waste, refuse, building materials, leaves, tree limbs, grass clippings and debris.

Trash, garbage or other waste shall not be kept except in sanitary containers. All equipment for storage or disposal of such materials shall be kept in a clean sanitary condition.
Conditional

Grilling & outdoor cooking

Inside an otherwise flat ban on open burning, the covenants permit a campfire or barbecue pit up to three feet in diameter, burning clean wood or charcoal. Nothing is said about gas grills.

The homeowner shall be permitted to have a campfire (or barbecue) pit up to three (3) feet in diameter for clean burning wood or charcoal.
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 Restrictions, Covenants, Limitations, and Easements for Emerald Chase, Section One, Elkhart County, Indiana, as amended in 2011
Recorded asEmerald Chase, Section One Protective Restrictions, Covenants, Limitations, and Easements, recorded January 14, 2005 as Instrument Number 2005-01282
Plat of Emerald Chase Section One, recorded December 13, 2004, Plat Book 29, Page 88, as Instrument Number 2004-41268
Amendment to Emerald Chase, Section One Protective Restrictions, Covenants, Limitations, and Easements, recorded 2011 as Instrument Number 2011-18134
Declaration of Turnover Date, recorded 2013 as Instrument Number 2013-2542, effective December 31, 2011
Emerald Chase, Section Two covenants, Instrument Number 2005-01283
Emerald Chase, Section Three covenants, recorded September 12, 2005 as Instrument Number 2005-29054
Emerald Chase, Section Four covenants, Instrument Number 2006-09442
Declarant of the 2005 covenants: Pheasant Ridge Development Co., Inc.
How it was readThe recorded copies on file are scans of paper with no digital text, so they were read by optical character recognition across three filings totalling 112 pages. That can misread individual words, which is why nothing on this page is presented as a direct quote.
Checked againstThe Section One covenants were read against the separately recorded covenants for Sections Two, Three and Four, and against the 2011 amendment and the 2013 turnover declaration. On all 22 topics below the four sections carry the same wording. The 2011 amendment rescinds and replaces only paragraphs 1 and 24, renaming the committee and the association, and ratifies every other paragraph, so no answer below turns on which instrument was used.
The associationThere is an association, and which one depends on which section of Emerald Chase the home sits in. The 2005 covenants for every section created the Emerald Chase Homeowner's Association, Inc., an Indiana corporation, with every lot owner a member and one vote per lot. A 2011 amendment to the Section One covenants rescinded that paragraph and replaced it: for Emerald Chase Section One and Section Three, and expressly not for Section Two or Section Four, the association is the Emerald Downs Homeowner's Association, Inc., and the review body is the Emerald Downs Architectural Control Committee. So a buyer in Section One or Three should expect the Emerald Downs name on the paperwork. What the association maintains: all park areas, street lighting, and any security services it decides on. Common areas, including entrance landscaping, sprinklers, ponds, mounded plantings, walking paths, and drainage and retention areas, are to be maintained by a local professional maintenance company the association elects, paid out of annual dues. The association also has an obligation to keep the environmental side of the property, common areas and ponds included, in the members' interest, and the right to stop owners from polluting. Assessments: the covenants cap total dues and assessments at two hundred dollars per lot per year, levied equally on every lot, and the 2011 amendment restates that same cap. That is the ceiling the document sets, not necessarily what is being charged today, and the figure dates to 2005 and 2011, so ask the association what the current dues actually are. Dues are billed on a date the board sets, and unpaid dues become a lien on the lot, enforced the way a mechanic's lien is under Indiana law, subordinate to a first mortgage. Anything past due carries twelve percent interest starting thirty days after it is due, plus attorney's fees. A buyer or lender can rely on a certificate signed by the association's president or secretary showing what is owed as of that date. Approvals and enforcement: nearly every exterior decision runs through the architectural control committee, three people appointed by the developer, and the covenants say the committee's decision is entirely within its discretion. Enforcement rights sit with each lot owner, with the association, and with the developer; remedies named are injunction, removal of an offending structure by due process, a civil action for damages, and any other relief at law or in equity. If the association or the developer hires counsel to enforce, the losing lot owner pays the costs including reasonable attorney's fees, and that becomes a lien on the lot too. For overgrown or rubbish-strewn lots the association gives ten days' notice to fix it and can then do the work and bill the owner. Control of Section One and Section Three passed from the developer to the association effective December 31, 2011, recorded in 2013. Several paragraphs still read 'the Developer' for approvals, including the lease approval; for those two sections that role now sits with the association, and it is worth confirming with them before relying on it. The covenants run with the land and renew automatically in ten-year terms unless owners of at least fifty-one percent of the lots vote to change them.

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