South Bend, Indiana
Waterford Estates Lodge
South Bend
St. Joseph County
5 sales in 4 yrs
How Waterford Estates Lodge 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
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$321/moreported on recent listings
Single-level livingYes — most homes hereOf the 5 homes sold here that listed which floor each room is on, 5 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
Too few recorded sales in the window to publish a fair range — ask us and we’ll pull the full picture for you.
Building & parking rules
Summarized in plain English from the recorded documents where we have them — and marked honestly where we don’t.
Conditional
Fences
Alterations or additions affecting the Common Areas require the Board of Directors' prior written approval.
Declaration of Waterford Estates Lodge, Paragraph 14 (Alterations, Additions and Improvements); Instrument 0552483, recorded 11/14/2005
✗ Not allowed
Sheds & outbuildings
No additional buildings may be erected or located on the Real Estate other than the Building shown on the Plans, absent consent of all Board Directors.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(b); Instrument 0552483, recorded 11/14/2005
Conditional
RVs, boats & trailers
No boats, campers, trailers, buses, mobile homes or trucks parked or stored anywhere on the Property; recreational vehicles may park only temporarily, for a limited period.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(k); Instrument 0552483, recorded 11/14/2005
Conditional
Swimming pools & hot tubs
Swimming pools and jacuzzis are Common Areas; any Owner addition affecting Common Areas needs the Board's prior written approval.
Declaration of Waterford Estates Lodge, Paragraph 6 (Common Areas) and Paragraph 14; Instrument 0552483, recorded 11/14/2005
Conditional
Exterior changes & additions
Alterations affecting Common Areas, Building safety or structure, or Common Area color require the Board's prior written approval; nothing may affect a Unit's exterior appearance.
Declaration Paragraph 14 (Alterations, Additions and Improvements); Bylaws Article VI, Section 6.01(g); Instrument 0552483, recorded 11/14/2005
✗ Not allowed
Satellite dishes & antennas
No radio or television antenna or other attachment may be affixed to exterior walls or roofs without the Board of Directors' prior written consent.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(e); Instrument 0552483, recorded 11/14/2005
Conditional
Solar panels
No solar clause; the catch-all bars any attachment or thing affixed to exterior walls or roofs without the Board of Directors' prior written consent.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(e); Instrument 0552483, recorded 11/14/2005
✗ Not allowed
Landscaping, trees & gardens
No Owner is allowed to plant trees, landscape or do any gardening in any of the Common Areas; the Association landscapes and maintains them.
Bylaws Article VI, Section 6.01(l); Bylaws Section 3.06(c); Instrument 0552483, recorded 11/14/2005
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 customary household pets allowed in a Unit if not kept for commercial purpose and not a nuisance; Board may require a security deposit.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(f); Instrument 0552483, recorded 11/14/2005
Conditional
Renting your home
No Owner may occupy a Unit more than six months in any year or use it as a permanent mailing address; for rent signs need Board consent.
Bylaws Article VI, Sections 6.01(a) and 6.01(i); Declaration Paragraph 17(c); Instrument 0552483, recorded 11/14/2005
Conditional
Basketball hoops
Common Areas may be used only as designed, and additions affecting them need the Board's prior written approval.
Bylaws Article VI, Section 6.01(m); Declaration Paragraph 14; Instrument 0552483, recorded 11/14/2005
✗ Not allowed
Yard signs
No for-sale, for-rent, for-lease or other signs, or window or advertising display, on or in any Unit without the Board's prior written consent.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Sections 6.01(i) and 6.01(e); Instrument 0552483, recorded 11/14/2005
Conditional
Street parking
Parking areas are Common or Limited Common Areas; trucks, buses, trailers, boats, campers and mobile homes may not be parked or stored anywhere on the Property.
Bylaws Article VI, Section 6.01(k); Declaration Paragraph 7(b); Instrument 0552483, recorded 11/14/2005
Not stated
Running a business from 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 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.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(k); Instrument 0552483, recorded 11/14/2005
Conditional
Trash & recycling containers
Common Areas must be kept free of rubbish, debris and unsightly materials; the Association procures garbage and waste removal as a Common Expense.
Bylaws Article VI, Section 6.01(h); Bylaws Section 3.06(b); Instrument 0552483, recorded 11/14/2005
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 clothes, sheets, blankets, rugs, laundry or other things may be hung out or exposed on, or visible from, any part of the Common Areas.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(h); Instrument 0552483, recorded 11/14/2005
Conditional
Flags & flagpoles
No specific flag clause; the catch-all bars any other attachment or thing on exterior walls or roofs without the Board's prior written consent.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Section 6.01(e); Instrument 0552483, recorded 11/14/2005
Conditional
Window coverings & decorations
Anything hung inside or outside windows or patio doors must show only white or beige tones outside; exterior displays need the Board's written consent.
Bylaws of Waterford Estates Lodge Condominium, Article VI, Sections 6.01(h) and 6.01(e); Instrument 0552483, recorded 11/14/2005
Where these rules come from
Every rule above is summarized from these documents. Ask us for the source on any answer.
- Declaration of Waterford Estates Lodge (Condominium), with Bylaws (Exhibit B) and Exhibits A-C — recorded 11/14/2005, Inst. #0552483
- MISMATCH (not Eldred's Lily Road): First Amendment to the Declaration of Waterford Estates Lodge, by SB Condo Hotel, LLC — amends original Declaration recorded 11/14/2005 as Instrument No. 0552483 — recorded 2006-09-08, Inst. #0639036
- MISMATCH (not Eldred's Lily Road): Exhibit C — Percentage Interests / unit-by-unit sq. ft. breakdown, Waterford Estates Lodge (200 units: 199 residential + 1 commercial)
- MISMATCH (not Eldred's Lily Road): Mortgage and Security Agreement and Fixture Filing, SB Condo Hotel LLC (mortgagor) to West End/Mercury Short-Term Mortgage Fund LP (mortgagee) — commercial condo-hotel loan at 52890 Indiana State Route 933 North, South Bend IN; pages 2-46 of that instrument — recorded 2008-08-12, Inst. #0826555
- OFF-TOPIC: Mortgage and Security Agreement and Fixture Filing between SB Condo Hotel, LLC (mortgagor) and West End/Mercury Short-Term Mortgage Fund, LP (mortgagee), covering condominium units at Waterford Estates Lodge Condominium, 52890 Indiana State Route 933 North, South Bend, Clay Township, St. Joseph County, Indiana. NOT the Eldred's Lily Road declaration/bylaws. — recorded 2008-08-12 (11:19:24 AM, per recorder stamp; instrument dated as of August 7, 2008)
- Declaration of Waterford Estates Lodge (condominium under I.C. 32-25-1-1 et seq.), by SB Condo Hotel, LLC, with Bylaws of Waterford Estates Lodge Condominium and Waterford Estates Lodge Owners' Association, Inc. attached as Exhibit B — recorded 11/14/2005 09:50:03AM (Terri J. Rethlake, St. Joseph County Recorder; REC FEE $119.00; PAGES: 55), Inst. #0552483
- First Amendment to the Declaration of Waterford Estates Lodge, by SB Condo Hotel, LLC (amends the Declaration recorded as Instrument No. 0552483) — recorded 09/08/2006 01:32:03PM, Inst. #0639036
- Mortgage and Security Agreement and Fixture Filing, SB Condo Hotel, LLC to West End/Mercury Short-Term Mortgage Fund, LP - 52890 Indiana State Route 933 North, South Bend (Clay Township) — recorded 08/12/2008 11:19:23AM, Inst. #0826555
Waterford Estates Lodge questions, answered
What do the HOA dues cover at Waterford Estates Lodge?
Recent listings report dues around $321 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 Waterford Estates Lodge a 55+ community?
No — there is no age restriction recorded for this community.
What do homes at Waterford Estates Lodge 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 Waterford Estates Lodge?
Get a number for yours built from this community’s own sales, plus the strategy to earn the top of the range.
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