A Homeowner’s Guide to Navigating Subdivision Rules
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By: Diana Fajardo - April 29th, 2022

Understanding subdivision rules is of paramou&Rs), govern numerous aspects of property ownership within a subdivision. They may dictate everything from the color you can paint your house to the types of plants you can have in your yard.nt importance for homeowners. These rules, often referred to as covenants, conditions, and restrictions (CC

Adherence is not optional – violation can lead to fines or legal action by the homeowners association (HOA). By understanding and following these rules, homeowners can avoid potential disputes and contribute towards maintaining the aesthetic and economic value of the neighborhood.

In this guide, we will cover some key factors that homeowners should keep in mind while navigating subdivision rules.

What are Subdivision Rules?

Subdivision rules are a set of regulations agreed upon by homeowners within a specific neighborhood or development. These rules are typically created and enforced by an HOA, made up of elected residents who oversee the subdivision’s management.

The purpose of these rules is to maintain consistency and control in the community, ensuring that all properties maintain a certain level of aesthetic appeal. They also serve to protect the value of the homes within the subdivision by preventing any actions that could potentially lower property values.

Understanding CC&Rs

CC&Rs, or covenants, conditions, and restrictions, are a set of legally binding rules that dictate what homeowners can and cannot do with their properties. These rules are typically agreed upon when purchasing a home in a subdivision and are designed to protect the interests of all homeowners in the community.

CC&Rs may cover a wide range of topics, including:

  • Architectural guidelines: These guidelines control the design, appearance, and materials used for any additions or renovations made to a property.
  • Landscaping: CC&Rs may dictate what types of plants can be grown in yards, how often lawns must be mowed, and any restrictions on installing features like fences or sheds.
  • Noise levels: To maintain peace and harmony within the community, certain noise restrictions may be enforced, such as prohibiting loud parties or construction work during specific hours.
  • Pet ownership: CC&Rs may outline rules for pet ownership within the subdivision, including leash laws and regulations for picking up after pets.
  • Commercial activities: Homeowners may be prohibited from running a business out of their homes or using their properties for any commercial purposes.

It is crucial to thoroughly read and understand the CC&Rs before purchasing a property in a subdivision. These rules can vary greatly between different subdivisions, so it’s essential to know what you’re getting into before committing.

Navigating Common Issues

While CC&Rs are in place to maintain order and harmony within a subdivision, disputes can still arise between homeowners. Some common issues that may arise include:

  • Maintenance responsibilities: CC&Rs may dictate specific maintenance responsibilities for homeowners, such as keeping their properties free of trash or maintaining landscaping.
  • Parking regulations: Parking is often a limited commodity within subdivisions, and CC&Rs may have strict regulations in place, such as prohibiting parking on the street or limiting the number of vehicles per property.
  • Enforcement of rules: In some cases, homeowners may feel that certain rules are being unfairly enforced. It’s essential to address any issues with the HOA and try to come to a resolution before taking legal action.

Homeowners must understand their rights and responsibilities under the CC&Rs and work with their HOA to resolve any issues that may arise. For example, in Tulsa, Oklahoma, the property management company is responsible for enforcing CC&Rs and ensuring compliance within subdivisions.


Understanding subdivision rules is essential for all homeowners within a community. By following these rules, homeowners can contribute towards maintaining the aesthetic and economic value of their properties and avoid potential disputes with their HOA. It’s important to thoroughly read and understand the CC&Rs before purchasing a property and to work with the HOA to resolve any issues that may arise.

Do you have any additional tips for navigating subdivision rules? Share them in the comments below!

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