Villages of Charter Oak Reagan Villas Unit 104

Restricted

The community is an adult community for persons 55 years of age or older, requiring at least one permanent resident per home to be 55+, with exceptions for visitors under 19 for up to 30 days annually and hardship exceptions for residents between 19 and 55, provided 80% adult occupancy is maintained.

“The Subdivision is an adult community designed to provide housing for persons 55 years of age or older. All homes that are occupied must be occupied by at least one person who is at least fifty-five (55) years of age. No person under nineteen (19) years of age may be a permanent resident of a home, except that persons below the age of nineteen (19) years may be permitted to visit and temporarily reside for periods not exceeding thirty (30) days in total in any calendar year period.”

Declaration · Section 1. · p.5

Last verified 2026-07-17

Not addressed

Not addressed

Restricted

Birds, fish, dogs, and cats are permitted, with a maximum of two pets per Homesite; owners are responsible for pet damage, immediate waste removal, and keeping pets on a leash; other animals, livestock, or poultry are prohibited.

“Birds, fish, dogs and cats shall be permitted, with a maximum of two (2) pets per Homesite. Each Owner shall be personally responsible for any damage caused to any dedicated or reserved area by any such pet and shall be responsible to immediately remove and dispose of any excrement of such pet and shall be responsible to keep such pet on a leash. No other animals, livestock, or poultry of any kind shall be raised, bred, or kept on any Homesite or on any dedicated or reserved area.”

Declaration · Section 6. · p.5

Last verified 2026-07-17

Not addressed

Not addressed

Restricted

Vehicles must be parked entirely within driveways, garages, or non-visitor parking spaces; trucks over 3/4 ton, campers, boats, trailers, aircraft, or any non-private non-commercial vehicles are prohibited from parking spaces, though boats may be kept in a closed garage.

“No Owner of a Homesite shall park, store, or keep any vehicle except wholly within his driveway, garage or other non-visitor parking spaces. No truck in excess of 3/4 ton, camper, boat, trailer, or aircraft, or any vehicle other than a private non-commercial vehicle may be parked in a parking space except a boat may be kept in the garage with the garage door closed.”

Declaration · Section 21. · p.9

Last verified 2026-07-17

Restricted

Owners are responsible for maintaining, cleaning, and painting all fences, walls, and gates, which must be of a uniform color and paint type, with specific maintenance responsibilities for perimeter homesites and those adjacent to security walls.

“Owners shall be responsible for all wall and fence maintenance not assumed by the District in ARTICLE II. Section 1. Subject to these restrictions each Owner shall paint and keep clean all fences and walls. The gate on the gate fence or wall shall be maintained by the Owner enjoying the use of the adjacent side yard area. Owners shall be responsible for maintenance and repair of the structural integrity of all walls and fences serving the Owners' Homesites whether on the Owner's Homesite or on an adjacent Homesite, reserved area, or dedicated area. Where a wall or fence serves more than one Homesite, the cost of maintaining and repairing the structural integrity of the wall or fence shall be shared among the respective Owners served by such wall. In addition, the Owners of Homesites 11, 21, 27, 41, 42, 45, 56, 57, and 68 shall clean and paint the exterior portion of the wall or fence upon their Homesites facing the adjoining road right of way or parking area. The Owners of Homesites 10, 11, 21, 22, 27, and 28 shall also clean and paint the interior portion of the security wall or fence upon and adjacent to the Homesites and shall mow and maintain in a neat and clean manner, the area located between such Owners Homesites and the centerline of the unpaved right of way adjoining such Homesites. Owners of Homesites on the perimeter of the Subdivision who must maintain the exterior of the fence on their Homesites are encouraged to do so in a cooperative and uniform manner with other adjacent Homesite Owners so as to present to the public a uniform well maintained appearance of the Subdivision as a whole. All gates, walls and fences must be of a uniform color and type of paint. Owners intending to paint must contact the Declarant or the District for paint specifications.”

Declaration · Section 7. · p.9

Last verified 2026-07-17

Requires approval

Owners must obtain prior written approval from the Declarant or an architectural review committee for any structural alteration, exterior repainting or repair, or addition that substantially alters the residence's exterior appearance, ensuring consistency with the subdivision's development plan and compliance with surface water management system plans.

“No Owner, other than Declarant or its transferees, shall make any structural alteration, or shall undertake any exterior repainting or repair of, or addition to his residence, which would substantially alter the exterior appearance thereof, without the prior written approval of the plans and specifications therefor by the Declarant or an architectural review committee appointed by the Declarant. The Declarant or an architectural review committee designated by the Declarant shall grant its approval only in the event the proposed work (a) will benefit and enhance the entire Subdivision in a manner generally consistent with the plan of development thereof and (b) complies with the construction plans for the surface water management system pursuant to Chapter 40 D-4, F.A.C., approved and on file with the Southwest Florida Water Management District.”

Declaration · Section 8. · p.9

Last verified 2026-07-17

Not allowed

No business of any kind is permitted to be conducted on any residence, with the exception of the Declarant's business of developing and selling Homesites.

“No business of any kind shall be conducted on any residence with the exception of the business of Declarant and the transferees of Declarant in developing and selling all of the Homesites as provided herein.”

Declaration · Section 2. · p.5

Last verified 2026-07-17

Restricted

No signs are permitted without prior written consent from the Declarant, except for customary name and address signs and one 'for sale or rent' sign, which must be no larger than 12x12 inches and visible only through a window.

“No sign of any kind shall be displayed to public view on a Homesite or any dedicated or reserved area without the prior written consent of the Declarant, except customary name and address signs and one sign advertising a property for sale or rent which shall be no larger than twelve (12) inches wide and twelve (12) inches high and which shall be located wholly within the residence and only visible through a window of the residence.”

Declaration · Section 4. · p.5

Last verified 2026-07-17

Not addressed

Restricted

No aerials, satellite reception dishes, or antennas of any kind are permitted within the Subdivision, except as specifically allowed by law, and the location of any improved device must be previously approved by the Declarant in writing.

“No aerials, satellite reception dishes, or antennas of any kind, nor window air-conditioners or irrigation wells are permitted within the Subdivision, except as specifically allowed by law. The location of any improved device will be as previously approved by the Declarant in writing.”

Declaration · Section 10. · p.6

Last verified 2026-07-17

Not allowed

No unauthorized person may enter onto any wildlife preserve designated within the Development Order.

“No unauthorized person may enter onto any wildlife preserve set forth within the areas designated as such in the Development Order entered into in connection with the Villages of Fruitland Park, a Development of Regional Impact, or as it may be amended from time to time.”

Declaration · Section 18. · p.7

Last verified 2026-07-17

Restricted

No ingress or egress to or from any Homesite is permitted except via driveways and sidewalks originally constructed by Declarant; no driveways, walkways, cartpaths, or access shall be located on or permitted on any road right-of-way, walkway, or cartpath, except as originally constructed by the Declarant.

“No ingress or egress to or from any Homesite is permitted except pursuant to such driveways and sidewalks as originally constructed by Declarant. ... Except as originally constructed by the Declarant, no driveways, walkways, cartpaths or access shall be located on or permitted on any road right-of-way, walkway or cartpath.”

Declaration · Section 7. · p.6

Last verified 2026-07-17

Restricted

All fences and walls must be of a uniform color and paint type, and owners must contact the Declarant or District for paint specifications before painting.

“All Fences and Walls must be of a uniform color and type of paint. Owners intending to paint their fence walls must contact the Declarant or the District for paint specifications.”

Declaration · Section 1. Alterations, additions, and Improvements of Residences. · p.9

Last verified 2026-07-17

Restricted

Each Owner must repair their residence to a condition comparable to its initial construction, excepting normal wear and tear, and is responsible for maintaining in a mowed, edged, neat, and clean manner: the portion of their Homesite not subject to side yard or driveway easements, their side yard easement area, driveway easement area, and driveway (whether on their Homesite or an adjacent one), and the unpaved area between an adjacent roadway or walkway and their Homesite.

“Subject to these restrictions, each Owner shall, at his sole cost and expense, repair his residence, other than as otherwise provided for herein, keeping the same in condition comparable to the condition of such residence at the time of its initial construction, excepting only normal wear and tear. Each Homesite Owner shall be responsible for maintaining in a mowed, edged, neat and clean manner: (i) that portion of his Homesite not subject to side yard or driveway easements. (ii) his side yard easement area, driveway easement area and driveway, whether on his Homesite or on an adjacent Homesite, reserved area, or dedicated area. (iii) the unpaved area between an adjacent roadway or walkway located in the road right of way and the Owner's Homesite.”

Declaration · Section 1. · p.8

Last verified 2026-07-17

Not allowed

The hanging of clothes or clotheslines or placing of clothes poles is prohibited to the extent allowed by law.

“The hanging of clothes or clotheslines or placing of clothes poles is prohibited to the extent allowed by law.”

Declaration · Section 10. · p.6

Last verified 2026-07-17

Restricted

Lawn ornaments are prohibited, except for seasonal displays that do not exceed a thirty (30) day duration.

“Lawn ornaments are prohibited, except for seasons displays not exceeding a thirty (30) day duration.”

Declaration · Section 4. · p.5

Last verified 2026-07-17

Restricted

Owners must regulate irrigation water service to their Homesite and comply with the Irrigation Water Service Schedule determined by SWCA; repeated failure to comply may result in SWCA installing a control valve at the Owner's cost; supplemental irrigation for new landscaping during a 30-day grow-in period is limited to 30 minutes per day in addition to the regular schedule, and SWCA reserves the right to suspend this supplemental service.

“The Owner of the Homesite shall regulate the irrigation water service to the Homesite and will be responsible for complying with the Irrigation Water Service Schedule. If Owner repeatedly fails to comply with the Irrigation Water Service Schedule, SWCA may enter onto the Homesite, over and upon easements hereby reserved in favor of SWCA, and install a control valve to compel Owner's compliance with the Irrigation Water Service Schedule, with all costs related thereto being charged to Owner. If new landscaping is installed on a Homesite, the Owner may allow additional irrigation water service at the Homesite to supplement the Irrigation Water Service Schedule ("Supplemental Irrigation Water Service"), during the grow-in period, which is typically thirty (30) days. Supplemental Irrigation Water Service at a Homesite may not exceed thirty (30) minutes of irrigation water service per day, during the grow-in period, in addition to the Irrigation Water Service Schedule. SWCA reserves the right to suspend Supplemental Irrigation Water Service at Homesites.”

Declaration · Section 7. · p.8

Last verified 2026-07-17

Not allowed

Individual mailboxes are not permitted on Homesites; mailboxes are provided by the U.S. Postal Service and housed by the Declarant for a one-time charge of $190.00 per box, payable at the initial sale.

“Individual mailboxes may not be located upon a Homesite. Mailboxes are provided by the U.S. Postal Service at no cost to Owner, however, those boxes shall be housed by the Declarant at a one time charge of $190.00 per box, payable at the time of the initial sale of the Homesite from Declarant to Owner.”

Declaration · Section 16. · p.6

Last verified 2026-07-17

Restricted

Repair or restoration of motor vehicles, boats, trailers, aircraft, or other vehicles is prohibited on any homesite or dedicated/reserved areas, except for emergency repairs necessary to move the vehicle to a proper repair facility.

“No Owner of a Homesite shall repair or restore any motor vehicle, boat, trailer, aircraft, or other vehicle on any portion of any Homesite, or on dedicated or reserved areas, except for emergency repairs, and then only to the extent necessary to enable movement thereof to a proper repair facility.”

Declaration · ARTICLE IX. PARKING RESTRICTIONS · p.9

Last verified 2026-07-17

Not allowed

Nothing shall be altered in, constructed on, or removed from any dedicated or reserved areas except with the written consent of the Declarant, after its original development, and landscaping maintenance in these areas is the duty of the District, prohibiting others from altering or maintaining it.

“Nothing shall be altered in, constructed on, or removed from any dedicated or reserved areas except on the written consent of the Declarant, after the original development thereof by the Declarant. Landscaping maintenance in the dedicated or reserved areas shall be the duty of the District and no other person shall attempt to alter or maintain it.”

Declaration · Section 9. · p.6

Last verified 2026-07-17

Restricted

Owners must rebuild, repair, or reconstruct any damaged or destroyed residence and walls to their prior appearance and condition within two months of damage and complete it within six months, unless prevented by governmental authority, subject to existing restrictions.

“If all or any portion of a residence is damaged or destroyed by fire or other casualty, it shall be the duty of the Owner thereof, with all due diligence, to rebuild repair, or reconstruct such residence and walls in a manner which will substantially restore it to its appearance and condition immediately prior to the casualty. Reconstruction shall be undertaken within two (2) months after the damage occurs, and shall be completed within six (6) months after the damage occurs, unless prevented by governmental authority. Such reconstruction is subject to the provisions of these restrictions.”

Declaration · Section 5. · p.9

Last verified 2026-07-17

Restricted

Owners must use their property to allow neighbors to enjoy theirs, with radios, record players, television, voices, and other sounds kept at a moderate level from 10:00 p.m. to one hour before daylight, excluding Declarant's construction noises.

“Owner(s) shall use his property in such a manner as to allow his neighbors to enjoy the use of their property. Radios, record players, television, voices and other sounds are to be kept on a moderate level from 10:00 p.m. to one (1) hour before daylight. These restrictions shall not apply to construction noises being made by the Declarant.”

Declaration · Section 3. · p.6

Last verified 2026-07-17

Restricted

The Declarant reserves the right to prohibit or control all peddling, soliciting, selling, delivery, and vehicular traffic within the Subdivision.

“The Declarant reserves the right to prohibit or control all peddling, soliciting, selling, delivery and vehicular traffic within the Subdivision.”

Declaration · Section 14. · p.6

Last verified 2026-07-17

Restricted

Rubbish, trash, garbage, or other waste material must be kept in sanitary containers concealed from public view until placed curbside for collection; garbage must be in plastic bags prescribed by Declarant, placed curbside no earlier than the day before pick-up, or in a dumpster if required by Declarant; all garbage must be in fully closed and sealed plastic bags prescribed by the Declarant; owners must use Declarant-provided garbage and trash service and pay associated fees; Declarant reserves the right to require participation in a curbside recycling program.

“Prior to being placed curbside for collection, no rubbish, trash, garbage, or other waste material shall be kept or permitted on any Homesite or on dedicated or reserved areas except in sanitary containers located in appropriate areas concealed from public view. Once placed curbside for collection, all garbage will be contained in plastic bags prescribed by Declarant and placed curbside no earlier than the day before scheduled pick-up. In the alternative, the Declarant shall have the right to require that garbage be placed in a dumpster and not placed curbside. In either event, all garbage must be contained in fully closed and sealed plastic bags prescribed by the Declarant. To Maintain the Subdivision in a clean and sanitory condition and to minimize heavy commercial traffic within the Subdivision, garbage and trash service shall be provided by Declarant, or Declarant's designee, and charges paid separately by each Owner. Owner agrees that garbage and trash service shall commence on the closing date the Owner purchases Owner's Homesite and home. Owner acknowledges that garbage and trash services is provided, and the fee for such service is payable, on a year-round basis regardless of use or occupancy. Declarant reserves the right to require all Owner's to participate in a curbside recycling program if and when one is instituted.”

Declaration · Section 11. · p.6

Last verified 2026-07-17