est. 2026 · Florida

Villages of Charter Oak Unit 35

, 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

Birds, fish, dogs, and cats are permitted, with a maximum of two (2) pets per Homesite; owners are responsible for any damage, immediate removal and disposal of excrement, and keeping pets on a leash, while 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 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

Not addressed

Fences

Not addressed

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

Architectural approval

Restricted

Each Homesite must have only one conventionally built Home with a garage, at least 1240 square feet (excluding non-heated/non-air-conditioned space), a minimum 6" in 12" roof pitch, eave and gable overhangs, and Developer-approved roofing materials and design.

There shall be only one Home on each Homesite. All Homes must have garages and be of at least 1240 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 6" 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 addressed

The document does not contain any restrictions or allowances regarding business use of the property.

Signs

Restricted

No signs of any kind may be displayed publicly without prior written Developer consent, except for customary name/address signs and one 'for sale/rent' sign (max 12"x12") 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 & architectural5

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 devices requiring prior written Developer approval for their 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 areas 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 · 2.15 · p.3

Last verified 2026-07-17

Driveways & walkways

Not allowed

No driveways, walkways, cartpaths, or access points are permitted on any road right-of-way, walkway, or cartpath, except as originally constructed by the Developer.

Except as originally constructed by the Developer, no driveways, walkways, cartpaths or access shall be located on or permitted to any road right-of-way, walkway or cartpath.

Declaration · 2.8 · p.3

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 originally constructed by the Developer.

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

Property & structure upkeep

Restricted

Owners must keep Homesites neat and clean, with grass cut, irrigated, and edged at all times, and are responsible for maintaining unpaved areas between roadways/walkways and their Homesite, as well as areas adjacent to land use/landscape buffers or wildlife preserves, and the surface and structural integrity of adjoining perimeter security walls, gates, or fences.

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. 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

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

Irrigation water is for irrigation purposes only and cannot be used for human or pet consumption, bathing, washing, car washing, or any other non-irrigation use; potable water may not be used for irrigation except for supplemental irrigation of annuals and heat-stressed areas with a hose and automatic shutoff nozzle, prohibiting sprinklers on hose connections.

The irrigation water provided by SWCA is suitable for irrigation purposes only. The irrigation water can not be used for human or pet consumption, bathing, washing, car washing or any other use except for irrigation. Owners covenant to ensure that no one on the Homesite uses irrigation water for any non-irrigation purpose. Potable water may not be used for irrigation, except that supplemental irrigation with potable water is limited to annuals and the isolated treatment of heat stressed areas. All supplemental irrigation utilizing potable water must be done with a hose with an automatic shutoff nozzle. Use of sprinklers on a hose connection is not permitted.

Declaration · 2.7 · p.6

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 are not permitted on Homesites, 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

Vehicles & parking1

Commercial & non-passenger vehicles

Restricted

All outside structures for storage or utility must be permanently constructed additions attached to the Home, and trucks over 3/4 ton, boats, recreational vehicles, inoperable vehicles, or junk vehicles/equipment are prohibited from being parked, stored, or remaining on any Homesite or street, unless fully enclosed in garages or temporarily for service.

All outside structures for storage or utility purposes must be permanently constructed additions in accordance with Section 2.4 and of like construction and permanently attached to the Home. 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

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 (2) months of damage and complete it within eight (8) months, unless prevented by governmental authority.

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.

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 concealed from public view before curbside collection, and once curbside, garbage must be in Developer-prescribed plastic bags and placed no earlier than the day before scheduled pick-up; Owners may be required to participate in a curbside recycling program if instituted.

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 the Developer and placed curbside no earlier than the day before scheduled pick-up. Developer reserves the right to require all Owners to participate in a curbside recycling program if and when one is instituted.

Declaration · 4.3(b) · p.7

Last verified 2026-07-17