Stone Creek by Del Webb

Restricted

Lots are intended for housing persons 55 years of age or older, with at least one occupant per home being 55+. No person under 19 may occupy a home for more than 90 days in any consecutive 12-month period. Owners must notify the Board of any occupancy changes and provide age information.

“The Lots within STONE CREEK are intended for the housing of persons fifty-five (55) years of age or older. The provisions of this Section17 are intended to be consistent with, and are set forth in order to comply with the Fair Housing Amendments Act, 42 U.S.C. §3601 et seq. (1988), as amended, the exemption set out in 42 U.S.C. §3607(b)(2)(C), and the regulations promulgated thereunder (collectively, as may be amended, the "Act") allowing discrimination based on familial status. Each occupied Home shall at all times be Occupied by at least one person fifty-five (55) years of age or older; however, in the event of the death of a person who was the sole Occupant fifty-five (55) years of age or older of a Home, any Qualified Occupant may continue to Occupy the same Home as long as the provisions of the Act are not violated by such occupancy. No person under the age of 19 shall Occupy a Home for more than ninety (90) days in any consecutive twelve (12) month period. Nothing in this Section shall restrict the ownership of or transfer of title to any Lot; provided, no Owner under the age of fifty-five (55) may Occupy a Home unless the requirements of this Section are met nor shall any Owner permit Occupancy of the Home in violation of this Section. In the event of any change in Occupancy of any Home, as a result of a transfer of title, a lease or sublease, a birth or death, change in marital status, vacancy, change in location of permanent Home, or otherwise, the Owner of the Home shall immediately notify the Board in writing and provide to the Board the names and ages of all current Occupants of the Home and such other information as the Board may reasonably require to verify the age of each Occupant required to comply with the Act.”

Declaration · Section 17. Restrictions Affecting on Occupancy and Alienation. · p.6

Last verified 2026-07-18

Restricted

Homes may be leased, but only in their entirety, for a minimum term of one year, and no more than two times per calendar year, with prior Association approval and a background check.

“For purposes of this Declaration, "leasing" is defined as regular, exclusive Occupancy of a Home by any person other than the Owner, for which the Owner receives any consideration or benefit, including without limitation, a fee, service, gratuity, or compensation. A Lot may be leased only in its entirety (e.g., separate rooms within the same Home may not be separately leased). No fraction or portion may be leased. No structure on a Lot other than the primary Home shall be leased or otherwise occupied for residential purposes, except that structures used for ancillary purposes, such as an "in-law suite" or detached "guest house," may be occupied, but not independently leased. There shall be no subleasing of a Home or assignment of leases except with the Board's prior written approval. All leases shall require that tenants and all Occupants of the leased Lot are bound by and obligated to comply with the Governing Documents. The Owner must make available to the tenant copies of the Governing Documents. The Board may adopt reasonable Use Restrictions and rules regulating leasing and subleasing and the activities of tenants and subtenants. All leases or Occupancy agreements (collectively, "Lease Agreements") are subject to the following provisions: (a) All Lease Agreements shall be in writing; (b) All Lease Agreements, together with an application signed by both the Owner and tenant, in a form approved by Association, shall be submitted to Association at least thirty (30) days prior to commencement of the lease term; (c) The Owner shall pay the lease application fee prescribed by Association. The initial lease application fee shall be one hundred dollars ($100.00) and may be increased from time to time to the maximum rate allowable by law (the "Lease Application Fee"); (d) The Association or its designee shall conduct a background check on each prospective tenant at the Association's cost and expense, such expense being paid from the Lease Application Fee; (e) Upon receipt of an application signed by the Owner and tenant and the Lease Application Fee, the Association shall approve or disapprove the tenant. The Association and its agents or employees, shall not be liable to any person whomsoever for the approving or disapproving of any person pursuant to this Section, or for the method or manner of conducting the investigation. The Association and its agents or employees shall not be required to specify any reason for disapproval; (f) No Lease Agreement may be for a term of less than one (1) year; (g) No Home may be leased more than two (2) times in any calendar year; (h) The tenant, as part of the Lease Agreement, shall agree to abide by and adhere to the terms and conditions of this Declaration together with all Rules and Regulations and all policies adopted by Association; (i) The Owner shall agree to remove, at the Owner's sole expense, by legal means including eviction, his or her tenant should the tenant refuse or fail to abide by and adhere to this Declaration, the Rules and Regulations and any other policies adopted by Association; Notwithstanding the foregoing, should an Owner fail to perform his or her obligations under this Section, the Association shall have the right, but not the obligation, to evict such tenant and the costs of the same shall be the responsibility of Owner and shall become part of the assessment against that Owner's Unit secured by a lien upon the property against which such assessment is made in accordance with this Declaration, including, including attorneys' fees and paraprofessional fees, at all levels of proceedings, including appeals, collection and bankruptcy; and (j) All Lease Agreements shall require the Unit to be used solely as a private single family residence.”

Declaration · p.4

Last verified 2026-07-18

Not allowed

Lease agreements must be for a term of no less than one year, effectively prohibiting short-term rentals.

“No Lease Agreement may be for a term of less than one (1) year;”

Declaration · p.5

Last verified 2026-07-18

Restricted

Owners may keep no more than two domestic pets, provided they are not for commercial purposes, do not constitute a nuisance, are walked on a leash, and are not permitted in Recreational Amenities or Golf Course Areas.

“No animals of any kind shall be raised, bred or kept within STONE CREEK for commercial purposes. Otherwise, Owners may keep no more than two (2) dogs, cats or other domestic pets in accordance with the Rules and Regulations established by the Board from time to time and as permitted by Marion County ordinances; provided that, they are not raised, bred or maintained for any commercial purpose. Notwithstanding the foregoing, pets may be kept or harbored in a Home only so long as such pets or animals do not constitute a nuisance. A determination by the Board that an animal or pet kept or harbored in a Home is a nuisance shall be conclusive and binding on all parties. All pets shall be walked on a leash. No pet shall be permitted outside a Home unless such pet is kept on a leash or within an enclosed portion of the yard of a Lot, as approved by the ARC. No pet or animal shall be "tied out" on the exterior of Home or in the Common Areas, or left unattended in a yard or on a balcony, porch, or patio unless such yard, balcony, porch or patio is enclosed. No dog runs or enclosures shall be permitted on any Lot. When notice of removal of any pet is given by the Board, the pet shall be removed within forty-eight (48) hours of the giving of the notice. All pets shall defecate only in the "pet walking" areas within STONE CREEK designated for such purpose, if any, or on that Owner's Lot. The person walking the pet or the Owner shall clean up all matter created by the pet. Each Owner shall be responsible for the activities of its pet. All pets are prohibited from entering upon all Recreational Amenities and Golf Course Areas.”

Declaration · p.5

Last verified 2026-07-18

Restricted

Recreational vehicles, campers, and trailers are prohibited from being kept within STONE CREEK except in the garage of a Home. However, recreational vehicles that can be appropriately parked within standard size parking stalls may be parked in STONE CREEK.

“Recreational vehicles, personal street vans, personal trucks of three-quarter (3/4) ton capacity or smaller, and personal vehicles that can be appropriately parked within standard size parking stalls may be parked in STONE CREEK. No commercial vehicle, limousines, recreational vehicle, boat, trailer including, but not limited to, boat trailers, house trailers, and trailers of every other type, kind or description, or camper, may be kept within STONE CREEK except in the garage of a Home.”

Declaration · p.2

Last verified 2026-07-18

Not allowed

Boats and personal watercraft are prohibited from being kept within STONE CREEK except in the garage of a Home, and swimming, boating, and personal watercraft are prohibited in lakes or waterbodies.

“No commercial vehicle, limousines, recreational vehicle, boat, trailer including, but not limited to, boat trailers, house trailers, and trailers of every other type, kind or description, or camper, may be kept within STONE CREEK except in the garage of a Home. Swimming is prohibited within any of the lakes or waterbodies within or adjacent to STONE CREEK. Boating and personal watercraft (e.g., water skis) are prohibited. No private docks may be erected within any waterbody.”

Declaration · p.2

Last verified 2026-07-18

Restricted

Owners' automobiles must be parked in the garage, driveway, or parking lot and not block sidewalks. Commercial vehicles, limousines, recreational vehicles, boats, and trailers are prohibited from being kept within STONE CREEK except in a garage. Vehicles displaying commercial advertising or 'for sale' signs are not permitted in public view.

“Owners' automobiles shall be parked in the garage, driveway, or parking lot, as appropriate, and shall not block the sidewalk. No vehicles of any nature shall be parked on any portion of STONE CREEK except on the surfaced parking area thereof. No vehicles used in business for the purpose of transporting goods, equipment and the like, shall be parked in STONE CREEK except during the period of a delivery. Recreational vehicles, personal street vans, personal trucks of three-quarter (3/4) ton capacity or smaller, and personal vehicles that can be appropriately parked within standard size parking stalls may be parked in STONE CREEK. No commercial vehicle, limousines, recreational vehicle, boat, trailer including, but not limited to, boat trailers, house trailers, and trailers of every other type, kind or description, or camper, may be kept within STONE CREEK except in the garage of a Home. No vehicles displaying commercial advertising shall be parked within the public view. No vehicles bearing a "for sale" sign shall be parked within the public view anywhere on STONE CREEK. No vehicle shall be used as a domicile or residence either temporarily or permanently.”

Declaration · Cars and Trucks. · p.2

Last verified 2026-07-18

Requires approval

Fences, walls, or hedges require prior written consent from the ARC, cannot exceed four feet in height, must be black wrought iron, and are not permitted in front or side yards or along property lines adjoining Golf Course Areas.

“Except as to fences, walls or hedges originally constructed or planted by Declarant, if any, no fences, walls or hedges of any nature may be erected, constructed or maintained upon any Lot without the prior written consent of the ARC; provided, further, that no fence, wall or hedge shall be erected or permitted on a Lot in any location thereon where Declarant has erected a privacy fence or monument and no fence shall be constructed on any property line which adjoins any portion of the Golf Course Areas. As to any fence, wall or hedge erected or maintained pursuant to this Section, such fence, wall or hedge may be constructed or maintained to a height not to exceed four feet (4'). Such fences shall only be made of black wrought iron material and must be kept in good condition and repair. No fences shall be erected, constructed or placed in the front or side yards of any Lot. Any determination of what portion of a Lot constitutes the front or side yard shall be made by the Declarant, in the Declarant's sole discretion. No hedge shall be allowed to exceed the height of four feet (4') on any Lot. Hedges must be neatly trimmed. Hedges shall not be placed along the front property line or in the front yard except along a side property line (which shall be defined as the line adjacent to a Lot and not adjacent to a road or road right-of-way) of any Lot, nor along any property line abutting the Golf Course Areas. Any determination of what portion of a Lot constitutes a front yard, side yard, or back yard shall be made by the Declarant in the Declarant's sole discretion. Construction or planting of any fence, wall or hedge must be approved in accordance with Article VII of this Declaration.”

Declaration · Fences, Walls and Hedges. · p.3

Last verified 2026-07-18

Requires approval

Material alterations, additions, modifications to a Home, or material changes in appearance require prior written approval from the ARC. All improvements to be constructed within STONE CREEK are subject to approval by the Master ARB.

“No material alteration, addition or modification to a Home, or material change in the appearance thereof, shall be made without the prior written approval thereof being first had and obtained from the ARC as required by this Declaration. All improvements to be constructed within STONE CREEK will be subject to, and must be approved in accordance with, the procedures set forth in the Master Declaration.”

Declaration · p.2

Last verified 2026-07-18

Restricted

No commercial or business activity is permitted within STONE CREEK, including within any Home, except for a Home business office for personal use where business invitees, customers, and clients are not permitted to meet with Owners unless approved by the Board.

“Except for normal construction activity, sale, and re-sale of a Home, sale or re-sale of other property owned by Declarant, administrative offices of Declarant and operation of the Recreational Amenities, no commercial or business activity shall be conducted within STONE CREEK, including without limitation, within any Home. Notwithstanding the foregoing, and subject to applicable statutes and ordinances, an Owner may maintain a Home business office within a Home for such Owner's personal use; provided, however, business invitees customers, and clients shall not be permitted to meet with Owners in Homes unless the Board provides otherwise in the Rules and Regulations. No Owner may actively engage in any solicitations for commercial purposes within STONE CREEK. No solicitors of a commercial nature shall be allowed within STONE CREEK, without the prior written consent of Association. No day care center or facility may be operated out of a Home. No garage sales are permitted, except as permitted by Association.”

Declaration · Commercial Activity. · p.3

Last verified 2026-07-18

Restricted

No signs, flags, banners, advertisements, notices, or lettering visible from the outside are permitted without prior ARC approval, except for one portable US or Florida flag, or official military flags on specific holidays, and one discreet professionally prepared sign in a window not exceeding 24x18 inches.

“No sign (including brokerage or for sale/lease signs), flag, banner, advertisement, notice or other lettering shall be exhibited, displayed, inscribed, painted or affixed in, or upon any part of STONE CREEK that is visible from the outside without the prior approval being first obtained from the ARC as required by this Declaration; provided, however, any Owner may display one portable, removable United States flag or official flag of the State of Florida in a respectful way; provided, further, on Armed Forces Day, Memorial Day, Flag Day, Independence Day and Veterans' Day Owners may display an official flag of the United States Army, Navy, Air Force Marine Corps and Coast Guard. Flags may not exceed 4 ½ feet by 6 feet. Notwithstanding the foregoing restriction on signage, any Owner of a Home may display in any window of his or her Home no more than one (1) discreet professionally prepared sign not to exceed twenty four (24) inches in width and eighteen (18) inches in height.”

Declaration · Signs and Flags. · p.7

Last verified 2026-07-18

Not addressed

Last verified 2026-07-18

Not allowed

No Owner or person can take any action or enter onto preserves, wetlands, and/or mitigation areas so as to adversely affect them, as these areas are to be maintained in their natural state.

“No Owner or other person shall take any action or enter onto such areas so as to adversely affect the same. Such areas are to be maintained by Association in their natural state.”

Declaration · Section 21. Wetlands and Mitigation Areas. · p.8

Last verified 2026-07-18

Restricted

Window treatments must consist of drapery, blinds, decorative panels, or other window coverings; newspaper, aluminum foil, sheets, or other temporary window treatments are prohibited, except for periods not exceeding one week after move-in or during cleaning/repair of permanent treatments; security bars, awnings, canopies, or shutters require prior written ARC approval; reflective tinting or mirror finishes on windows are not permitted unless approved by the ARC; window treatments facing the street must be a neutral color (white, off-white, or wood tones).

“Window treatments shall consist of drapery, blinds, decorative panels, or other window covering, and no newspaper, aluminum foil, sheets or other temporary window treatments are permitted, except for periods not exceeding one (1) week after an Owner or tenant first moves into a Home or when permanent window treatments are being cleaned or repaired. No security bars shall be placed on the windows of any Home without prior written approval of the ARC. No awnings, canopies or shutters shall be affixed to the exterior of a Home without the prior written approval of the ARC. No reflective tinting or mirror finishes on windows shall be permitted unless approved by the ARC. Window treatments facing the street shall be of a neutral color, such as white, off-white or wood tones.”

Declaration · Section 22. Window Treatments. · p.8

Last verified 2026-07-18

Restricted

Garages cannot be converted into general living areas without specific ARC approval; garage doors must remain closed except for vehicular or pedestrian access; garages cannot be enclosed, modified, or altered for any purpose other than vehicle storage.

“No garage shall be converted into a general living area unless specifically approved by the ARC. Garage doors shall remain closed at all times except when vehicular or pedestrian access is required. Garages may not be enclosed, modified or altered for use as any purpose other than the storage of vehicle(s).”

Declaration · Section 9. Garages. · p.4

Last verified 2026-07-18

Restricted

For Class B Homes, the Association has exclusive rights for roof replacement, lawn/tree/shrub/landscaped area maintenance, exterior building surface painting/pressure cleaning/repair, and irrigation system maintenance, while owners are responsible for rear screen porches, patios, lanais, screened enclosures, paved surfaces/driveways, glass surfaces, exterior doors, and casualty damage not covered by Association insurance.

“The Association shall provide maintenance upon each Lot and each Lot is subject to assessment for such maintenance, including the following: (i) the exclusive right to replace roofs (on such frequency as determined by the Board); (ii) the exclusive right of maintenance of lawns, trees, shrubs and landscaped areas; (iii) the exclusive right to painting, pressure cleaning and repair of exterior building surfaces (on such frequency as determined by the Board); (iv) the right to repair, replace and maintain utility easements located under each Lot; (v) the right to maintain irrigation systems within the Lots; and (vi) and the right to pressure wash and clean paved surfaces located within an Owner's Lot, including without limitation, the driveways located within an Owner's Lot (on such frequency as determined by the Board). The Class B Owner shall provide exterior maintenance as follows, the cost for which each Class B Owner shall be individually responsible: (i) maintenance, repair and replacement of rear screen porches, patios, lanais, screened enclosures; (iii) repair or replacement of the paved surfaces located within an Owner's Lot, including without limitation, the driveway; (iii) repair or replacement of all glass surfaces on his/her Lot; (iv) replacement of exterior doors; (v) maintenance, repair, or replacement resulting from any fire, wind, flood, tornado, hurricane or other casualty damage with the Lot of an Owner to the extent such damage is not covered by insurance purchased by the Association; (vi) repair or replace any property whether upon such Class B Owner's Lot or any other Lot, or the Common Area, which repair or replacement is required because of any negligence or the willful act of such Owner or any member of such Owner's family or household, or any invitee of such Owner; (vii) repair of roofs located within a Class B Owner's Lot; and (viii) the cost of labor and materials for replacement of roofs on individual Class B Lots in excess of the reserves established for such purpose.”

Declaration · Section 2. Sharing of Repair, Replacement and Maintenance. · p.15

Last verified 2026-07-18

Not allowed

Rugs, mops, laundry, or similar articles cannot be shaken, hung, or exposed so as to be visible outside the Home.

“No rugs, mops, or laundry of any kind, or any similar type article, shall be shaken, hung or exposed so as to be visible outside the Home.”

Declaration · Section 10. Laundry. · p.4

Last verified 2026-07-18

Restricted

Owners may display one portable, removable United States flag or official Florida State flag respectfully, not exceeding 4.5 by 6 feet; on specific holidays (Armed Forces Day, Memorial Day, Flag Day, Independence Day, Veterans' Day), official flags of the United States Army, Navy, Air Force, Marine Corps, and Coast Guard may also be displayed.

“No sign (including brokerage or for sale/lease signs), flag, banner, advertisement, notice or other lettering shall be exhibited, displayed, inscribed, painted or affixed in, or upon any part of STONE CREEK that is visible from the outside without the prior approval being first obtained from the ARC as required by this Declaration; provided, however, any Owner may display one portable, removable United States flag or official flag of the State of Florida in a respectful way; provided, further, on Armed Forces Day, Memorial Day, Flag Day, Independence Day and Veterans' Day Owners may display an official flag of the United States Army, Navy, Air Force Marine Corps and Coast Guard. Flags may not exceed 4 ½ feet by 6 feet.”

Declaration · Section 18. Signs and Flags. · p.7

Last verified 2026-07-18

Restricted

Decorative objects like birdbaths, light fixtures, sculptures, statutes, weather vanes, or flagpoles require prior written ARC approval; holiday lighting and decorations are permitted on the exterior of the Home and Lot from Thanksgiving until January 15th of the following year, subject to ARC standards and nuisance restrictions.

“No decorative objects including, but not limited to, birdbaths, light fixtures, sculptures, statutes, weather vanes, or flagpoles shall be installed or placed within or upon any portion of STONE CREEK without the prior written approval of the ARC. Notwithstanding the foregoing, holiday lighting and decorations shall be permitted to be placed upon the exterior portions of the Home and upon the Lot in the manner permitted hereunder commencing on Thanksgiving and shall be removed not later than January 15th of the following year. The ARC may establish standards for holiday lights. The ARC may require the removal of any lighting that creates a nuisance (e.g., unacceptable spillover to adjacent Home).”

Declaration · Section 6. Decorations. · p.3

Last verified 2026-07-18

Not allowed

Commercial vehicles, limousines, recreational vehicles, boats, trailers of any type, and campers are prohibited from being kept in STONE CREEK unless stored in a garage; vehicles displaying commercial advertising or 'for sale' signs are not allowed in public view; vehicles cannot be used as a domicile or residence.

“No commercial vehicle, limousines, recreational vehicle, boat, trailer including, but not limited to, boat trailers, house trailers, and trailers of every other type, kind or description, or camper, may be kept within STONE CREEK except in the garage of a Home. The term commercial vehicle shall not be deemed to include law enforcement vehicles or recreational or utility vehicles (i.e., Broncos, Blazers, Explorers, Navigators, etc.) or clean "non-working" vehicles such as pick-up trucks, vans, or cars if they are used by the Owner on a daily basis for normal transportation. ... No vehicles displaying commercial advertising shall be parked within the public view. No vehicles bearing a "for sale" sign shall be parked within the public view anywhere on STONE CREEK. ... No vehicle shall be used as a domicile or residence either temporarily or permanently.”

Declaration · Section 2. (c) Prohibited Vehicles. · p.2

Last verified 2026-07-18

Not allowed

No immoral, improper, offensive, unlawful, or obnoxious use is permitted; all laws, zoning ordinances, and governmental regulations must be observed; no illegal activity or business is allowed inside the Home; no displays or signs indicating non-residential use are permitted; no business-related equipment or items can be stored outside the Home or in common areas; hazardous materials are prohibited; no nuisance or unreasonable annoyance to others is permitted; no firearms can be discharged; nothing can be done or kept in Common Areas or Homes that increases the Association's insurance rate.

“No immoral, improper, offensive, unlawful or obnoxious use shall be made in any portion of STONE CREEK. All laws, zoning ordinances and regulations of all governmental entities having jurisdiction thereof shall be observed. ... No Owner, his or her family, tenant, guest or invitee shall conduct any illegal activity or business inside the Home, including, but not limited to, gambling, the sale or manufacture of drugs, the sale of guns, or the sale or creation of pornographic material. Further, no Owner, his or her family, tenant, guest or invitee shall erect any displays or signs indicating that the Home is being used as something other than a residence. Further, no Owner, his or her family, tenant, guest or invitee shall store, park or otherwise keep equipment or other items related to business outside the Home or in any common area. The use, storage or disposal of any grouping or classification of materials that are designated as a hazardous material under Federal, State or local law is expressly prohibited on the Home or Common Area. ... No nuisance or any use or practice that is the source of unreasonable annoyance to others or which interferes with the peaceful possession and proper use of STONE CREEK is permitted. No firearms shall be discharged within STONE CREEK. Nothing shall be done or kept within the Common Areas, or any other portion of STONE CREEK, including a Home which will increase the rate of insurance to be paid by Association.”

Declaration · Section 11. Lawful Use. · p.4

Last verified 2026-07-18