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Villas at Sandalwood

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

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

Before you rely on this page

These answers come from the Amended and Restated Declaration of Covenants and Restrictions of Villas at Sandalwood, recorded with the St. Joseph County Recorder on April 29, 2002 as instrument 0223832. It restated the covenants for this subdivision in their entirety, which means the 1997 protective restrictions and the 1999 declaration that are also on file are no longer the rule, even though a seller or a listing may still hand you a copy of one. The same restatement had already been recorded once before, on February 4, 2000 as instrument 0006413, and the text is the same. It governs all 60 lots in Section One and Section Two, which is the whole subdivision.

Two association papers are also on file and are used here where they are the only source of a current rule: an undated association rules sheet and a one-page fee handout. Those are board documents, not recorded covenants. A board can change them, and on two points they are stricter than the recorded covenant, renting and yard signs. Both of those are flagged in the answers below, and both are worth getting from the board in writing before you rely on them.

The recorded copy on file is a scan of paper, so individual words can be misread. Before anything expensive turns on exact wording, pull the recorded instrument from the Recorder or ask your title company for it.

What you can build and change

Conditional

Fences

No fence of any type may go up on a lot unless the Architectural and Landscape Control Committee approves it in advance and in writing. The declaration is unusually broad about what counts as a fence: hedges and other growing fences are named alongside chain link and split rail, so a privacy hedge is treated the same as a fence. No height, material or placement standard is written down, and the declaration says the committee's decision is entirely within its discretion, so there is nothing to fall back on if the committee says no. Ask the committee what it has approved elsewhere in the neighborhood before you plan anything.

22. Fences. No fencing of any type, including but not limited to hedges and other “growing fences”, chain link fences, split rail fences, or any other kind of fences are permitted on the Lot, except as may be approved in advance, in writing, by the Architectural and Landscape Control Committee.
✗ Not allowed

Sheds & outbuildings

An outbuilding may not be used or stored on any lot or street at any time as a residence, for storage, or for use as a workshop. A garden or storage shed is an outbuilding used for storage, so the wording reaches it directly, and no size, screening or approval path is offered as an alternative. Separately, no building or other structure may be erected, constructed, placed, maintained or altered on a lot until the committee has approved the construction plans in writing. The word shed is never used in the document; outbuilding is.

24, Temporary/Permanent Structures. No structure of a permanent, temporary or mobile type; such as recreational vehicle, motor home, trailer, camper, tent, shack or outbuilding shall be used or stored on any Lot or street at any time as a residence, for storage, or for use as a workshop.
✗ Not allowed

RVs, boats & trailers

A recreational vehicle, motor home, trailer or camper may not be used or stored on any lot or street at any time as a residence, for storage, or for use as a workshop. The clause names no exception for a garage, and the garage here is part of the dwelling unit sitting on the lot, so there is no permitted place named anywhere in the document. It also does not define how long something has to sit before it counts as stored, so a short visit is genuinely unaddressed. Worth knowing: the 1997 protective restrictions for this subdivision did let a recreational vehicle or trailer stay overnight inside a garage, but the 2002 restatement replaced those restrictions in their entirety and did not carry that allowance forward. Boats are never named. The association's own rules sheet repeats the restatement wording word for word. If you own a camper, get the board's position in writing before you buy.

24, Temporary/Permanent Structures. No structure of a permanent, temporary or mobile type; such as recreational vehicle, motor home, trailer, camper, tent, shack or outbuilding shall be used or stored on any Lot or street at any time as a residence, for storage, or for use as a workshop. ... 18. Recreational vehicles or trailers, may not stay for overnight unless inside garage.
✗ Not allowed

Swimming pools & hot tubs

Both above-ground and in-ground pools are prohibited. The declaration bars tennis courts and above and in-ground pools in one sentence, with no approval path offered for either. That is stricter than most covenants in this county, where an in-ground pool normally survives with committee approval, so it is worth not assuming. The association's own rules sheet repeats the same sentence. The 1997 protective restrictions did allow in-ground pools with approved fencing on a named set of lots, but the 2002 restatement replaced them and that allowance is gone.

25. Reereational Equipment. No tennis courts or above/in-ground pools shall be permitted. No playground equipment may be installed or placed on a Lot without prior written approval from the Architectural and Landscape Control Committee. ... 19. In ground swimming pools are acceptable on lots 1=21 and 45=57 and 61 and 62 with approved fencing.
Conditional

Exterior changes & additions

Any change to the outside of the home needs written approval before work begins, and two bodies are named. An owner may not paint, decorate or change the appearance of any part of the exterior in a way that varies it from the plans the committee approved, and changes may only be made after prior written approval by the Board of Directors and the committee. Separately, no building or other structure may be erected, constructed, placed, maintained or altered on a lot, and the natural topography or drainage may not be altered, until the plans are approved. The association's rules sheet puts real numbers on it: exterior paint follows the approved color choices, replacement garage doors and windows have to be the same style, and replacement shingles are specified as GAF Timberline T30 with 80 mph wind resistance in the color Barkwood. Shingles, structural changes and landscape changes each go in on a Home and Landscape Improvement Application to the committee before work starts.

11. Maintenance of Exterior of Dwelling Units. An Owner may not paint, decorate or make any change in the appearance of any portion of the exterior of any dwelling unit which: would vary it from the plans which were approved by the Committee. Owners may only make changes after prior, written approval, by the Board of Directors and the Committee. The Association will not be responsible for the maintenance, repair or replacement of water supply lines, sewers, air conditioning or heating systems, windows, external doors, exterior lighting fixtures, roofing, siding, guttering, breaking or cracking of concrete and other mechanical and electrical systems. Owner shail repair or replace any portion of the exterior of his dwelling unit which is damaged or in need of yepair or replacement and shall maintain those portions of the Dwelling Unit which the Association is not required to maintain. The Association may, at its option, notify any Owner of a repair or replacement or any item of ‘maintenance which is needed on the exterior of a Dwelling Unit or on aLot. In the event the Owner does not maintain, repair or replace that item within sixty (60) days after such notice is given by the Association, the Association may maintain, repair or replace that item at its expense and charge the cost thereof to the Owner. The Association will establish the guidelines for snow removal from driveways and sidewalks.
Conditional

Satellite dishes & antennas

This is one of the most detailed paragraphs in the document. Outside above-ground television, AM, FM and short wave radio antennas of any type are prohibited, with three named exceptions: a direct broadcast satellite dish no more than one meter across, an MMDS antenna one meter or less in diameter or diagonal measurement, and an antenna to receive television broadcast service. A permitted dish or antenna and its support structure must meet existing safety codes, and has to be placed, to the extent feasible, where it is not visible from the street or other common property. The association may require the owner, at the owner's cost, to plant shrubbery or other screening and to keep the color harmonious with the landscape and architecture, as long as that does not impair installation, maintenance or use. Nothing may be installed until the association approves the placement in writing. All utility service in this subdivision is underground.

33. Utilities and Television Antennas. All public utility services, either in the streets or on any lots, including but not fimited to electric, gas and telephone service and cable television, shall be located underground, and shall not be visible. No outside above-ground television, A.M., E.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 except as follows: a property owner may erect a direct broadcast satellite (DBS) dish that is not more than one meter (39") in diameter, an antenna designed to receive multi-channel multi-point distribution service (MMDS) that is one meter (39") or less in diameter or diagonal measurement, or an antenna to receive television broadcast service (TVBS). Any such dish or antenna and its support structure must meet all existing safety codes and laws governing historic preservation. The antenna will be placed to the extent feasible in locations that are not visible from the street or other common property, The owner may be required by the Association, at the owner's cost, to plant shrubbery or other screening and to ensure that the color of the dish or antenna and installation are harmonious with the landscape and architecture, so long as these requirements do not impair the owners installation, maintenance or use of any such dish or antenna. No satellite dish or antenna shall be installed until the Association has approved, in writing, the placement of the antenna under procedures and restrictions described in this Section and other Sections of these Covenants.
Conditional

Solar panels

The recorded covenants never mention solar. The association's own rules sheet does: an owner planning to install a solar system fills out a Home Solar System Application and submits it to the Architectural Review Committee for approval before work begins. That is a board document rather than a recorded covenant, so it can change, and it does not say what the committee will or will not approve or how long a decision takes. The recorded exterior-change rule points the same way, since panels change the appearance of the dwelling. Get the committee's answer in writing before you order equipment.

If you are planning on installing a solar system, fill out Home Solar System Application and submit to the Architectural Review Committee for approval before work begins.
Conditional

Landscaping, trees & gardens

This is the clause that defines the neighborhood. The association maintains the landscaping and lawn of each lot on a schedule it sets, so mowing and bed care are not the owner's to arrange. In exchange, an owner may plant, install or maintain flowers, trees, shrubbery or other plant materials on a lot only in accordance with a landscaping plan approved by the committee. Trees with a trunk three inches across or larger stay the owner's responsibility, including pruning and removing any that are dead, unsightly or dangerous; if the association gives written notice and the owner does not act within 60 days, the association may have the work done and charge the owner. Owners maintain their own irrigation system and sprinkler controls, while the association contracts and pays for the annual turn-on and blow-out, and owners are expected to set the watering schedule when they are away so the lawns stay uniform. The association's rules sheet describes what the fee covers: weekly mowing on Thursdays April through October, front shrubs and small trees trimmed, front flower beds weeded, edging four times a year, a fall clean-up, and fertilizer and weed control five times a year including grub control in June.

9. Landscaping and Plantings, The Association shall maintain the landscaping and Jawn of each Lot on a scheduled basis as determined by the Association. Owners may plant, install or maintain any flowers, trees or shrubbery or other plant materials ona Lot only in accordance with a landscaping plan approved by the Committee. Each Owner shall be responsible for maintaining, atthe Owner's expense, any trees located on the Owner's Lot having a trunk diameter of three inches (3”) or greater, which maintenance shall include but not be limited to pruning and removing any such trees which are dead or unsightly or any unsightly, dead or dangerous portions of such trees. In the event the Association advises the Owner in writing that replacement or removal of a portion or all of a tree or trees which Owner is responsible to maintain is necessary, and the owner fails to maintain or remove such tree or irees after (60) days of prior written notice, (except that notice is waived in the case of emergency), the Association may in its discretion have the tree or trees maintained or removed and charge the Owner for such services.
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

Dogs and cats may be kept as household pets. No other animals may be raised, bred or kept on a lot. Pets may not be kept, bred or maintained for any commercial purpose, and may not be permitted to become a neighborhood nuisance or hazard in any manner. The documents set no number, weight or breed limit, there is no leash or clean-up rule in them, and no pet deposit or registration appears. Since the association's crews mow every lot on a schedule, how dogs are handled on mowing day is a fair question for the board.

28. Livestockand Poultry. Noanimals shall beraised, bred, orkept on any Lot, except that of dogs and cats as household pets may be kept, provided that they are not kept, bred or maintained for any commercial purposes and are not permitted ta become aneighborhood nuisance or hazard in any manner.
Conditional

Renting your home

The recorded covenant and the association's own rules sheet do not say the same thing here, and the gap matters. The recorded restatement says no lease of less than one year may be entered into without the prior approval of the Board of Directors, which on its face leaves a lease of a year or more unrestricted. The association's rules sheet says flatly that no rentals or leases are permitted. A board rules sheet is not a recorded covenant and does not by itself override one, but it is what the board is telling owners. If renting the home is part of why you are buying, get the board's position in writing before you close, and ask whether the covenant was ever amended on this point.

16. Leases, No leases of less than one (1) year of any Dwelling Units may be entered into without the prior approval of the Board of Directors. ... No rentals or leases are permitted
Conditional

Basketball hoops

A basketball hoop is never named. What the documents require is approval: no playground equipment may be installed or placed on a lot without prior written approval from the Architectural and Landscape Control Committee, and separately no structure may be erected, constructed, placed, maintained or altered on a lot until the committee approves the plans in writing. A pole-mounted hoop is equipment placed on a lot and a committee would usually read it into one of those, so treat it as needing written approval. A portable hoop rolled out onto the driveway is not addressed either way, and the driveways here are cleared by the association's snow crew, which is a reason to ask rather than assume.

25. Reereational Equipment. No tennis courts or above/in-ground pools shall be permitted. No playground equipment may be installed or placed on a Lot without prior written approval from the Architectural and Landscape Control Committee.
Conditional

Yard signs

The recorded covenant allows two kinds of sign on a lot: one sign of not more than five square feet advertising the property for sale, and security signs. Anything posted in the common areas needs committee approval. The association's own rules sheet reprints that list and adds vendor signs while work is being performed at the residence, and then, further down the same sheet, says no yard signs are allowed at all, political, business or otherwise. Those two lines sit on one page and point different ways, so the board is the one to ask how it applies them. The for-sale sign is the one expressly permitted by the recorded covenant.

27. Sigus. No sign of any kind shall be displayed to the public view on any Lot except (a) one sign of not more than five (5) square feet advertising the property for sale; and (b) security signs. Signs to be posted in the Common Areas must be approved by the Architectural and Landscape Committee. ... No yards signs allowed (political, business, or otherwise)
Conditional

Street parking

The word parking never appears in these documents, and ordinary resident or guest parking is not restricted. What is restricted is what may sit outside: junk vehicles may not be kept outside the residence, and a recreational vehicle, motor home, trailer or camper may not be used or stored on any lot or street at any time. Every home has to have a full size attached garage capable of holding at least two vehicles, and driveways have to be four inch thick concrete, with resurfacing or replacement in gravel, asphalt or similar products prohibited. One practical note from the association's rules sheet: the association clears driveways and the sidewalk to the house once two inches or more of snow falls, but a driveway with a vehicle left in it will not be cleared.

23. Nuisances. No noxious or offensive activity shall take place on any Lot, nor shall anything be done thereon which may become an annoyance or nuisance in the neighborhood. No ‘junk vehicles’ will be permitted to be kept outside of the residence or repair work done outside of the garage. ... 26. Driveways, All Driveways shall be four (4”) inch thick concrete. Resurfacing or replacing the concrete with gravel, asphalt or similar products is not permitted,
Conditional

Running a business from home

A home occupation is permitted, with tight limits. It has to be conducted entirely within the dwelling and participated in solely by a member of the immediate family living there, and it has to stay clearly incidental and secondary to using the home as a home. There may be no sign or display indicating from the outside that the building is used for anything but a residence, no commodity sold on the lot, no employee other than an immediate family member living on the lot, and no mechanical or electrical equipment used. 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 is expressly excluded from counting as a home occupation, and licensed or unlicensed for-profit child or adult day care is not permitted. The association's separate rules sheet also says no garage sales, apart from the community sale in late June.

15. Home Occupations. No Lot shall be used for any purpose other than a single family residence, except that a home occupation, defined as follows may be permitted: any use conducted entirely with the Dwelling Unit and participated in solely by 4 member of the immediate family residing in the said residence, which is clearly incidental and secondary to the use of the Dwelling Unit for dwelling purposes and doesnot change of character thereofand in connection with which there is: (a) No sign or display that will indicate from the exterior that the building is being utilized in whole or in part for any purpose other than that ofa Dwelling Unit; (b) No commodity sold upon the Lot; (c) No person employed other than a member of the immediate family residing on the Lot; (a) No mechanical or electrical equipment is used, provided that, in no event shall 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, be construed as a home occupation. (e) No licensed or unlicenced, for profit, Child or Adult Day Care facilities are permitted.
Conditional

Short-term rentals (Airbnb)

A short stay is covered by the lease rule rather than by a clause of its own. No lease of less than one year may be entered into without the prior approval of the Board of Directors, so a weekly or monthly booking needs the board's prior approval on the face of the recorded covenant. The association's own rules sheet goes further and says no rentals or leases are permitted at all. These documents were written before the short-term rental platforms existed and never use those words, so the board's current position is the thing to get in writing.

16. Leases, No leases of less than one (1) year of any Dwelling Units may be entered into without the prior approval of the Board of Directors. ... No rentals or leases are permitted
Conditional

Vehicle repair in the driveway

Repair is addressed directly here, which is unusual in this county. The nuisance paragraph bars junk vehicles from being kept outside the residence and bars repair work being done outside the garage. So work on a vehicle belongs inside the garage rather than in the driveway or at the curb. The clause sets no exception for a quick job, does not define what counts as repair work, and does not mention washing or detailing. The association's own rules sheet repeats the same sentence.

23. Nuisances. No noxious or offensive activity shall take place on any Lot, nor shall anything be done thereon which may become an annoyance or nuisance in the neighborhood. No ‘junk vehicles’ will be permitted to be kept outside of the residence or repair work done outside of the garage.
Conditional

Trash & recycling containers

Trash, garbage and other waste may not be kept except in sanitary containers, and no lot may be used or maintained as a dumping ground for rubbish. The practical side comes from the association's rules sheet: trash collection is part of the monthly fee, weekly on Tuesday, with recycling every other week on Tuesday, the owner supplies the containers, and containers are to be kept in the garage rather than outside.

29, Garbage and Refuse Disposal. 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. ... Keep trash and recycling containers in your garage
✗ Not allowed

Grilling & outdoor cooking

No grill is named anywhere in these documents. What is there is a fires paragraph, and it is written broadly: no fire for leaf burning or otherwise is permitted to burn upon any street, roadway or lot. Read on its face, the words or otherwise reach a charcoal fire or a fire pit on a lot, not just a leaf pile. A gas grill is a different question and the document does not answer it, since it is arguable whether that is a fire being permitted to burn upon the lot. The association's own rules sheet repeats the same sentence. If grilling matters to you, ask the board how it reads this paragraph, because the wording and the way a neighborhood actually lives can be far apart.

34. Fires. No fire for leaf burning or otherwise shall be permitted to bum upon any street, roadway or Lot in the said Property.
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.

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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 documentAmended and Restated Declaration of Covenants and Restrictions of Villas at Sandalwood
Recorded asAmended and Restated Declaration of Covenants and Restrictions, instrument 0223832, recorded April 29, 2002
Same restatement, first recorded as instrument 0006413 on February 4, 2000
Declaration of Covenants and Restrictions, instrument 9934388, recorded July 26, 1999 (superseded)
Protective Restrictions, Covenants, Limitations and Easements, instrument 9718490, recorded May 15, 1997 (superseded)
First and Second Amendments, instruments 9844560 and 9844576, 1998 (superseded, not on file)
Plat of Section One, instrument 9718723, recorded May 16, 1997
Plat of Section Two, instrument 9736187, recorded September 5, 1997
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. Two scans of the same restatement are on file and both were read; the cleaner 2002 recording carried the full text and was used, and its recording stamp and instrument number were read by eye off the page images. The paragraphs covering vehicles, pools, signs, pets, trash and the association's maintenance duties were checked against the page images directly rather than taken from the machine reading alone.
The associationVillas at Sandalwood is run by the Villas at Sandalwood Homeowners Association, Inc., an Indiana not-for-profit corporation incorporated on August 27, 1999. Every owner of a lot is automatically a member, each lot has one vote, and membership passes to the buyer on recording of the deed with no paperwork of its own. The subdivision is 60 lots, platted in 1997 as Section One and Section Two in Clay Township, St. Joseph County, on about 20.45 acres. The developer and original declarant was Pelican Cove Development Corporation, with Al Bayman Custom Homes, Inc. as the builder. What the association maintains is the most important thing on this page, because the name says villa and the answer is only partly what people expect. The recorded declaration says the association shall maintain the landscaping and lawn of each lot on a schedule it sets. The association also contracts and pays for the annual turn-on and blow-out of the irrigation system, and the declaration gives it the job of setting the guidelines for snow removal from driveways and sidewalks. What the association expressly does not maintain is spelled out in the same paragraph: water supply lines, sewers, air conditioning and heating systems, windows, external doors, exterior lighting fixtures, roofing, siding, guttering, breaking or cracking of concrete, and other mechanical and electrical systems. The owner has to repair or replace any part of the exterior of the home that is damaged or needs work. So this is a lawn, landscaping and snow association, not a roof-and-siding one, and a buyer budgeting for a villa where the association replaces the roof would be budgeting wrong. The association's own rules sheet, which is a board document rather than a recorded covenant, lists what the monthly fee buys and matches the declaration: weekly mowing on Thursdays from April through October, front shrubs and small trees trimmed and shaped, front flower beds weeded, walkways, driveways and sidewalks edged four times a year, a fall clean-up with gutters cleaned once in late fall, fertilizer and weed control five times a year including grub control in June, sprinkler spring turn-on and fall turn-off, snow removal of the driveway and the sidewalk to the house once two inches or more falls, and weekly Tuesday trash collection with recycling every other week. Two caveats from that same sheet: a driveway with a vehicle left in it does not get cleared, and owners are responsible for the external maintenance of their villa including windows, doors, lighting, roofing, siding, gutters and driveways and sidewalks. Dues. The recorded declaration sets no dollar figure. It requires a budget each year, the same regular assessment for every lot, paid monthly in advance on the first of the month, and it allows special assessments for what the budget did not foresee, charged equally for a common-area expense and to the single owner where the expense belongs to one lot. It also set a one-time capital assessment of 100 dollars a lot on execution, and 200 dollars a lot for anyone becoming a member later. For the current figure, the papers on file give two numbers from two different years: an undated association rules sheet filed with a 2024 listing says 140 dollars a month, and a one-page association handout filed with 2026 listings says 170 dollars a month. Treat those as history and ask the association for today's amount, what the reserve holds, and whether any special assessment is running. Approvals run through the Architectural and Landscape Control Committee, three owners appointed by the Board of Directors. Nothing may be built, placed or altered on a lot and no landscaping may be installed until the committee approves the plans in writing, and the declaration says the committee's decision is entirely within its discretion. The board may also adopt rules and regulations for the subdivision and has to deliver or mail copies to all owners, which is where the association's rules sheet comes from. That sheet describes a board of seven directors on staggered three-year terms, a November annual meeting, and a quorum of 16 of the 60 homeowners present or by proxy. Enforcement has teeth. If an owner does not do required exterior maintenance within 60 days of written notice from the association, the association may do the work and charge the owner. Unpaid assessments carry interest at the maximum Indiana consumer-loan rate, the board may declare the whole unpaid balance due and record a Notice of Lien against the lot with the St. Joseph County Recorder, which is enforced like a mortgage lien, and the association may recover attorney fees, title expenses and collection costs. A member who is delinquent may not vote while the payment is late. Beyond money, the covenants may be enforced by injunction, by a civil action for damages, and by removal of an offending structure through due process, and that right belongs to any lot owner as well as to the association.

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