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South Bend, Indiana

Cloverleaf Villas

South Bend St. Joseph County 5 sales in 4 yrs

How Cloverleaf Villas actually works — the dues, the rules and the real sale prices, from recorded documents and public records. If you’re deciding between communities, take the 60-second match quiz.

Community facts

Town
South Bend, IN
Built
1999–2024
Age restriction
None — all ages
For sale now
Ask us
IDX information provided by the Indiana Regional MLS

Dues & money

The numbers most listings never spell out. We confirm every figure with the association during a transaction.
Association dues$223/moreported on recent listings
Single-level livingSome homes hereOf the 6 homes sold here that listed which floor each room is on, 2 had every room on the main floor and no upstairs bathroom. That is the MLS’s own room data, not a description — ask us and we’ll walk a specific home with you.
Transfer fee at closingWe don’t have this figure yet — we can ask the association
Special assessmentsWe don’t have this figure yet — we can ask the association

What homes here sell for

Too few recorded sales in the window to publish a fair range — ask us and we’ll pull the full picture for you.
Recorded sales (24 mo)Fewer than 3 — ask us for the full picture

Building & parking rules

Summarized in plain English from the recorded documents where we have them — and marked honestly where we don’t.
Conditional

Fences

Fences need advance written approval; generally max three feet six inches, black or brown, PVC or aluminum; 6-foot wood privacy only rear of Lots 1-14; none on Lake Lots.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 17, Fences
✗ Not allowed

Sheds & outbuildings

No tool shed, storage shed, garage, barn, tent, trailer or other outbuilding of any type may be used on a Homesite, temporarily or permanently.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 22, Temporary Structures
✗ Not allowed

RVs, boats & trailers

No trucks, recreational vehicles or vehicles other than automobiles may be parked on any Homesite or road unless entirely garage-enclosed or approved in writing.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 22, Temporary Structures
✗ Not allowed

Swimming pools & hot tubs

No swimming pools, basketball hoops, tennis courts or other similar outdoor recreational facilities may be erected or maintained on any Homesite.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 21, Recreational Facilities
Conditional

Exterior changes & additions

No painting, decorating or exterior change departing from original construction without the Board's prior written approval; structures and topography or drainage alterations need Board-approved plans.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 14, Exterior of Dwelling Units; Para. 19, Architectural Control
Conditional

Satellite dishes & antennas

Satellite dish one meter or less permitted; Association must approve placement in writing, sited where feasible out of street view, screening may be required.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 28, Utilities and Television Antennas
Conditional

Solar panels

No solar clause; any structure erected, placed or altered on a Homesite needs Board-approved construction plans, and exterior changes need prior written Board approval.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 19, Architectural Control; Para. 14, Exterior of Dwelling Units
Conditional

Landscaping, trees & gardens

Owners may plant flowers, trees or shrubbery only in accordance with the Board-approved Landscaping Plan; Association maintains common-area lawn care and original landscaping.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 13, Landscaping and Plantings
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 →

Living-there rules

Conditional

Pets

Dogs, cats and other household pets may be kept if not bred or kept for commercial purposes and not allowed to become a neighborhood nuisance.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 24, Livestock and Poultry
Not stated

Renting your home

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

Basketball hoops

No basketball hoops, tennis courts, swimming pools or other similar outdoor recreational facilities may be erected or maintained on any Homesite.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 21, Recreational Facilities
Conditional

Yard signs

No sign of any kind displayed to public view except one sign of not more than five square feet advertising the property for sale or rent.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 23, Signs
Conditional

Street parking

Only automobiles may be parked on Homesites or roads; trucks, recreational vehicles and other vehicles must be fully garage-enclosed or approved in writing.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 22, Temporary Structures
Conditional

Running a business from home

Home occupation permitted only if conducted entirely inside by resident family, with no exterior sign, no commodity sold, no employees, no mechanical or electrical equipment.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 18, Home Occupations
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 stated

Vehicle repair in the driveway

We don’t have this one confirmed yet — we can ask the association and get you an answer before you commit to anything.

We can find out →
Conditional

Trash & recycling containers

Trash stored in containers inside the Dwelling Unit until sundown before collection, in sealed bags or Board-approved containers, at Board-designated locations; sanitary containers required.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 14, Exterior of Dwelling Units; Para. 25, Garbage and Refuse Disposal
Not stated

Grilling & outdoor cooking

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

Clotheslines

No hanging of laundry, rugs, wind chimes, or other items outside the Dwelling Unit is permitted.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 22, Temporary Structures
✗ Not allowed

Flags & flagpoles

Flags are not named; the declaration bars hanging laundry, rugs, wind chimes or other items outside the Dwelling Unit, a catch-all reaching hung flags.

Amended Declaration of Protective Covenants and Restrictions, Inst. No. 2021-27499, recorded 08/10/2021, St. Joseph County - Para. 22, Temporary Structures
Note: federal law (Freedom to Display the American Flag Act of 2005) limits an association’s ability to bar display of the United States flag on a member’s own property, subject to reasonable time, place and manner rules. Ask us and we will confirm how this association applies it.
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 rules come from

Every rule above is summarized from these documents. Ask us for the source on any answer.
  • Amended Declaration of Protective Covenants and Restrictions for Lots 1-14 and 34-39 of Cloverleaf Farms Section 3 — recorded 08/10/2021, Inst. #2021-27499
  • Amended Declaration of Protective Covenants and Restrictions for Lots 1-14 and 34-39 of Cloverleaf Farms Section 3, recorded as Instrument No. 0553624 on November 21, 2005 in St. Joseph County, Indiana (executed by Cloverleaf Farms, L.L.C.; association is Cloverleaf Villas, Inc.) — recorded 08/10/2021 09:56 AM, Inst. #2021-27499

Cloverleaf Villas questions, answered

What do the HOA dues cover at Cloverleaf Villas?

Recent listings report dues around $223 per month. Exact coverage comes from the association’s current budget — we don’t have it memorized, but we can ask and confirm it in writing before you rely on it.

Is Cloverleaf Villas a 55+ community?

No — there is no age restriction recorded for this community.

What do homes at Cloverleaf Villas sell for?

Recent recorded-sale volume here is thin, so a published range would mislead. Want to know what a specific floor plan is worth right now? That’s a 10-minute answer — ask us.

Selling your home at Cloverleaf Villas?

Get a number for yours built from this community’s own sales, plus the strategy to earn the top of the range.

What’s my home worth →

Ask us about Cloverleaf Villas

Rules, dues, what is coming on the market here — one question or five, we will run it down.

We’ll get you an answer — usually the same day.