est. 2026 · Florida

Villages of Charter Oak Unit 36

, 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 of age or older, requiring at least one occupant per Home to be 55 or older, prohibiting permanent residency for anyone under 19 (with temporary visits not exceeding 30 days per calendar year), and allowing hardship exceptions at the Developer's discretion as long as 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 · 2.1 · p.3

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 caused by their pets, must immediately remove and dispose of excrement, and must keep pets on a leash, while all 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 he responsible to keep such pet on a leash.

Declaration · 2.23 · p.3

Last verified 2026-07-17

RVs & campers

Not addressed

Recreational vehicles are prohibited from being parked, stored, or remaining on any homesite or street, unless they are service vehicles temporarily performing a service or are fully enclosed in a garage.

Boats

Not addressed

Boats are prohibited from being parked, stored, or remaining on any homesite or street, unless they are service vehicles temporarily performing a service or are fully enclosed in a garage.

Parking

Restricted

Trucks exceeding 3/4 ton, boats, or recreational vehicles are prohibited from being parked, stored, or remaining on any Homesite or street, unless they are service vehicles temporarily performing a service or vehicles fully enclosed in garages; vehicles incapable of operation and junk vehicles/equipment are also 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.

Declaration · 2.9 · p.2

Last verified 2026-07-17

Fences

Requires approval

No fence or structure of any kind shall 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, constructed by the Developer or its designee, with a minimum of 1240 square feet (excluding non-heated/non-air-conditioned space), a minimum 6" in 12" roof pitch, garages, eave and gable overhangs, and Developer-approved roofing materials and overall 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.

Declaration · 2.2 · p.1

Last verified 2026-07-17

Home business

Not allowed

Commercial, professional, or similar activities requiring an inventory, equipment, or customer/client visits are prohibited from being 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 signs 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 (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 & 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, and the location of any approved device must be pre-approved by the Developer in writing.

Aerials, satellite reception dishes, and antennas of any kind are probibited 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

Restricted

No owner may construct or maintain any building, residence, or structure, or perform any activity in wetlands, wetland migration areas, buffer areas, upland conservation areas, and drainage easements without prior approval from the Southwest Florida Water Management District and other relevant governmental agencies.

No owner of property within the Subdivision may construct or maintain any building, residence, or structure, or undertake or perform any activity in the wetlands, wetland migration areas, buffer areas, upland conservation areas, and drainage easements described in the approved permit and recorded plat of the Subdivision, unless prior approval is received from the Southwest Florida Water Management District Brooksville Regulation Department, and if applicable, any other appropriate governmeotal agency having jurisdiction.

Declaration · 2.15 · p.4

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 avoid creating a nuisance, 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 · 2.8 · 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 maintaining unpaved areas between their Homesite and adjacent roadways/walkways, as well as areas between their lot line and land use/landscape buffers or wildlife preserve 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.

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

Requires approval

Permission must be secured from the Developer prior to the planting or removal of any trees or other shrubs which may affect the rights of adjacent property owners, and no tree with a trunk four (4) inches or more in diameter shall be removed or effectively removed through excessive injury without first obtaining permission from the Developer.

Permission must be secured from the Developer prior to the planting or removal of any trees or other shrubs which may affect the rights of adjacent property owners. No tree with a trunk four (4) inches or more in diameter shall be removed or effectively removed through excessive injury without first obtaining permission from the Developer.

Declaration · 2.7 · p.3

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; 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, 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, 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.

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 its designee, with charges paid separately by each Owner, and no rubbish, trash, garbage, or other waste material shall be kept on any Homesite or dedicated/reserved areas except in sanitary containers concealed from public view before being placed curbside in Developer-prescribed plastic bags no earlier than the day before scheduled pick-up.

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.

Declaration · 4.3(a) · p.7

Last verified 2026-07-17