est. 2026 · Florida

Villages of Charter Oak Unit 27

, Lake County, FL

Part of The Villages. This is one platted neighborhood (“Unit”) within The Villages; its rules come from its own recorded declaration. See the The Villages overview.

deed restricted

Core rules12

Occupancy / age restrictions

Restricted

Homesites are for residential purposes only, prohibiting commercial, professional, or similar activities that require inventory, equipment, or customer/client visits.

All Homesites included in the Subdivision shall be used for residential purposes only and shall be subject to the following specific residential use restrictions in addition to the general restrictions contained in the Declaration of Restrictions. Properties within the Subdivision are intended for residential use and no commercial, professional or similar activity requiring either maintaining an inventory, equipment or customer/client visits may be conducted in a Home or on a Homesite.

Declaration · 2.1 · p.1

Last verified 2026-07-17

Rentals / leasing

Not addressed

Short-term rentals

Not addressed

Pets

Restricted

Owners are permitted to have birds, fish, dogs, and cats, with a maximum of two pets per Homesite, and are responsible for their pets' waste and keeping them on a leash.

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 dedicated or reserved areas 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 dedicated or reserved areas.

Declaration · p.3

RVs & campers

Restricted

Recreational vehicles are prohibited from being parked or stored on any Homesite or street, unless fully enclosed within a garage or if they are temporary service vehicles.

No trucks in excess of 3/4 ton size, boats, or recreational vehicles shall be parked, stored or otherwise remain on any Homesite or street, except for (a) service vehicles located thereon on a temporary basis while performing a service for a resident or (b) vehicles fully enclosed in garages located on the Homesite.

Declaration · Section 2.4 · p.2

Boats

Restricted

Boats are prohibited from being parked or stored on any Homesite or street, unless fully enclosed within a garage or if they are temporary service vehicles.

No trucks in excess of 3/4 ton size, boats, or recreational vehicles shall be parked, stored or otherwise remain on any Homesite or street, except for (a) service vehicles located thereon on a temporary basis while performing a service for a resident or (b) vehicles fully enclosed in garages located on the Homesite.

Declaration · Section 2.4 · p.2

Parking

Restricted

Parking of trucks exceeding 3/4 ton, boats, or recreational vehicles on any Homesite or street is prohibited, except for temporary service vehicles or vehicles fully enclosed in garages.

No trucks in excess of 3/4 ton size, boats, or recreational vehicles shall be parked, stored or otherwise remain on any Homesite or street, except for (a) service vehicles located thereon on a temporary basis while performing a service for a resident or (b) vehicles fully enclosed in garages located on the Homesite. No vehicles incapable of operation shall be stored on any Homesite nor shall any junk vehicles or equipment be kept on any Homesite.

Declaration · Section 2.4 · p.2

Fences

Requires approval

No fence or similar structure may be placed on the property without prior written approval from the Developer.

No arbor, trellis, gazebo, pergola (or similar item), awning, fence, barrier, wall or structure of any kind or nature shall be placed on the property without prior written approval of the Developer.

Declaration · p.3

Architectural approval

Restricted

Only one conventionally built home is permitted per homesite, which must have a garage, be at least 1050 square feet (excluding non-heated/non-air-conditioned space), have at least a 4" in 12" roof pitch, and be of a design, color, construction materials, and size approved by the Developer, including specific requirements for eave and gable overhangs, roofing materials, and ceilings.

There shall be only one Home on each Homesite. All Homes must have garages and be of at least 1050 square feet, exclusive of any garage, storage room, screen room or other non-heated and non-air-conditioned space. All Homes must be constructed with at least a 4" in 12" rise and run roof pitch. The Home shall be a conventionally built Home and which must be placed on the Homesite and constructed by the Developer, or its designee, of a design approved by the Developer as being harmonious with the development as to color, construction materials, design, size and other qualities. Each Home must have eave overhangs and gable overhangs, and all roofing materials shall be approved by the Developer, including the roof over garages, screen porches, utility rooms, etc., and all areas must have ceilings.

Declaration · 2.2 · p.1

Last verified 2026-07-17

Home business

Not allowed

Commercial, professional, or similar activities requiring inventory, equipment, or customer/client visits are not permitted to be conducted in a Home or on a Homesite.

Properties within the Subdivision are intended for residential use and no commercial, professional or similar activity requiring either maintaining an inventory, equipment or customer/client visits may be conducted in a Home or on a Homesite.

Declaration · Section 2.4 · p.2

Signs

Restricted

No sign of any kind may be displayed to public view on a homesite or dedicated/reserved area without prior written consent from the Developer, except for customary name and address signs and one 'for sale or rent' sign no larger than 12x12 inches, located wholly within the home 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 Developer, 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 Home and only visible through a window of the Home.

Declaration · 2.16 · p.3

Last verified 2026-07-17

Setbacks

Not addressed

Exterior & architectural7

Antennas, solar panels, generators & equipment

Restricted

Aerials, satellite reception dishes, and antennas of any kind are prohibited within the Subdivision to the extent allowed by law, with the location of any approved device requiring prior written approval from the Developer.

Aerials, satellite reception dishes, and antennas of any kind are prohibited within the Subdivision to the extent allowed by law. The location of any approved device will be as previously approved by the Developer in writing.

Declaration · 2.17 · p.3

Last verified 2026-07-17

Conservation, wetlands & environmental

Not allowed

No person may enter into any wildlife preserve designated in the Development Orders, except as permitted therein.

Except as permitted in the Development Orders entered into in connection with the Villages of Fruitland Park, a Development of Regional Impact, no person may enter into any wildlife preserve set forth within the areas designated as such in those Development Orders.

Declaration · 2.14 · p.3

Last verified 2026-07-17

Driveways & walkways

Restricted

Each home and homesite must have a concrete driveway, and a lamppost must be erected in the front yard of each homesite.

Each Home and Homesite must contain a concrete driveway, and a lamppost must be erected in the front yard of each Homesite.

Declaration · 2.8 · p.2

Last verified 2026-07-17

Exterior & landscape lighting

Restricted

Exterior lighting must be attached to the Home and shaded to prevent nuisance to others, and no other light poles may be erected.

Except as provided above, exterior lighting must be attached to the Home and shaded so as not to create a nuisance to others. No other light poles may be erected.

Declaration · 2.19 · p.3

Last verified 2026-07-17

Pools, spas & screen enclosures

Allowed

Screen cages over patios and pools are permitted.

Screen cages over patios and pools are allowed.

Declaration · 2.4 · p.1

Last verified 2026-07-17

Property & structure upkeep

Restricted

Owners must keep their homesites neat and clean, with grass cut, irrigated, and edged at all times, and are responsible for mowing and maintaining unpaved areas between their homesite and adjacent roadways/walkways, as well as areas between their lot line and land use/landscape buffers or board fences on wildlife preserves.

Owners shall keep their Homesites neat and clean and the grass cut, irrigated and edged at all times. The Homesite Owner shall have the obligation to mow and maintain the unpaved area between an adjacent roadway or walkway located in the road right of way and the Owner's Homesite. Persons owning Homesites adjacent to a land use or landscape buffer, or a wildlife preserve, shall have the obligation to mow and maintain all areas between their Homesite lot line and the land use or landscape buffer, and between their Homesite lot line and the board fence on the adjoining wildlife preserve, even though they may not own that portion of the land.

Declaration · 2.12 · p.2

Last verified 2026-07-17

Roofing

Requires approval

All roofing materials, including those over garages, screen porches, and utility rooms, must be approved by the Developer, and all areas must have ceilings.

All Homes must be constructed with at least a 4" in 12" rise and run roof pitch. Homes constructed by Developer may deviate from the minimum square footage and roof pitch requirements detailed herein. The Home shall be a conventionally built Home and which must be placed on the Homesite and constructed by the Developer, or its designee, of a design approved by the Developer as being harmonious with the development as to color, construction materials, design, size and other qualities. Each Home must have eave overhangs and gable overhangs, and all roofing materials shall be approved by the Developer, including the roof over garages, screen porches, utility rooms, etc., and all areas must have ceilings.

Declaration · 2.4 · p.1

Last verified 2026-07-17

Landscaping & yard4

Clotheslines / outdoor drying

Not allowed

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

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

Declaration · 2.25 · p.4

Last verified 2026-07-17

Landscaping & lawn maintenance

Restricted

Owners of homesites subject to Water Feature Landscaping Easements or Special Easements for Landscaping must perpetually maintain the easement area, not remove or destroy original landscape or fencing without Developer's written approval, and promptly replace dead foliage; owners adjoining perimeter security walls, gates, or fences are responsible for their maintenance and repairs, including paint specifications from the Developer or architectural review committee.

The Owners of Homesites subject to a Water Feature Landscaping Easement and Owners of Homesites subject to a Special Easement for Landscaping shall perpetually maintain the easement area and will not remove or destroy any landscape or fencing thereon originally installed by the Developer without the Developer's advance written approval, and will promptly replace all dead foliage located therein. Additionally, for those Owners of Homesites adjoining perimeter security walls, gates, or fences originally constructed by the Developer, Owners shall be responsible for maintenance and repairs of the surface and structural integrity of the walls, gates, and fences adjoining the Owners Homesite whether on the Owners Homesite or on an adjacent Homesite, reserved area or dedicated area. The Homesite Owner must contact the Developer or the architectural review committee for paint specifications.

Declaration · 2.7 · p.2

Last verified 2026-07-17

Lawn ornaments & decor

Restricted

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

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

Declaration · 2.16 · p.3

Last verified 2026-07-17

Mailboxes

Not allowed

Individual mailboxes may not be located upon a Homesite, as mailboxes are provided by the U.S. Postal Service and housed by the Developer.

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 Developer at a one time charge of $190.00 per box, payable at the time of the initial sale of the Homesite from Developer to Owner.

Declaration · 4.4 · p.7

Last verified 2026-07-17

Use & conduct4

Insurance & rebuilding after damage

Restricted

If a residence is damaged or destroyed by fire or other casualty, the Owner must, with due diligence, rebuild, repair, or reconstruct it to its prior appearance and condition within two months of damage and complete it within eight 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 eight (8) months after the damage occurs, unless prevented by governmental authority. Such reconstruction is subject to the provisions of these restrictions.

Declaration · 2.28 · p.4

Last verified 2026-07-17

Noise, nuisance & conduct

Restricted

Owners must use their property in a manner that allows neighbors to enjoy their property, with radios, record players, television, voices, and other sounds kept at a moderate level from 10:00 PM to one hour before daylight.

Each Owner 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 PM to one (1) hour before daylight.

Declaration · 2.21 · p.3

Last verified 2026-07-17

Solicitation & yard sales

Restricted

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

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

Declaration · 2.22 · p.3

Last verified 2026-07-17

Trash & recycling

Restricted

Rubbish, trash, garbage, or other waste material must be kept in sanitary containers located in appropriate areas concealed from public view before being placed curbside for collection.

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.

Declaration · 4.3(b) · p.7

Last verified 2026-07-17