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#61
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Gene Kearns wrote in
: Either I didn't make myself clear or you guys need to read again for content..... (1) I wouldn't buy a property that came with a deed restriction and (2) my position was that NO agreement is binding unless you sign indicating assent. Check your mortgage paperwork and you will find that you have a copy of some sort of protective or restrictive covenant or CC&R, designed by the developer, that gave the HOA the power to tax you and determine how you will use your property. You will probably, also, find a rider on your deed that says you are aware of the covenant and will abide by its restrictions (which include all of its penalties). You signed all that didn't you? I still feel that if you didn't sign the paperwork covering the deed restriction.... you are not bound by what you didn't agree to.... (of course that means you probably (wisely) walked away from the deal). You couldn't be more wrong. It's not even not even open to debate. Take it from me, I'm a real estate attorney. To borrow a line from the movie "War of the Roses," when someone who gets paid $400/hour wants to give you free advice, you should listen. You don't sign a deed. It is delivered to you, signed by the seller, who is referred to in the deed as the grantor. You are the grantee. Brokers and others may have you sign something saying you are aware of the covenants, but that's just so you don't sue them saying they should have told you. Regardless, if you buy property subject to a restrictive covenant, then as long as you own that property, you are subject to that covenant. Some covenants turn out to be unenforcible for varous reasons, but not because you didn't sign something. As was previously pointed out, racial covenants cannot be enforced. There are other covenants that aren't enforcible either, but that would take years and costs thousand of lives (another movie line;-) to explain. Suffice it to say, you buy property subject to an HOA and your stuck with it whether you signed anything or even knew about. You are charged with researching the title all the way back to the time the government first deeded the property to the first owner. Since that is not practical for you to do, you get an opinion of an abstractor, or in many states, title insurance, or both. Caveat Emptor! |
#62
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#63
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posted to rec.boats
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Gene Kearns wrote:
On Tue, 21 Aug 2007 19:29:24 -0400, BAR penned the following well considered thoughts to the readers of rec.boats: Gene Kearns wrote: On Tue, 21 Aug 2007 12:02:26 -0700, penned the following well considered thoughts to the readers of rec.boats: Your suggestion to buy somewhere that doesn't have an HOA sounds really good, except that most people don't have the money to buy the kind of home they would REALLY like. In other words, not everyone is rich, or lives in an area that the housing cost are reasonable compared to wages. For us working folks, HOAs can be a necessary evil, if we want to buy SOME kind of home. It must be nice to have lots of $$. It is unfortunate that for many, it really warps their comprehension of the reality of life for for regular working folks. That is odd! Here in NC, it is the high end neighborhoods where HOAs are all the rage. Many HOAs seem to exist, in part, to enforce rules where it gives the illusion that no one in the neighborhood must either work for a living or do any personal manual labor (winterize the boat, for example). Its all about keeping you from putting that single wide in the backyard for mama and making sure that you don't have that old Chevy up on blocks in the front yard fro a couple of years. Simply a straw man. Cities and towns have ordinances governing these practices and there really is no need to create an umbrella of civil litigation over the existing laws.... unless you are an attorney, then it probably seems like a great idea! Most covenants are written such that you can keep a boat on the property if it is housed within a garage..... and many covenants prohibit an unattached garage. So.... you can have your boat if you can afford a house/garage big enough to house both. Go figure....... Its all about resale value. I think there is more to it than that. No, it really is all about the resale value. When you drive through my neighborhood you see that every yard is clean and well kept, the paint is not peeling off the trim, the garage doors all work and look good. There are no paved over front yards, although one or two owners would do it if they could, and houses sell rather quickly with deals that don't fall through at the closing table. |
#64
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posted to rec.boats
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BAR wrote:
Gene Kearns wrote: On Tue, 21 Aug 2007 19:29:24 -0400, BAR penned the following well considered thoughts to the readers of rec.boats: Gene Kearns wrote: On Tue, 21 Aug 2007 12:02:26 -0700, penned the following well considered thoughts to the readers of rec.boats: Your suggestion to buy somewhere that doesn't have an HOA sounds really good, except that most people don't have the money to buy the kind of home they would REALLY like. In other words, not everyone is rich, or lives in an area that the housing cost are reasonable compared to wages. For us working folks, HOAs can be a necessary evil, if we want to buy SOME kind of home. It must be nice to have lots of $$. It is unfortunate that for many, it really warps their comprehension of the reality of life for for regular working folks. That is odd! Here in NC, it is the high end neighborhoods where HOAs are all the rage. Many HOAs seem to exist, in part, to enforce rules where it gives the illusion that no one in the neighborhood must either work for a living or do any personal manual labor (winterize the boat, for example). Its all about keeping you from putting that single wide in the backyard for mama and making sure that you don't have that old Chevy up on blocks in the front yard fro a couple of years. Simply a straw man. Cities and towns have ordinances governing these practices and there really is no need to create an umbrella of civil litigation over the existing laws.... unless you are an attorney, then it probably seems like a great idea! Most covenants are written such that you can keep a boat on the property if it is housed within a garage..... and many covenants prohibit an unattached garage. So.... you can have your boat if you can afford a house/garage big enough to house both. Go figure....... Its all about resale value. I think there is more to it than that. No, it really is all about the resale value. When you drive through my neighborhood you see that every yard is clean and well kept, the paint is not peeling off the trim, the garage doors all work and look good. There are no paved over front yards, although one or two owners would do it if they could, and houses sell rather quickly with deals that don't fall through at the closing table. The developers put together the restrictive covenants and the HOA because it helps them sell the homes initially. If the homeowners and the HOA enforce the covenants it does make the neighborhood have much better curb appeal and homes will sell much quicker. Nothing worse than a yard with cars parked all over. with half the cars torn apart and not working, it to destroy the resale value of all the homes close by. Most HOA would not worry if someone was working on a boat for a day, but if the boat was out in the street, or torn apart in the driveway or yard, they would enforce the covenants. That being said, they will be some HOA Nazi's, but if the homeowners don't like their enforcement style, they will vote them out quickly. |
#65
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posted to rec.boats
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On Thu, 23 Aug 2007 07:27:57 -0400, BAR wrote:
No, it really is all about the resale value. When you drive through my neighborhood you see that every yard is clean and well kept, the paint is not peeling off the trim, the garage doors all work and look good. There are no paved over front yards, although one or two owners would do it if they could, and houses sell rather quickly with deals that don't fall through at the closing table. My neighborhood is no different and there is no HOA. When homes reach a certain price range people take care of them. The village imposes some fencing restrictions and they'll ticket you if your grass gets too shaggy. Had a warning on my door when we got back from vacation once because my son had let it go for more than a week. But I found this on the village website: "FENCES Fences are not permitted on any part of a front yard. Fences are not permitted on any side yards that face an intersecting street. Fences may be built up to a height of six feet from ground level, and the finished side”of the fence must face outward. A permit is required before installing or replacing a fence. PROPERTY & LAWN MAINTENANCE Each property owner is responsible for the minimum maintenance requirements established by ordinance. Code enforcement personnel routinely monitor compliance. Using the Village’s Minimum Housing Standards Ordinance that establish the minimum standards to ensure the health, safety and welfare of the public, code enforcement officers review exterior and interior maintenance, drainage, sanitary facilities, rodent infestation and other aesthetic, health and safety considerations. Deficiencies include peeling paint, improper storage on property, abandoned automobiles, and overgrown vegetation. Residents are notified if their homes fall below these standards. No person may permit weeds, grass or plants other than trees, bushes or other ornamental shrubs to grow to a height exceeding six inches. All landscape debris must be properly disposed. Please review the Yard Waste information in the Garbage and Recycling section. Violators of property maintenance codes are subject to a code enforcement ticket and a fine between $75 and $750. VEHICLE & BOAT STORAGE Boats, commercial vehicles and other recreational vehicles may not be parked or placed in front yard driveways (front yard driveways are defined as the area between the curb and the front building line). They must be parked behind the building line on a hard surface, screened from view or garaged. No vehicle may be parked on unpaved surfaces in front yards. Vehicles not garaged must be licensed and operable." That boat part is even more restrictive than the HOA we're talking about here. As a matter of fact, I've never seen a boat anywhere around here. Oh oh. Better tell my wife we have to move to Florida. I'm thinking there's nothing wrong with HOA's per se so long as you know what you're getting into. In fact, you better be aware of local ordinances too. It's like that old Holiday Inn commercial about surprises. --Vic |
#66
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posted to rec.boats
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On Thu, 23 Aug 2007 07:27:57 -0400, BAR penned the following well
considered thoughts to the readers of rec.boats: No, it really is all about the resale value. When you drive through my neighborhood you see that every yard is clean and well kept, the paint is not peeling off the trim, the garage doors all work and look good. There are no paved over front yards, although one or two owners would do it if they could, and houses sell rather quickly with deals that don't fall through at the closing table. None of the properties I own have a deed restriction. All of them sound like your description.... except I can't conceive of a paved yard.... we have real lawns. One neighboring house that just sold was never even listed. It sold within an hour, the morning it went on the market. Apparently, there are many exceptions to your rule! -- Grady-White Gulfstream, out of Oak Island, NC. Homepage http://pamandgene.idleplay.net/ Rec.boats at Lee Yeaton's Bayguide http://www.thebayguide.com/rec.boats ----------------- www.Newsgroup-Binaries.com - *Completion*Retention*Speed* Access your favorite newsgroups from home or on the road ----------------- |
#67
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posted to rec.boats
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Gene Kearns wrote:
On Thu, 23 Aug 2007 07:27:57 -0400, BAR penned the following well considered thoughts to the readers of rec.boats: No, it really is all about the resale value. When you drive through my neighborhood you see that every yard is clean and well kept, the paint is not peeling off the trim, the garage doors all work and look good. There are no paved over front yards, although one or two owners would do it if they could, and houses sell rather quickly with deals that don't fall through at the closing table. None of the properties I own have a deed restriction. All of them sound like your description.... except I can't conceive of a paved yard.... we have real lawns. One neighboring house that just sold was never even listed. It sold within an hour, the morning it went on the market. Apparently, there are many exceptions to your rule! Gene, Of course there are, but if you are one of the people who live next to someone who has destroyed the value of your home, you would wish there were restrictive covenants. For what it is worth, most homes do have some restrictive covenants enforced by the local or county goverements (ie zoning, sanitary etc.) |
#68
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posted to rec.boats
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akheel wrote:
The OP should point that out to the busy buddy and tell him or her to pound sand. The busy buddy won't even bother listening to the OP's opinion. He's not the property owner. The busy buddy is the girlfriend's problem. And she's the one that'll have to put up with the busy buddy as well as the rest of her neighbors day in and day out in the future. Not sure why so many here are missing that point. Rick |
#69
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![]() "Reginald P. Smithers III" wrote in message . .. Nothing worse than a yard with cars parked all over. with half the cars torn apart and not working, it to destroy the resale value of all the homes close by. Our properties are private (heh) and not subject to HOA restrictions, but *are* subject to town ordinances, conservation, etc. I had a go-a-round with the town because I was clearing some ditches of old branches, leaves, etc. so the water would flow better. Long story short, it took 2 years, lawyer fees and a environmental scientist consultant to accomplish what I could have done in an afternoon. During this experience I got so ticked off that I started reviewing some of the town ordinances. One, common to many towns, permits only one unregistered vehicle to be on any property. We happen to own three adjacent but irregularly shaped lots, all three of which meet at one point at the end of our driveway. I seriously considered purchasing three old, rusty "clunker" type cars and parking them next to each other where the lots meet, each on a separate lot, just to **** the town administrators off. My wife convinced me to be a little more rational. Eisboch |
#70
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On Wed, 22 Aug 2007 19:24:05 -0500, John H. penned the following well
considered thoughts to the readers of rec.boats: On Wed, 22 Aug 2007 08:35:53 -0400, Gene Kearns wrote: On Tue, 21 Aug 2007 20:55:52 -0500, lid penned the following well considered thoughts to the readers of rec.boats: Phantman: I don't know about your state, but in mine it's as binding as any other deed restriction. And deed restrictions are very much binding. Gene Kearns wrote: Even if you don't sign it? Yep. A deed restriction runs with the land. It's one of the reasons you get a Title Opinion before buying property. To uncover these sorts of things. Nope. You miss the point. Wisest, IMHO, course is to walk away and look for a property that doesn't beg for civil litigation...... That is my comfort level. YMMV. Gene, I'd defy you to do that within an hour's drive of downtown D.C. The new stuff going up here is all in developments, all with HOA's. Almost all of the older (less than 20 years) is the same way. Some, like mine, built in 1987, escaped the HOA covenants, etc. But, within two blocks there are five houses with more than ten Mexican adults in each. This is why I'm in a semi-rush to move. Don't blame you for that. My experience with that area is all old... thankfully. My aunt and uncle owned 13 acres in Lanham, which is certainly with an hours drive.... it was secluded by a deep woods and had deer, rabbits, squirrels, etc. on the property. They both were research scientists at the DoA and the landscaping on the property was varied and beautiful. I've spent many days on that property sitting against a tree next to the spring reading good books. It was a great place to spend time. They sold in the early 90's. I'm sure that property is now raped of trees and planted with cookie cutter tract homes ruled over by an HOA and all of the intrinsic citizen-enforcers that it inevitably creates. The development(s) in that area are why I no longer have any interest in going back... other than, perhaps, a short trip to the museums, etc. Do you have any points of interest in the Carolinas on your short list, yet? -- Grady-White Gulfstream, out of Oak Island, NC. Homepage http://pamandgene.idleplay.net/ Rec.boats at Lee Yeaton's Bayguide http://www.thebayguide.com/rec.boats ----------------- www.Newsgroup-Binaries.com - *Completion*Retention*Speed* Access your favorite newsgroups from home or on the road ----------------- |
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