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Quail Valley at Knollwood Saddle Ridge

What the recorded documents actually say about Quail Valley at Knollwood Saddle Ridge in Granger — fences, sheds, pools, pets, parking and the rest — with the part of the document each answer comes from.

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

Before you rely on this page

STEP 0. The extraction input carries no truncation marker and no document is short: it holds three documents and all three match what is on disk page for page (13-page text layer; 12 OCR pages vs 12 page files; 5 OCR pages vs 5 page files). Nothing was windowed away. STEP 1. The name. No recorded instrument anywhere in this neighborhood's file uses the words Saddle Ridge. The three sales that created this slug are all on S Saddle Ridge Lane in Granger 46530, and the project's own St. Joseph County plat index carries QUAIL VALLEY AT KNOLLWOOD, SECT 2, SADDLE RIDGE REPLAT, approved 02/18/1988, Harris Twp, Recorded Y, Type Replat, plat number 2423. So Saddle Ridge is a 1988 replat inside Section Two of Quail Valley at Knollwood, not a separate subdivision, and the Quail Valley at Knollwood declaration governs it. The input's own third document is the recorded Section Two plat for part of the east half of the southwest quarter of Section 15, T38N R3E, Harris Township, showing lots in the 172-238 range, which is consistent. STEP 2. A NEWER INSTRUMENT GOVERNS AND IT WAS NOT IN THIS INPUT. The input's primary document is the 1989 declaration, Instrument No. 8909554, covering Sections One through Four. It has been restated. Instrument No. 9003681, executed February 11, 1990 by Adams Road Development Corp., repeats the same 36 paragraphs and extends them to Sections One through Six. It is not in this neighborhood's folder at all; it sits in the sibling slug quail-valley-at-knollwood at 202506943/C & R from title company..pdf, pages 35-53 of 53, image-only and never OCR'd. Those pages were rendered at 200 dpi and read by eye for this file: paragraphs 1 through 36 run without a gap, the execution and notary page is page 47, and pages 48-53 are the six pages of Exhibit A legal descriptions, ending with Section Six. Nothing later follows it in either copy of the package. Every verdict and every quote below comes from those pages of 9003681, not from the 1989 copy in the input, and the two texts agree word for word on every paragraph quoted here. STEP 0b. Because 9003681 is a scan, all thirteen of its body pages were read as images rather than as text, so each not_stated below is the document being silent, not the OCR. LAKE LOTS. A second recorded instrument, Additional Protective Restrictions, Covenants, Limitations and Easements for the Lake Lots in Quail Valley at Knollwood, Section Two and Section Four (St. Joseph Title Corp. stamp 8909553, April 1989), is the OCR'd document in this input. It is additional to, not a replacement for, the declaration above, and by its own title block it reaches only Lots 199 through 227 of Section Two and Lots 35 through 38 and 79 through 107 of Section Four. Whether a given Saddle Ridge lot is one of those could not be established from these documents, so none of the 22 verdicts below is based on it; what it adds is described in the association paragraph.

What you can build and change

Conditional

Fences

Perimeter fencing is limited to one of two kinds: a split rail fence two rails high and no more than four feet tall, or a privacy fence around the immediate patio no more than six feet, which has to match the architectural style of the house and be approved in writing by the Architectural Control Committee. Anything else needs a written variance from that same committee. Separately, no fence may sit in the sight triangle on a corner lot between two and six feet above the roadway.

The only perimeter fencing permitted shall be a split rail (two [2] rails high, not to exceed four [4] feet high) or a privacy fence around an immediate patio of not more than six (6) feet which must conform to present architectural standards as set by the style of home thereon built and be approved by the Architectural Control Committee in writing
Conditional

Sheds & outbuildings

A detached storage building or pet shelter is allowed, but it has to be quality construction, kept neat and attractive, blend with the house, and be submitted to the Architectural Control Committee for approval before construction starts. The committee may require protective screening around it. On a lot that backs the golf course, no such structure is permitted within thirty feet of the rear lot line. A shed may never be used as a residence.

The construction and placement of any detached storage 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 and must be maintained in attractive and neat appearance and blend with the established home and be submitted to the Architectural Control Committee for approval before beginning construction.
✗ Not allowed

RVs, boats & trailers

Campers, trailers, trucks and boats may not be kept in open areas anywhere in the subdivision, and the covenant says that applies whether the open area is on the owner's own lot or off it. Snowmobiles are prohibited outright, and recreational vehicles of any kind may not be used on the golf courses or the surrounding areas.

No recreational or commercial vehicles (campers, trailers, trucks, or boats) 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, and neither are tennis courts. The covenant does not ban an in-ground pool, but installing one alters the lot and so falls under architectural control: plans go to the Architectural Control Committee and construction cannot begin until it approves them in writing.

No tennis courts or above ground pools shall be permitted.
Conditional

Exterior changes & additions

Nothing may be built, placed, altered or even regraded on a lot until the Architectural Control Committee has approved the plans. Three complete sets go in, showing floor plan, quality of construction, materials, outside colors, how the design sits with the houses around it, and where it falls relative to lot lines, topography and finish grade. Two sets are kept and one comes back. Approval or refusal is always in writing, the decision is described as entirely within the committee's discretion, and no deviation from approved plans is allowed without its prior written consent.

No building or other structure shall be erected, constructed, placed, maintained, or altered on any lot, nor shall the natural topography or drainage of any lot be altered, until the construction plans for the structure or for the topographical alterations have been approved by the Architectural Control Committee.
✗ Not allowed

Satellite dishes & antennas

Outside above-ground antennas are prohibited, and the covenant names satellite dishes specifically: no television, AM, FM or short wave antenna of any type, including any type of satellite dish, may be erected or maintained on a lot or on a structure. All utility service, including cable television, has to run underground and stay out of sight. Federal rules on antenna installation have changed a good deal since 1990, so ask the association how this one is handled now.

No outside above-ground television, A.M., F.M., or short wave radio antennas of any type, including but not limited to any type of satellite dish antenna, shall be erected or maintained on any lots or structures in this subdivision.
Not stated

Solar panels

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Conditional

Landscaping, trees & gardens

Screen plantings are capped at thirty-six inches high between the building setback line and the front lot line on every lot, and the same cap applies within thirty feet of the rear lot line on lots that back the golf course. Where the plat marks a protective screening area as a non-access easement, the owner has to keep those plantings up, at their own expense, along the whole length. Side, front and rear yards must be planted with grass seed, sod or ground cover within 120 days of the house being finished or occupied, whichever comes first, unless the Architectural Control Committee approves something else. Regrading a lot needs that committee's approval as well.

no screen planting over thirty-six (36) inches high shall be permitted between the building setback line and front lot line on all lots, nor within thirty (30) feet of the rear lot line on lots abutting the golf course.
Not stated

Mailboxes

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How you can live here

Conditional

Pets

Dogs, cats and other household pets are allowed. Animals, livestock and poultry generally are not, and household pets may not be kept, bred or maintained for any commercial purpose or be allowed to become a nuisance or hazard to the neighborhood. A detached pet shelter is treated as a detached building and needs committee approval first.

No animals, livestock or poultry of any kind shall be raised, bred or kept on any lot, except that dogs, cats, or other household pets may be kept, provided that 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.
Not stated

Renting your home

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Not stated

Basketball hoops

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Conditional

Yard signs

One sign is allowed on a lot: a for sale or for rent sign of no more than five square feet. A builder may use a sign of any size while the home is under construction and being sold, and the developer reserved the right to put up its own signs to promote lot and home sales. Any other sign displayed to public view is prohibited. A home occupation is separately barred from any sign or display visible from outside.

No sign of any kind shall be displayed to the public view on any lot except one sign of not more than five (5) square feet advertising the property for sale or rent, or a sign of any dimension used by a builder to advertise the property during the construction and sales period.
Conditional

Street parking

Ordinary passenger parking is not restricted, but campers, trailers, trucks and boats may not be kept in open areas in the subdivision, on or off the owner's lot. Every dwelling has to have a full-size attached garage holding at least two cars and no more than three, so the covenant assumes vehicles are housed rather than stored in the open.

No recreational or commercial vehicles (campers, trailers, trucks, or boats) may be kept in open areas in this subdivision
Conditional

Running a business from home

A home occupation is permitted if it stays entirely inside the house, is carried on only by a member of the immediate family living there, and stays clearly incidental to using the home as a home. Four conditions come with it: no sign or display visible from outside, no commodity sold on the premises, no employee who is not an immediate family member living there, and no mechanical or electrical equipment. The covenant names uses that can never qualify: a barber shop, styling salon, beauty parlor, tea room, fortune-telling parlor, animal hospital, or any form of animal care or treatment such as dog trimming.

No lot or lots shall be used for any purpose other than as a single-family residence, except that a home occupation, defined as follows may be permitted: any use conducted entirely within the residence dwelling and participated in solely by a member of the immediate family residing in said residence
Not stated

Short-term rentals (Airbnb)

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Not stated

Vehicle repair in the driveway

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Conditional

Trash & recycling containers

Trash, garbage and other waste have to be kept in sanitary containers, and no lot may be used or kept as a dumping ground for rubbish. Incinerators and any other equipment for storing or disposing of waste must be kept clean and sanitary. The association is separately given the power to enforce the rules about accumulations of rubbish, weeds and trash.

No lot shall be used or maintained as a dumping ground for rubbish. Trash, garbage or other waste shall not be kept except in sanitary containers.
Not stated

Grilling & outdoor cooking

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Not stated

Clotheslines

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Not stated

Flags & flagpoles

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Not stated

Window coverings & decorations

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Where these answers come from

The documentProtective Restrictions, Covenants, Limitations and Easements for Quail Valley at Knollwood, Section One, Section Two, Section Three, Section Four, Section Five and Section Six (Instrument No. 9003681, 1990)
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 associationThere is an association: the Quail Valley at Knollwood Homeowners Association, Inc., an Indiana corporation created by the developer, Adams Road Development Corp., for the owners and future owners of lots. Every lot owner is a member and casts one vote for each lot owned. Paragraph 24 of the 1990 declaration says the association exists to manage and financially support all park areas and all street lighting, and to provide whatever security services it judges advisable and practical. It adopts By-Laws, meets at least once a year to elect officers, and may levy and collect dues. Assessments. The association may impose and collect annual assessments for installing and operating street lighting, for maintaining and improving park areas and other common areas, and for those security services. The recorded cap is One Hundred Twenty-Five Dollars per lot per year, levied equally on every lot in every Addition and Section of the plat, billed in January and payable within thirty days. That cap is written into the covenant, not set year to year: paragraph 32 barred the developer from raising it for the first five years, and after that it can be moved only by a written amendment executed by the owners of at least seventy-five percent of the lots and recorded with the St. Joseph County Recorder. An Indiana REALTORS homeowners association disclosure form in this neighborhood's own document set, for a 2025 sale, reports recurring dues of 125 dollars payable annually with no upcoming assessments, and gives the management contact as Quail Valley at Knollwood HOA, PO Box 531, Granger, IN 46530. Confirm the current figure with the association before relying on it. Unpaid dues. Failure to pay is itself a violation of the covenants. Unpaid dues and assessments, plus interest, collection costs and attorneys fees, become a lien on the lot until paid or released, carrying twelve percent a year starting thirty days after the due date. The association may record notice of the lien and may sue to collect or foreclose, though it is not required to do either. The lien is subordinate to a first mortgage. Approvals. Plans go to the Quail Valley at Knollwood Architectural Control Committee, three people appointed by the developer, whose decision the covenant makes entirely discretionary. Three sets of complete plans are submitted, showing floor plan, quality of construction, materials, outside colors, harmony with existing structures and location relative to lot lines, topography and finish grade; the committee keeps two sets and returns one, and every approval or disapproval is in writing. As written, the committee's authority expires fifteen years after the plat is recorded, so for an instrument recorded in 1990 that window has long since run. Ask the association who reviews plans today before assuming nobody does. Enforcement. The right to enforce by injunction, including having an offending structure removed by due process of law, is vested in every lot owner, in the association and in the developer. Violations can also be pursued by civil action for damages or any other remedy at law or in equity. If the association or the developer hires counsel to enforce, the owner who is enforced against pays the costs and reasonable attorneys fees, and those costs become a lien on the lot collected the same way as unpaid dues. The association is specifically barred from assessing anyone for the Knollwood Country Club golf course, swimming pool, tennis courts or related facilities, and has no authority over how the club is run. Term. The covenants were written to bind until August 13, 2001 and then to extend automatically in successive ten-year periods unless owners of at least seventy-five percent of the lots vote to change them, so on their own terms they are still running. Lake lots only. A separate 1989 instrument adds a further layer for the lake lots, defined as Lots 199 through 227 of Section Two and Lots 35 through 38 and 79 through 107 of Section Four. Those lots also belong to a second association, Quail Valley Lakes at Knollwood Homeowners Association, Inc., with its own cap of Three Hundred Dollars per lake lot per year, its own architectural committee for piers, docks and sea walls, and its own rules: a pier or dock no longer than 15 feet and no wider than 4 feet, no boathouses or boat shelters, no screen plantings on the shoreline area, no detached building within thirty feet of the rear line of a lake lot, a second dusk-to-dawn light at the rear of the lot, and lake use limited to swimming, fishing, ice skating and small craft, with no inboard or outboard combustion motors, no rafts or floats and no ice shanties. One of the Saddle Ridge Lane sales that created this page carried that document, so it may reach some lots here. Check the lot number against those ranges before treating it as applying.

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