est. 2026 · Florida

Villages of Charter Oak Unit 29

, 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

The Subdivision is an adult community for persons 55 years or older, requiring at least one occupant per Home to be 55 or older, and prohibiting permanent residency for anyone under 19, with temporary visits for those under 19 limited to 30 days per calendar year, subject to Developer-granted hardship exceptions.

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 · 2.24 · p.3

Last verified 2026-07-17

Rentals / leasing

Not addressed

The provided document does not contain any information regarding restrictions or allowances for rentals.

Short-term rentals

Not addressed

The provided document does not contain any information regarding restrictions or allowances for short-term rentals.

Pets

Restricted

Birds, fish, dogs, and cats are permitted, with a maximum of two (2) pets per Homesite; Owners are responsible for pet damage, immediate removal and disposal of excrement, and keeping pets on a leash; no other animals, livestock, or poultry are allowed.

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 · 2.23 · p.3

Last verified 2026-07-17

RVs & campers

Not addressed

The document does not contain any restrictions or allowances regarding recreational vehicles (RVs).

Boats

Not addressed

The document does not contain any restrictions or allowances regarding boats.

Parking

Restricted

No trucks exceeding 3/4 ton, boats, or recreational vehicles may be parked, stored, or remain on any Homesite or street, unless they are service vehicles temporarily performing a service or fully enclosed in garages; vehicles incapable of operation or junk vehicles/equipment are prohibited.

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 · 2.9 · p.2

Last verified 2026-07-17

Fences

Restricted

Owners of Homesites adjoining perimeter security walls, gates, or fences originally constructed by the Developer are responsible for their maintenance and repairs, sharing costs with adjacent Owners for shared structures, and must contact the Developer or architectural review committee for paint specifications.

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.

Declaration · 2.12 · p.2

Last verified 2026-07-17

Architectural approval

Requires approval

Construction, erection, placement, or alteration of any building or structure, and any reconstruction, additions, alterations, or modifications to the Home, require prior written approval from the Developer or an architectural review committee, ensuring consistency with development plans and surface water management system compliance.

No building or structure shall be constructed, erected, placed or altered on any Homesite until the construction plans and specifications and a plan showing the location of the building or structure have been approved by the Developer. Each property owner within the Subdivision at the time of construction of a building, residence, or structure shall comply with the construction plans for the surface water management system approved and on file with the Southwest Florida Water Management District.

Declaration · 2.2 · p.1

Last verified 2026-07-17

Home business

Not allowed

No commercial, professional, or similar activity requiring inventory, equipment, or customer/client visits may 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 · 2.10 · p.2

Last verified 2026-07-17

Signs

Restricted

No sign of any kind may be displayed to public view 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 & architectural6

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 any approved device requiring prior written Developer approval for its location.

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 set forth within the areas designated as such 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 · 2.15 · p.3

Last verified 2026-07-17

Driveways & walkways

Restricted

Each Home and Homesite must contain a concrete driveway, and no driveways, walkways, cartpaths or access shall be located on or permitted to any road right-of-way, walkway or cartpath, except as originally constructed by the Developer.

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; 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 · 2.8 · p.3

Last verified 2026-07-17

Exterior colors, materials & trim

Restricted

Homesite Owners must contact the Developer or architectural review committee for paint specifications for perimeter security walls, gates, and fences.

The Homesite Owner must contact the Developer or the architectural review committee for paint specifications.

Declaration · 2.12 · p.3

Last verified 2026-07-17

Property & structure upkeep

Restricted

Owners must keep their Homesites neat, clean, and the grass cut, irrigated, and edged at all times, including unpaved areas between roadways/walkways and the Homesite, and areas adjacent to land use/landscape buffers or 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.

Declaration · 2.12 · p.2

Last verified 2026-07-17

Landscaping & yard5

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

Holiday & seasonal decorations

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

Landscaping & lawn maintenance

Restricted

Owners must regulate their Homesite's irrigation water service according to the SWCA-determined Irrigation Water Service Schedule, with supplemental irrigation for new landscaping limited to 30 minutes per day during a 30-day grow-in period.

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.

Declaration · 2.7 · p.6

Last verified 2026-07-17

Lawn ornaments & decor

Restricted

Lawn ornaments are prohibited, except for seasonal displays not exceeding thirty (30) days in 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 for a one-time charge.

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, the Owner must 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

Garbage and trash service is provided by the Developer or designee, with charges paid separately by each Owner; no rubbish, trash, garbage, or other waste material may be kept on any Homesite or dedicated/reserved areas except in sanitary containers concealed from public view; once curbside for collection, garbage must be in Developer-prescribed plastic bags and placed curbside no earlier than the day before scheduled pick-up; Owners may be required to participate in a curbside recycling program if instituted.

To maintain the Subdivision in a clean and sanitary condition and to minimize heavy commercial traffic within the Subdivision, garbage and trash service shall be provided by Developer or Developer's designee, and the charges therefore shall be 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 service is provided, and the fee for such service is payable, on a year-round basis regardless of use or occupancy. Developer reserves the right to require all Owners to participate in a curbside recycling program if and when one is instituted.

Declaration · 4.3(a) · p.7

Last verified 2026-07-17