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Lafayette Falls

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

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

Before you rely on this page

READ FROM DISK, NOT FROM THE EXTRACTION INPUT. Eleven OCR sets sit under this slug and four of them, hoa__lafayette-falls__6, __7, __10 and __11, twenty pages in all, are not Lafayette Falls at all. They declare AUGUSTINE LAKE ESTATES, instrument 0734665 and its 2010 First Amendment, and they reached this slug because MLS listing 202431556 had another subdivision covenants attached to it. Nothing from those four documents is used here. The input reader warning listed all six of its missing documents as belonging to this neighborhood; four of the six do not. Of the seven sets that are genuinely Lafayette Falls, __3 is byte-identical to __2 and __5 to __4, and __9 is a seller disclosure form rather than a covenant. The 40-page set hoa__lafayette-falls is not one document but four recordings scanned together: the 2004 declaration for home sites 1-34, 185-186, 202-207, 215-221 and 262-265 on pages 000-013; the 2009 fencing amendment 0923949 on pages 014-016; the 2011 Lafayette Falls Villa Association declaration 1109119 on pages 017-034; and its 2011 amendment 1110828 on pages 035-039. Pages 020-023 of that bundle are a homeowner roster with names and street addresses, and nothing from those pages appears here. Which instrument governs was settled by looking at the page image: page 000 of hoa__lafayette-falls__4 carries the handwritten instrument number 1617343 and a handwritten note reading Replaces covenant on file 0448798, which the OCR renders as unreadable noise. Two documents were folded in from sibling slug folders and are labelled by lot range wherever they are used: the 2021 Phase IV, Section Two declaration 2021-21812, which sits on disk under lafayette-falls-f and lafayette-falls-lafayette-falls-lots-405-406, and the Lafayette Falls Villa Association documents. The villa, boulevard and Phase IV slugs are not separate neighborhoods; the 2016 covenant defines all three as classes of home site inside the one Lafayette Falls subdivision. Before answering not stated on solar, flags, mailboxes and window decoration, page image 008 of hoa__lafayette-falls__4 was read by eye across the whole Miscellaneous Provisions article. The OCR had dropped only the paragraph letters, and the document really is silent on those subjects.

What you can build and change

Conditional

Fences

Fencing must be white PVC or a similar product. Any other color or pattern needs Architectural Control Committee approval, and a wood or metal fence needs the committee unanimously. Perimeter fencing may be no more than four feet high, is allowed only along the side yards and the back yard, and needs prior written approval of style and location before construction. A privacy fence no more than six feet high may be built around a patio next to the home, again with prior written approval. Water feature homes, the ones with a W in front of the lot number, may not have any fencing of any type in the back yard. Two sections are stricter: on villa lots 1-17 and 222-261 the villa association allows no perimeter fencing at all, only a patio privacy fence up to six feet, and in the Boulevard section the 2016 covenants require white fencing with a door at the east and west sides of the courtyard, matching the fences already there.

All fencing must be white PVC or similar product. Any colors or patterns other than white, must be approved by the ACC. No wood or metal fences shall be permitted without the unanimous approval of the ACC. 1, Perimeter fencing that does not exceed four (4) feet high, may be permitted upon the prior written approval of the style and location by the ACC prior to the construction of the fence. Perimeter fencing shall be allowed exclusively for the side yards and back yard of a home site.
Conditional

Sheds & outbuildings

A detached storage building or pet shelter is allowed but may not exceed 10 feet by 12 feet, must be located in the rear yard, must be quality construction that blends with the established home, and must go to the Architectural Control Committee for written approval before construction begins. The committee may require protective screening around it. The 2020 rules add that lawn mowers, tractors, ladders and other lawn or garden equipment must be kept in the garage or an association-approved shed rather than anywhere out in the open, including on the owner own property. On villa lots 1-17 and 222-261 the villa association allows no detached buildings at all.

The construction and placement of any detached storage (which shall not exceed 10' X 12') or pet shelter structures 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, and must be maintained in attractive and neat appearance and blend with the established home and be submitted to the Architectural Control Committee for written approval before beginning construction
Conditional

RVs, boats & trailers

An RV, boat, pontoon, personal watercraft, camper, trailer or commercial truck may be kept anywhere in Lafayette Falls for no more than three days, and the rules define that window as beginning Friday and ending Sunday. Anything still there Monday through Thursday is a violation with its own fine schedule. A seven-day stay may be requested from the Board by mail or email at least seven days in advance, and after one is used, at least thirty days must pass before another can be approved. For the 61 home sites in Phase IV, Section Two the 2021 declaration is flatter: recreational and commercial vehicles such as campers, trailers, trucks or boats may not be kept in open areas at all.

No RV’s, boats, pontoons, personal watercraft, campers, trailers, commercial trucks or any similar type of vehicle determined by the Board to fall into one of these categories, may be stored anywhere in the Area of Lafayette Falls for longer than 3 days beginning Friday (ending Sunday). Any presence observed Monday through Thursday will constitute a violation
Conditional

Swimming pools & hot tubs

In-ground pools are permitted but must have a pool cover capable of meeting governmental safety codes. Above-ground pools and tennis courts are not permitted. A children pool is allowed if it is no more than 15 inches high and 6 feet in diameter, and it must be stored in the house or garage or out of sight from the street when it is not in use. A pool is also an exterior change, so the Architectural Control Committee and the Board approve it in writing before work starts. The villa rules match on pools, and add that no pool may be enclosed with a fence.

Tennis Courts and Pools. No tennis courts or above ground pools shall be permitted. In-ground pools are permitted but must have a pool cover capable of meeting all governmental codes and regulations for safety. Children’s pools of no more than 15 inches in height and 6 feet in diameter are permitted but must be stored within the house, garage or out of sight from the street when not in use.
Conditional

Exterior changes & additions

Every change to the exterior of a home or its grounds must be submitted to the Architectural Control Committee and approved by both that committee and the Board before any construction begins. A verbal approval is null and void. Applications go in writing with architectural or engineering drawings and specifications, and the Board may require further written or pictorial documentation. Work must be professionally constructed by a bonded contractor with City of South Bend permits. An approval expires automatically three months after it is granted unless the work has commenced and is progressing, and once work is complete the Board has ninety days to inspect it. Unapproved or non-conforming work may be ordered removed, with fines or a hired contractor at the owner cost if it stays.

All changes to the exterior of the structures and grounds of homes must be submitted to the Architectural Control Committee (ACC) of the Association Board and approved by both the ACC and the Board in advance of any construction. Applications for external modifications shall be submitted in writing along with the Architectural and/or Engineering drawings and specifications. Approval based upon verbal application shall be null and void
Conditional

Satellite dishes & antennas

Outside above-ground TV, AM, FM, Citizen Band and short wave radio antennas are not permitted anywhere in the subdivision. A direct broadcast satellite dish no more than one meter in diameter is permitted, and a local TV antenna is permitted if it is no larger than that. The system must be placed, so far as feasible, where it is not visible from the street or other common property, and no antenna or pole may be installed in the ground in the front yard, which the covenants define as everything from the street curb up to the front wall of the house or garage. The Architectural Control Committee may require the owner to pay for shrubbery or other screening and for color matching, so long as that does not unreasonably impair the installation, maintenance or use.

No outside above-ground TV, AM, FM, Citizen Band (CB) or short wave radio antennas of any type shall be erected or maintained on any home sites or structures in the Lafayette Falls subdivision. As concerns satellite dish installation, a property owner may erect a direct broadcast satellite (DBS) dish that is not more than one meter in diameter.
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

The side, front and rear yards of every home site must be planted with grass seed or sod unless the Architectural Control Committee has given prior written approval for another ground cover. Grading and seeding must be completed by the time of occupancy, or if the season does not permit, as soon as practical and no later than June 15 following occupancy. Drainage swales, easements and road ditches must be left open. Owners must keep the lawn mowed, remove debris and dead trees and stumps, and keep the place from becoming unsightly; if an owner does not, the association may enter, mow or clean, and add the cost to the annual assessment. For the 61 home sites in Phase IV, Section Two the 2021 declaration adds a landscaping plan approved by the committee within six months of closing, shrubs on the front and both sides of the house, and a ban on lawn ornamentation without prior written approval.

Landscaping. 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 utilizing the procedures outlined in paragraph IV. Grading and seeding for grass or sod must be completed by the time of occupancy, however, if the time of year does not permit, sodding and/or seeding must be completed as soon as practical and in no event later than June 15 following occupancy.
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

Each home may keep no more than three domesticated pets. Kennels are not permitted. A dog exercise area must be approved, must be of limited size and close to the side or rear of the house, and may have fencing up to six feet high if the Architectural Control Committee approves it. Owners are responsible for immediate clean-up of animal waste in their own yard and everywhere else in the community, including the common areas. Off the owner property a dog must be on a leash held by an adult capable of controlling it. Patios and yards may never be used as living areas for pets or as a place a pet is left alone all day or overnight. No animals or poultry may be bred or kept for commercial purposes. A resident with a service animal is asked to notify the Board within seven days and to provide verification of the animal training and a doctor prescription. On villa lots 1-17 and 222-261 the villa rules cap it at two pets rather than three.

All City and County Animal Control Regulations shall be enforced in the Lafayette Falls community. B. Each home may maintain no more than three (3) domesticated pets.
Conditional

Renting your home

Renting is permitted, with a reporting duty attached. An owner who leases or rents out a home must give the Board the tenant name, address and telephone contact, plus the owner own emergency contact details, within ten days of the tenancy starting. The owner remains responsible for all fees, dues and fines, and for the tenant compliance with the rules. Owners must also give their tenants copies of the rules and regulations before the rental period begins. The villa association carries the same reporting rule for villa lots, and adds that an owner who has leased out the villa or no longer lives there may not serve as a board director.

Owners who choose to lease or rent their unit(s) to a tenant shall provide the Board with the name, address and phone number of the tenant and the emergency phone number and address of the owner within ten (10) days of the commencement of tenancy. The owner shall remain responsible for the payment of all Fees, Dues and Fines.
Conditional

Basketball hoops

The subdivision-wide covenants and the 2020 rules do not mention basketball hoops. For the 61 home sites in Phase IV, Section Two, which are 304-313, 340-381, 393, 394, 417-420 and 436-438, the 2021 declaration does: a basketball hoop, soccer goal, swing set or sandbox is prohibited without prior written permission from the Architectural Control Committee as to type and location, and an owner is limited to no more than two items of sporting or recreational equipment per home site. Elsewhere in Lafayette Falls a hoop would still be an exterior change, which the 2020 rules require the committee and the Board to approve in advance.

Sports or Recreational Equipment. Any sport or recreational equipment, such as, but not limited to, basketball hoops, soccer goals, swing sets and sandboxes, are prohibited without prior written permission as to type and location of the equipment by the Architectural Control Committee, and is limited to no more than two (2) items of sporting or recreational equipment per home site.
Conditional

Yard signs

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 signs may be displayed within the two weeks before the election they pertain to and must be removed within twenty-four hours after it. Approved builders and their agents keep the right to put up sales and promotional signs within the same size limit. A home occupation may not have any sign or display indicating the building is used for anything other than a dwelling.

No signs 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. Political signs may be displayed within 2 weeks prior to an election to which they pertain.
Conditional

Street parking

A non-operable vehicle may not be parked or stored outside the garage anywhere in Lafayette Falls. The rules treat a vehicle as non-operable if it is missing one or more tires or wheels, has sat on jack stands more than seven days without Board approval, or does not carry current registration tags. Those may be stored only wholly inside a garage and may be towed without notice at the owner expense. No vehicle of any type, including moving vans and service trucks, may be left unattended where it blocks access to another home, a driveway, a utility meter, a fire hydrant or any way in or out of the neighborhood. Minibikes, motorcycles, go-carts, golf carts, snowmobiles and tractors may not be operated in the neighborhood, the exception being duly licensed vehicles driven by licensed drivers on public roads. Recreational and commercial vehicles are covered by the separate three-day rule.

“Non-Operable” vehicles may not be parked or stored outside an owner’s garage or anywhere else within the Area of Lafayette Falls (whether developed or not). For purposes of these Rules and Regulations, several examples of “non-operable” vehicles would be any that are missing one or more tires/wheels or that are on jack-stand(s) for more than a 7-day period unless approval for additional days has been given by the Board.
Conditional

Running a business from home

A home occupation is allowed, but the covenants define it narrowly. Only a member of the immediate family living in the dwelling may be involved, the work must remain entirely within the dwelling and be clearly incidental and secondary to its use as a home, there may be no sign or display, no commodity may be sold on the premises, and nobody may be employed other than a family member living there. A barber shop, styling salon, beauty parlor, tea room, fortune-telling parlor, animal hospital or any form of animal care such as dog trimming is never a home occupation. The 2020 rules add that no commercial, business or professional office use may be conducted on a residential home site, the exception being the developer and builders using home sites for sales, promotion and construction.

Home Occupation. 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. A home occupation is defined as follows: 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)

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

Vehicle repair in the driveway

There is no outright ban on working on a vehicle, but there is a clock on it. A vehicle left on jack stands for more than seven days becomes a non-operable vehicle under the rules unless the Board has approved additional days, and a non-operable vehicle may not be parked or stored outside the garage anywhere in Lafayette Falls. The same applies to a vehicle missing one or more tires or wheels. Storage of those vehicles is allowed only totally within the garage, and one found elsewhere in the neighborhood may be towed without notice at the owner expense.

several examples of “non-operable” vehicles would be any that are missing one or more tires/wheels or that are on jack-stand(s) for more than a 7-day period unless approval for additional days has been given by the Board. Also falling into this category would be vehicles that do not bear current registration tags. Storage of these types of vehicles is only allowed totally within an owner’s garage.
Conditional

Trash & recycling containers

Trash, refuse and recyclables go directly into the bins the City of South Bend provides, with the cover firmly closed and overflow secured as the City directs. Bins must be stored in the garage or a shed, or in some way they cannot be seen from the street, other than when they are out for collection. Boulevard homes keep their bins away from the alleyway, inside the garage, in the courtyard or next to the house. Bins in every section must be brought back in within twenty-four hours of collection. No home site or empty lot may be used as a dumping ground, and anything not properly disposed of is removed by the association at the owner cost on top of any fine.

All trash, refuse, and recyclables must be secured and placed directly into bins provided by the City of South Bend, making sure to firmly close the cover over the bin with the exception of overflow items secured as dictated by the City of South Bend. C. Trash and recycle bins must be stored in home site garages/sheds or in a manner in which they are not viewable from the street, other than when bins are placed by the street or alleyway on collection days.
Conditional

Grilling & outdoor cooking

The documents set no rule about where or when you may grill. The one place a grill is named is the fuel storage clause, which bans oil and fuel storage tanks on a home site but expressly excepts portable, government-approved containers for LP gas grills and gasoline used for household purposes. The 2016 covenants separately say no fire may burn on any street or roadway in the neighborhood, and for the 61 home sites in Phase IV, Section Two the 2021 declaration adds that no open fires are allowed on any home site.

Fuel Storage Tanks. No oil or fuel storage tanks may be installed, stored or otherwise located on any home site, except portable, government-approved containers for LP gas grills or gasoline or other such materials used for household purposes.
✗ Not allowed

Clotheslines

Outdoor clotheslines are not permitted, and laundering or drying clothing, towels, sheets and the like on outdoor patios or in yards is prohibited. The villa association rules carry the identical prohibition for villa lots 1-17 and 222-261.

Exterior clotheslines are not permitted and the laundering and/or drying of clothing, towels, sheets, etc., on outdoor patios or in yards is prohibited.
Conditional

Flags & flagpoles

The subdivision-wide covenants and the 2020 rules do not mention flags or flagpoles. For the 61 home sites in Phase IV, Section Two, which are 304-313, 340-381, 393, 394, 417-420 and 436-438, the 2021 declaration treats a flagpole as lawn ornamentation: prohibited without prior written approval from the Architectural Control Committee, and if approved, the home site is limited to one item of lawn ornamentation. Elsewhere in Lafayette Falls a flagpole would fall under the general requirement that any exterior change be approved by the committee and the Board first.

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 and, if approved, is limited to one item of lawn ornamentation per home site.
✗ Not allowed

Window coverings & decorations

Outside coverings over windows, awnings included, are prohibited whatever their type or style; the only thing permitted is a standard-size window screen. Nothing in the covenants or the rules addresses curtains, blinds or other interior window treatments. In the Boulevard section the 2016 covenants add that windows facing into the adjacent house courtyard must be frosted, and that a white storm door is acceptable when 70 percent of the door is clear glass.

Outside coverings including but not limited to awnings installed over windows regardless of type or style, other than standard sized to fit window screens are prohibited.

Where these answers come from

The documentLFGRHOA Protective Restrictions, Covenants Limitations, Easements, Agreements and Charges for All Home Sites Within the Lafayette Falls Subdivision, instrument 1617343 (2016), read with the LFGRHOA Rules and Regulations effective February 16, 2020, the Code of Bylaws effective January 1, 2014, the 2021 Phase IV Section Two declaration 2021-21812, and the Lafayette Falls Villa Association covenants and rules revised November 17, 2014
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 associationTwo associations sit over Lafayette Falls, and which one you deal with depends on where the home site is. The subdivision-wide body is the Lafayette Falls General Resident Homeowners Association, the LFGRHOA, an Indiana not-for-profit. Anyone who takes a deed to a home site in Lafayette Falls becomes a member automatically and agrees to pay dues and follow the rules, with one vote per home site. The association manages and pays for the landscaped entranceway and other common areas, the ponds and streams in the development, including aeration, chemical treatment, water level and quality and control of weed and algae growth, and the dog park common area, including its water and electricity. It may also contract on owners behalf for snow removal from public and private sidewalks and for general property management, and bill that back through the annual assessment. The covenants divide the subdivision into three kinds of home site, and the distinction matters because the rules differ. Villas are lots 1-17 and lots 222-261. Boulevard Homes are lots 395 through 416 and 425 through 435. General Resident Homes are every remaining lot in the subdivision. Villa owners belong to a second association as well, the Lafayette Falls Villa Association Inc., the LFVA, which has its own covenants, bylaws and rules revised effective November 17, 2014, and which pays for snow removal from villa driveways and private sidewalks, lawn care, care of the original builder plantings and the irrigation system. Several villa rules are stricter than the subdivision-wide ones: no detached buildings at all, no perimeter fencing at all, and two pets rather than three. The 2020 LFGRHOA rules say in terms that they work alongside the LFVA rules and do not supersede them, so a villa owner is under both sets. Architectural control sits with a three-person Lafayette Falls Architectural Control Committee appointed by the Board, one of whom must be a Board member. Where there are no members to serve, the Board acts as the committee. Nothing that changes the outside of a house or its grounds may start before the committee and the Board have approved it in writing, and an approval based on a verbal application is null and void. Enforcement is spelled out in unusual detail in the 2020 rules. A violation has to be reported to the Board in writing or by email, or observed by the Board, and it is logged and investigated confidentially. The owner gets a first-class letter giving ten days to fix it. At the end of ten days it is a fifty dollar fine; at twenty days another two hundred dollars; at thirty days another two hundred dollars and the association may instruct its lawyer to begin placing a lien, with legal and court costs added to the account. After that it is two hundred dollars every twenty days, up to a ceiling of ten thousand dollars. A repeat of the same violation at any later date starts with an immediate hundred dollar fine. Once a fine or lien has been added to the annual assessment it cannot be removed even after the problem is fixed, unless a majority of the Board votes to remove it for extenuating circumstances. The association may also order non-conforming work removed at the owner cost. An owner or the association may go to court, and an owner who loses pays the attorney fees and takes a lien on the home site. On money: the bylaws set dues at two hundred twenty-five dollars per year per home site as of January 1, 2014, rising annually by the greater of three percent or the increase in the Consumer Price Index, and the 2016 covenants cap the maximum annual assessment the same way. Every new owner also pays a one-time, non-refundable seventy-five dollar membership initiation fee. Billing goes out each January and is due within thirty days; after January 31 there is a fifty dollar penalty and eight percent annual interest, and unpaid dues are a lien on the home site, subordinate to a first mortgage. The Board may levy special assessments, charged equally, for things such as excessive snow removal. Accounts, invoices and board minutes run through a Buildium web portal. A 2026 listing HOA disclosure form for a Lafayette Falls home reported recurring dues of two hundred seventy dollars a year, so the figure has moved since 2014. Ask the association for the current number, and for the separate LFVA fee, which villa owners pay monthly. Both the main association and the villa association publish a contact address in their rules; ask us and we will put the question to the right one. Two further details the documents raise that no single topic above covers. Mailbox style is not addressed anywhere in the current subdivision-wide documents; the older 2004 and 2005 villa-section declarations say the developer supplied and installed mailboxes for each home site in the villa section and made their upkeep an association expense. And the ponds are restricted: swimming, sail boating, motorized and non-motorized boats, fishing, ice boating, ice skating, snowmobiling, rafts and floats, and use of the water for lawn irrigation or as a heat pump source are all prohibited, and the water feature is reserved to the owners of the home sites on it, their household members and their invitees.

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