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Keystone Pointe

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

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

What you can build and change

Conditional

Fences

A fence is named directly: no fence may be commenced, erected, maintained, improved or altered without the prior approval of the Architectural Control Committee. The committee is three or more owners appointed by the board, and it takes reasonable effort to approve, modify or disapprove an application in writing within 30 days of receiving it with all plans and specifications. A denial, or a failure to act inside the 30 days, can be appealed to the board in writing within 30 days, and the board can reverse or modify by a three-fourths vote. No height, material or setback standard is written into the declaration itself, so those standards live in the committee's own rules and the board's Policies - ask for them before you plan a fence.

No Dwelling Unit, fence or other structure shall be commenced, erected, maintained, improved, altered, made or done by an Owner without the prior approval of the Architectural Control Committee
Conditional

Sheds & outbuildings

The documents never use the word shed or outbuilding. What they do say is that no structure may be erected or altered on a dwelling unit site without the prior approval of the Architectural Control Committee, and a shed is a structure. This is a villa and cluster-home community where the association mows and maintains the lawns and most of the ground around the homes, so where a shed could even go is a question for the committee. Ask the association for the committee's current standards rather than assuming a shed is available.

No Dwelling Unit, fence or other structure shall be commenced, erected, maintained, improved, altered, made or done by an Owner without the prior approval of the Architectural Control Committee
✗ Not allowed

RVs, boats & trailers

The list is long and flat: no boats, campers, trailers of any kind, buses, mobile homes, trucks other than pickups, motorcycles, mini bikes, mopeds, or any vehicle other than a normal passenger automobile may be stored anywhere in the community. The one carve-out is storage completely enclosed within a garage. No loading or short-stay window is written into the covenant.

No boats, campers, trailers of any kind, buses, mobile homes, trucks (excluding pickups), motorcycles, mini bikes, mopeds, or any other vehicles of any description other than normal passenger automobiles shall be stored anywhere on the Real Estate; provided, however, that nothing herein shall prevent the parking or storage of such vehicles completely enclosed within a garage.
Conditional

Swimming pools & hot tubs

A pool is never mentioned anywhere in these documents. What governs is the general architectural rule: no improvement, excavation or change in grade that alters a dwelling unit site from the state it was in when the developer first conveyed it may be done without prior approval of the Architectural Control Committee. Two other clauses bear on it - the covenant says no recreational toys or equipment are permitted in the community unless the association provides them, and the yards are association-maintained. Treat a pool here as an open question to put to the board in writing, not as something the covenant allows.

No improvements, alterations, repairs, changes of color, excavation, changes in grade or other work which in any way alters any Dwelling Unit Site or the improvements located thereon from the natural or improved state existing on the date such Dwelling Unit Site was first conveyed in fee by Windshire to an Owner shall be made or done without the prior approval of the Architectural Control Committee
Conditional

Exterior changes & additions

This is the center of the covenant. Nothing that alters a dwelling unit site or the improvements on it from its original conveyed state may be done without prior approval of the Architectural Control Committee - improvements, alterations, repairs, color changes, excavation, grade changes. Repainting any part of the exterior a different color or shade needs the committee's written approval separately. Nothing may be affixed to exterior walls, roofs or any other part of a dwelling unit without prior consent of the board. The committee works to answer in writing within 30 days; appeals go to the board within 30 days and take a three-fourths board vote to overturn. A fine imposed by the committee that goes unpaid more than 30 days becomes a lien on the property.

No improvements, alterations, repairs, changes of color, excavation, changes in grade or other work which in any way alters any Dwelling Unit Site or the improvements located thereon from the natural or improved state existing on the date such Dwelling Unit Site was first conveyed in fee by Windshire to an Owner shall be made or done without the prior approval of the Architectural Control Committee
Conditional

Satellite dishes & antennas

Satellite dishes are handled directly and the process is specific: before installing one, the owner completes an exterior change form and has to get approval from the association manager for the location of the dish. The board may adopt further policies on dishes and similar devices. Separately, no radio or television antenna may be affixed to exterior walls, roofs or any other part of a dwelling unit without prior consent of the board. No size limit is written into the declaration.

Prior to installing a satellite dish, the Owner must complete an exterior change form and before installation must receive approval from the Association Manager for the location of the dish.
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

Planting is controlled tightly here, and by a committee of its own. An owner may not remove, trim or prune any tree or shrub the developer planted without written approval of the Grounds Maintenance Committee, and may not plant any tree, shrub or other plant without that committee's prior approval. Flowers may only be planted in areas the board designates, and the board can set a more detailed flower standard. Additions to the original landscaping need board approval, and the board may condition that approval on the owner taking over the cost of maintaining and replacing whatever they add. The association itself waters, fertilizes, mows and reseeds the lawns and runs the irrigation system, with the cost in the assessments.

No owner shall remove, trim, or prune any tree or shrub planted by Declarant or Windshire without the written approval of the Grounds Maintenance Committee, nor shall any Owner plant any tree, shrub or other plant without the prior approval of the Grounds Maintenance Committee.
Conditional

Mailboxes

Mailboxes are the association's, not the homeowner's. Installation, repair, replacement, maintenance and upkeep of the mailbox structures and the mailboxes or mail receptacles on them - including those sitting in the street right-of-way - is association work paid for out of the assessments, and their placement is fixed on the recorded plans. Nothing in the documents gives an owner the right to swap one out or move it; that would be an exterior change and would go to the committee.

installation, repair, replacement, maintenance and upkeep of mailbox structures and mailboxes or mail receptacle appurtenant thereto, including those located in the street right-of-way

How you can live here

Conditional

Pets

Dogs, cats and customary household pets are permitted in a dwelling unit. No livestock or poultry, and no pet kept, bred or maintained for any commercial purpose. Pets go outdoors only under leash or other restraint - the covenant says specifically that tethering a pet outside the dwelling unit site does not count as attended - and must be taken to a roadway or a designated area to relieve themselves. The owner is fully liable for injury or damage the pet causes. The board may require a pet security deposit in an amount it sets, refundable when the pet leaves for good, less any damage. A pet the board judges to be a nuisance or an unreasonable disturbance has to be permanently removed within 10 days of written notice. No breed list, weight limit or number limit is written into the declaration, and the board may adopt further pet rules.

No animals, livestock or poultry of any kind shall be raised, bred or kept in any Dwelling Unit or on any Dwelling Unit Site or any of the Common Areas or Limited Common Areas, except that pet dogs, cats or customary household pets may be kept in a Dwelling Unit, provided that such pet is not kept, bred or maintained for any commercial purpose and does not create a nuisance.
Conditional

Renting your home

Renting is contemplated - the covenant refers to tenants, renters and leases throughout - but it is not left open. Use is exclusively single-family residential, and the board is expressly empowered to adopt Policies regulating occupancy and further regulating rental arrangements, which means restrictions can exist outside the recorded declaration. Any prospective owner, regular occupant or renter of adult age has to take part in the association's orientation program before acquiring or renting, and the sale or occupancy agreement is conditioned on it. The declaration sets no cap on the number of rentals and no minimum lease term, so ask the association for the current rental policy.

All Dwelling Unit Sites and Dwelling Units shall be used exclusively for single family residential purposes. The Board is authorized and empowered to develop additional Policies dealing with the use and regulation of Dwelling Unit Sites and Dwelling Units, regulations or controls on occupancy thereof, to include further regulation of rental arrangements.
✗ Not allowed

Basketball hoops

Basketball goals are not named, but the clause that covers them is broad and flat: no swing sets, sand boxes, or recreational toys or equipment are permitted anywhere in the community unless the association provides them. The same paragraph says only common areas specifically designated for recreation may be used for recreation and that a dwelling unit's lawn is in no event a recreation area. A pole-mounted or roof-mounted goal would also need board consent as something affixed to the home.

No swing sets, sand boxes, or recreational toys or equipment shall be permitted on the Real Estate unless provided by the Corporation.
Conditional

Yard signs

One for-sale sign is permitted, with a size cap written right into the covenant: an owner may put one standard yard sign advertising the property for sale on the lawn of the dwelling unit site or in a window, and it may not exceed 18 by 24 inches. The association keeps the right to place for-sale or for-lease signs around the community for unsold or unoccupied units. Any other sign - anything affixed to an exterior wall, a roof or another part of the home - needs prior consent of the board. Political, contractor and security signs are not addressed.

Owners may install on the lawn of their Dwelling Unit Site or in a window of the Dwelling Unit Site one (1) standard yard sign advertising their Dwelling Unit Site for sale; provided, however, that such sign shall not exceed 18" by 24" in size
Conditional

Street parking

Street parking is capped at twelve consecutive hours, and the covenant closes the obvious workaround: the same person may not park on the street on successive days even if each stay is under twelve hours. Only normal passenger automobiles may be kept in the community at all; everything else has to be completely enclosed in a garage. Designated guest parking is not for owners' personal use, and a visitor using a guest space should keep it to one week - beyond that the visitor needs written permission from the association manager.

No cars shall be parked on a street for more than twelve (12) consecutive hours nor shall the same person park his/her car on the street for successive days, even if the parking period is less than twelve (12) consecutive hours.
✗ Not allowed

Running a business from home

The ban is unusually wide. No industry, trade, commercial or educational activity - whether it is for profit or not - may be conducted, practiced or permitted anywhere in the community. Use is exclusively single-family residential. The covenant draws no line for a home office with no clients, no signage and no traffic, so how this reads for quiet remote work is a question for the board.

No industry, trade, commercial or educational activity, designed for profit, altruism or otherwise, shall be conducted, practiced or permitted on the Real Estate.
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 allowed

Vehicle repair in the driveway

Flat prohibition, and it reaches the family car: no repair work may be done on any vehicle anywhere in the community, passenger vehicles included. No exception is written in for work inside a closed garage.

No repair work shall be done on the Real Estate on any vehicles, including passenger vehicles.
Conditional

Trash & recycling containers

Containers live inside - inside the dwelling unit or the garage - and may not go out earlier than 5:00 a.m. on the day of scheduled collection. Garbage goes in sealed disposable plastic bags or other containers, and it is set out at the locations the board designates rather than wherever is convenient. The covenant does not say when cans have to come back in, so check the board's current policy.

All garbage, trash and refuse shall be stored in appropriate containers inside the Dwelling Units (including garages) and shall be kept therein until not earlier than 5:00 a.m. of the day of the scheduled trash collection.
Conditional

Grilling & outdoor cooking

Grills are named and permitted, with a placement limit. The covenant lists what may be kept on a patio or deck - patio or deck furniture, barbecue or similar grills, plants and minimal decorative items - and requires the patio or deck to be kept neat, clean and free of debris. Nothing is said about grilling on the lawn or in the common areas, or about fuel type and clearance from the building, which in attached villas and clusters may also run into the insurance clause: nothing may be done that increases the insurance rate on any dwelling unit.

only patio or deck furniture, barbecue or similar grills, plants and minimal decorative items may be kept on the patios or decks of any Dwelling Unit
✗ Not allowed

Clotheslines

Line drying outside is out. No clothes, sheets, blankets, rugs, laundry or other things may be hung out where they are visible from any common area, any limited common area or any public street. The covenant does not name the line itself, but a clothesline visible from anywhere in the community has nothing it could be used for.

No Clothes, sheets, blankets, rugs, laundry or other things shall be hung out so as to be visible from any part of the Common Areas or Limited Common Areas or any public street.
Conditional

Flags & flagpoles

Flags are not named, and two clauses pull on the question. Nothing, ornaments included, may be hung or displayed on the outside of windows or on an outside wall - except that wreaths and other decorative items are permitted on the front door, porch, wall, or walls extending from the front porch. And nothing may be affixed to exterior walls, roofs or any other part of a dwelling unit without prior consent of the board, which is what a flag bracket is. A flag on the front porch may read as a permitted decorative item; a mounted bracket or a flagpole is the board's call. Ask before you drill.

Nothing, inclusive of ornaments, shall be hung or displayed on the outside of windows or outside wail of any Dwelling Unit except wreaths and other decorative items are permitted on the front door, porch, wall, or walls extending from the front porch.
Conditional

Window coverings & decorations

There is an actual standard here, and it is about uniformity: exterior windows have to have light colored window treatments if treatments are used at all, so that every home presents a uniform appearance from outside. Separately, nothing - ornaments included - may be hung or displayed on the outside of windows, though wreaths and other decorative items are permitted on the front door, porch and the walls extending from the front porch. No particular shade of light is specified, so ask the association what it has accepted.

Exterior windows at a Dwelling Unit shall have light colored window treatments (if used) to present a uniform appearance at each Dwelling Unit.

Where these answers come from

The documentKeystone Pointe, A Planned Unit Development - Restatement and Amendment of Declaration of Covenants, Conditions and Restrictions (Instrument 2017-21380, Elkhart County)
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 associationKeystone Pointe is run by Keystone Pointe Homeowners Association, Inc., an Indiana not-for-profit corporation, and membership is automatic - every owner of a dwelling unit site is a member, with one vote per site no matter how many people are on the deed. The community was developed by Windshire Corp., which recorded the original declaration in 2000 and turned management over to the owners effective July 1, 2007 under a recorded Turnover Agreement (Instrument 2009-01002). The association is now the Successor Declarant, so there is no developer-control period left to wait out. It covers Lots 1 through 14 and 24 through 82 across Keystone Pointe, Keystone Pointe Second and Keystone Pointe Third. This is a maintained community, and that is most of what the dues buy. The association is responsible for the lawns of every dwelling unit site - watering, fertilizing, mowing and reseeding - plus the lawn irrigation system and the electric post lights, and the care of trees and shrubs the developer planted. It also maintains the private streets, sidewalks, driveways, parking areas and parking lights, the ponds and storm water retention areas including water quality treatment, the mailbox structures and mailboxes, the light standards, and the decks, patios, porches and steps that fall in the common and limited common areas. Snow removal from walks, drives and certain private streets is part of the association's job, and it carries insurance for the community. Villa and attached villa owners are responsible for maintaining, repairing and replacing their own homes. Owners in a dwelling unit cluster - a duplex, triplex or fourplex - split the list with the association under a detailed schedule in Article VII, with interior lines, wiring, drywall, cabinetry and fixtures on the owner. Two committees do most of the day-to-day approving. The Architectural Control Committee is a standing committee of three or more owners; the chair and the members are appointed by the board for two-year terms, up to three consecutive terms. It regulates external design, appearance, use, location and maintenance, and it makes reasonable effort to approve, modify or disapprove an application in writing within 30 days of receiving the application with all required plans and specifications. If it does not act within 30 days, or if an owner disagrees with its decision, there is a written appeal to the board within 30 days, and the board can reverse or modify only by a three-fourths vote of the directors serving. Any owner can petition the committee in writing to enforce its rules against another owner; the committee then holds a hearing on at least three days' notice and may impose sanctions, including directing the removal of a non-conforming structure. A monetary fine or penalty that stays unpaid more than 30 days after written notice becomes a lien on that owner's dwelling unit site, which the board may foreclose or collect. The Grounds Maintenance Committee is the one to go to about planting, removing, trimming or pruning trees, shrubs and plants. On enforcement generally, the declarant, the board or any owner may enforce the covenants and pursue any remedy at law or in equity without proving actual damages, including an injunction and the removal by due process of any structure that does not comply, and may recover reasonable attorney fees and costs. Before most lawsuits, though, Article XVI and Indiana's homeowners association grievance-resolution statute apply: written notice of the claim, a meeting and negotiation, then mediation or arbitration. Assessment collection and emergency injunctions are exempt from that process. The bylaws add an internal step - owner disputes about maintenance and use go to the board or a committee it appoints, to be resolved within 30 days, and the board's determination is final and conclusive on the owners even if an owner does not appear. On assessments, the recorded documents give the process but not a dollar figure. The board prepares a proposed annual budget and the owners address and approve it at the annual meeting, held in the fourth quarter after the close of the preceding fiscal year. The regular assessment is paid in advance in equal monthly installments starting the first day of the first month of the fiscal year, and the board may set quarterly, semiannual or annual payment instead. There are also special assessments, including ones tied to particular homes and ones for capital items or for casualty repair costs insurance does not cover. Unpaid assessments become a lien on the dwelling unit site and the owner is personally liable; the board may accelerate the entire unpaid balance, foreclose the lien like a mortgage, sue for a money judgment, have a receiver appointed to collect rent on a rented home, and recover attorney fees plus interest at one and one-half percent per month or two percent per month above the Wall Street Journal prime rate, whichever is higher. The assessment lien is subordinate to a first mortgage. Membership can be suspended or terminated once a delinquency stays uncured for more than six months. Because no dollar amount appears in the declaration or the bylaws, ask the association or its management company for the current figure, what it covers, and whether any special assessment is pending. Two practical things a buyer should know. First, the covenant requires any prospective owner, regular occupant or renter of adult age to take part in the association's orientation program before acquiring, purchasing or renting, and says the sale or occupancy agreement is conditioned on it. Second, the declaration repeatedly authorizes the board to adopt Policies - on noise, pets, flowers, satellite dishes, rentals, trash locations, outside display and more - so a real share of the day-to-day rules here sits outside the recorded documents. Ask for the current Policies, the architectural committee's standards and the exterior change form along with the resale disclosure.

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