Understanding CC&Rs and Deeds

Deed restrictions, also known as Covenants, Conditions, and Restrictions (CC&Rs), can have a significant impact on how a property is used and, ultimately, on its value. These recorded documents give a Homeowners Association (HOA) the authority to oversee certain aspects of property use within a community. When purchasing in a development governed by CC&Rs, buyers agree to abide by these rules. Enforcement rights typically extend to the association, the collective property owners, and even individual homeowners. It’s essential for every buyer to review and understand the CC&Rs before committing to a purchase.

Before purchasing a home in a homeowners association (HOA), it’s important to understand that you’re not just buying a home—you’re buying into a community governed by specific rules, restrictions, and financial obligations. HOA fees, assessments, and regulations can impact your monthly budget and lifestyle. Review the HOA’s governing documents carefully, including covenants, conditions, and restrictions (CC&Rs), to ensure they align with your needs and expectations. Pay close attention to rules on parking, pets, exterior modifications, and rental policies. Unexpected assessments, disputes with the board, or poorly managed reserves can lead to additional costs down the road. Always request recent meeting minutes and financial statements before making your decision.