South Bend, Indiana
Tawny Lake
How Tawny Lake 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
Age restriction
We can find out
For sale now
IDX information provided by the Indiana Regional MLS
One home is for sale here right now
Each one opens on our own listing search — photos, the full details, and a showing whenever you want one. A periodic snapshot, not a live feed. 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$220/moreported on recent listings
Single-level livingYes — most homes hereOf the 9 homes sold here that listed which floor each room is on, 9 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.
What homes here sell for
Only 2 recorded sales here in the last 24 months — too few to call a typical range honestly. Ask us and we’ll pull the full sale history for this community.
Building & parking rules
Summarized in plain English from the recorded documents where we have them — and marked honestly where we don’t.
Conditional
Fences
No fence may be erected, altered or maintained on any Lot without prior written approval of the Architectural Review Board; Association maintains existing privacy fences.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37); ARTICLE VII, Section 2 B.1 (p. 35) — Doc. 9112428
Conditional
Sheds & outbuildings
Any building or other structure requires prior written approval of the Architectural Review Board before being erected or altered on a Lot; sheds not separately named.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37) — Doc. 9112428
Conditional
RVs, boats & trailers
On the Lake: no boat exceeding fifteen feet, no combustion motor, and no mooring or storage on lake, shoreline or beach December 1 through March 1.
ARTICLE II, Section 9. Use of the Lake; No Liability; Release and Indemnification (pp. 13-14) — Doc. 9112428
Conditional
Swimming pools & hot tubs
Any structure or work altering a Lot's exterior requires prior written approval of the Architectural Review Board
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37) — Doc. 9112428
Conditional
Exterior changes & additions
No improvements, alterations, repairs, color changes, excavation or grade changes altering a Lot's exterior may be made without prior approval of the Architectural Review Board.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37); Section 4. Procedures — 30-day deemed approval (p. 38) — Doc. 9112428
Conditional
Satellite dishes & antennas
Antennas are not named; any work altering a Lot's exterior requires prior written approval of the Architectural Review Board.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37) — Doc. 9112428
Conditional
Solar panels
Solar devices are not named; any work altering a Lot's exterior requires prior written approval of the Architectural Review Board.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37) — Doc. 9112428
Conditional
Landscaping, trees & gardens
Association waters, fertilizes, mows and weeds lawns on each Lot and tends Declarant-planted trees and shrubs; plantings by an Owner are not Association-maintained.
ARTICLE VII, Section 2. Common Areas and Exteriors of Dwelling Units and Lawns by the Association, B.2 (pp. 34-35) — Doc. 9112428
Conditional
Mailboxes
No mailbox clause seen; no attachment or thing may be affixed to or placed upon exterior walls or roofs without prior Board consent.
Doc. 9112428, Declaration paragraph E (p. 63)
Living-there rules
Conditional
Pets
Pet dogs, cats and customary household pets allowed in a Dwelling Unit if not bred or kept commercially and not a nuisance; Board may require a deposit.
Doc. 9112428, Declaration paragraph F (pp. 63-64)
Conditional
Renting your home
Owner may delegate use of Common Areas to family, tenants or contract purchasers residing in his Dwelling Unit, subject to the Declaration and Board rules.
ARTICLE II, Section 7. Delegation of Use of Common Areas (p. 12) — Doc. 9112428
Conditional
Basketball hoops
Basketball goals are not named; any structure or work altering a Lot's exterior requires prior written approval of the Architectural Review Board.
ARTICLE VIII Architectural Control, Section 3. Conditions (p. 37) — Doc. 9112428
✗ Not allowed
Yard signs
No for sale, for rent, for lease or other signs, or window or advertising displays, without prior written Board consent; Declarant may sign unsold units.
Doc. 9112428, Declaration paragraph J (p. 65)
Conditional
Street parking
Parking spaces outside Lot boundaries are limited to the Owner they are assigned by the Board; the Board need not assign, and may adopt parking rules.
ARTICLE II, Section 6 C. Limited Common Areas (p. 11); Board power G to assign parking spaces (p. 26) — Doc. 9112428
✗ Not allowed
Running a business from home
No industry, trade, or other commercial activity, educational or otherwise, shall be conducted, practiced or permitted on the property.
Doc. 9112428, Declaration paragraph I (p. 65)
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
No repair work shall be done on the Property on any vehicles, including passenger automobiles.
Doc. 9112428, Declaration paragraph L (p. 66)
Conditional
Trash & recycling containers
Association removes trash and waste from the Property at least weekly; only the Board or Managing Agent may contract that service, and no Owner may.
Doc. 9112428, p. 23: "removal of trash and waste from the Property on a basis of not less than weekly, provided that only the Board or Managing Agent shall, and no Owner shall, contract for such service"
Conditional
Grilling & outdoor cooking
No grilling clause seen; furniture or objects of any kind may not be placed on front porches, drives or lawns without written Board consent.
Doc. 9112428, Declaration paragraph N (p. 66)
✗ Not allowed
Clotheslines
No clothes, sheets, blankets, rugs or laundry may be hung out or exposed so as to be visible from any part of the Common Areas.
Doc. 9112428, Declaration paragraph H (p. 65)
Conditional
Flags & flagpoles
No flag clause seen; no sign, attachment or thing may be affixed to exterior walls or roofs without the prior consent of the Board.
Doc. 9112428, Declaration paragraph E (p. 63)
✗ Not allowed
Window coverings & decorations
Nothing may be hung or displayed on the outside of windows or placed on outside walls; window advertising displays need prior written Board consent.
Doc. 9112428, Declaration paragraphs E and J (pp. 63, 65)
Where these rules come from
Every rule above is summarized from these documents. Ask us for the source on any answer.
- TLHA General Rules — condensed summary of the Covenants and By-Laws; page states it is not a replacement for them
- Declaration of Covenants, Conditions and Restrictions of Portage Realty Corporation for Tawny Lake (Phase I) — Declarant: Portage Realty Corporation — recorded Declaration dated May 15, 1991; recorder's file stamp on cover reads May 16, 1991 (partially legible)
- Declaration of Covenants, Conditions and Restrictions of Tawny Lake, with By-Laws (stamped TAWNY LAKE STARTING PART 4 of DOC. 9112428), Inst. #9112428
- Amendment to Declaration - Association performs exterior siding/trim painting and bills lot owners; executed by Portage Realty Corporation and Portage Construction Co., Inc. — recorded June 4, 1992 (execution date)
- First Supplemental Declaration - Tawny Lake Section III, lots 50-54 (Section III plat is Doc. 9232404, recorded September 9, 1992), Inst. #9246775
- Second Supplemental Declaration - Tawny Lake Section II, lots 23-30 and 41-49 (Section II plat is Doc. 9246448, recorded December 15)
- Supplemental Declaration - Tawny Lake Section IV, lots 55-60 (Section IV plat is Doc. 9524752, recorded August 3, 1995)
- Amendment signed by individual Tawny Lake lot owners - signature/notary pages only, operative text not in this page selection — recorded November 10, 2002 (notarized)
Tawny Lake questions, answered
What do the HOA dues cover at Tawny Lake?
Recent listings report dues around $220 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 Tawny Lake a 55+ community?
We don’t know this one offhand — but we can ask the association and get you a sourced answer.
What do homes at Tawny Lake sell for?
Recorded sales over the last 24 months ran $305,000 to $325,000, median $325,000. Want to know what a specific floor plan is worth right now? That’s a 10-minute answer — ask us.
Selling your home at Tawny Lake?
Homes here have sold for $305,000–$325,000 over the last two years — median $325,000. 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 →