The Daily Free Press - Bedbugs still a problem on campus
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MIDDLESEX NORTH
Billerica
10/14/09 03:00 PM 4 Edgemont Ave
Owner:Osvaldo F Simoes
Lender:BAC Home Loans Svcng LP Deposit:$10,000
Bk/Pg:21486/156 D:07/24/07
Source:Billerica Minute-Man (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Chelmsford
10/01/09 10:00 AM 5 Kennedy Dr U:7
Owner:Louis Nocca
Lender:Citimortgage Inc Deposit:$10,000
Bk/Pg:20284/249 D:07/05/06
Source:Chelmsford Independent (09/18/09)
Atty:Ablitt Law Offices 781-246-8995
10/09/09 01:00 PM 8 Dunshire Dr
Owner:Michael Deleo
Lender:Amtrust Bk Deposit:$10,000
Doc#:238466 D:06/01/06
Source:Chelmsford Independent (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/09/09 01:00 PM 96 Richardson Rd U:A17
Owner:Antoinette M Manfra
Lender:Citizens Bank NA Deposit:$5,000
Bk/Pg:18419/264 D:02/18/05
Source:Chelmsford Independent (09/18/09)
Atty:Korde & Associates 978-256-1500
10/14/09 02:00 PM 5 Harold St
Owner:Pamela A Dawson
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:18201/60 D:12/09/04
Source:Chelmsford Independent (09/18/09)
Atty:Korde & Associates 978-256-1500
10/14/09 01:00 PM 43 Prescott Dr U:43
Owner:Basil Tsiaousopoulos
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:17007/74 D:03/19/04
Source:Chelmsford Independent (09/18/09)
Atty:Salter & Mcgowan Inc 401-274-0300
Dracut
09/24/09 03:00 PM 650 Robbins Ave U:27
Owner:Jeffrey M Surette
Lender:MERS Deposit:$5,000
Bk/Pg:21079/146 D:03/26/07
Source:Sun (The) (09/17/09)
Atty:Orlans Moran PLLC 617-502-4100
10/12/09 11:00 AM 141 Thissell Ave U:7
Owner:Yvan Lafond
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:20307/44 D:07/17/06
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Dunstable
10/12/09 10:00 AM 40 Sky Top Ln
Owner:Amanda Kong
Lender:Deutsche Bank Natl T Co Deposit:$15,000
Bk/Pg:19909/185 D:03/13/06
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Lowell
09/28/09 11:00 AM 532 School St
Owner:Edita Mejia-ulloa
Lender:Suntrust Mortgage Inc Deposit:$5,000
Bk/Pg:21232/127 D:05/09/07
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/05/09 05:00 PM 77 Carmine St
Owner:Peter A Tataronis
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:16383/87 D:10/15/03
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 01:00 PM 40 Abbott St
Owner:Joacir D Santos
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:20871/33 D:01/08/07
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 04:00 PM 90 Coburn St
Owner:Edward Brown
Lender:PHH Mortgage Corp Deposit:$5,000
Bk/Pg:15447/243 D:06/12/03
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 12:00 PM 8 Huntoon Ave U:8
Owner:Theodore B Evans
Lender:US Bk Deposit:$5,000
Bk/Pg:20147/167 D:05/25/06
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 10:00 AM 102 Jewett St
Owner:Gina Picariello
Lender:US Bk Deposit:$5,000
Bk/Pg:19188/172 D:08/26/05
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 05:00 PM 714 Lawrence St
Owner:Robert B Clegg Jr
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:20380/78 D:07/31/06
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/12/09 02:00 PM 115 S Highland St
Owner:Allan Pratt
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:20757/112 D:11/29/06
Source:Sun (The) (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/14/09 01:00 PM 40 Eaton St
Owner:Danielle E Peggy-larsen
Lender:JP Morgan Chase Bk Deposit:$5,000
Doc#:236437 D:01/27/06
Source:Sun (The) (09/22/09)
Atty:Harmon Law Offices 617-558-0500
10/14/09 03:00 PM 7 Mariposa Ave
Owner:Tina Srouy
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:18117/254 D:11/18/04
Source:Sun (The) (09/22/09)
Atty:Harmon Law Offices 617-558-0500
10/19/09 11:00 AM 858 Bridge St
Owner:Alfredo Rivera
Lender:Aurora Loan Services LLC Deposit:$10,000
Doc#:239314 D:07/25/06
Source:Sun (The) (09/22/09)
Atty:Reneau Longoria 978-921-2670
10/19/09 02:00 PM 219 Church St
Owner:Kevin P Flanagan
Lender:CWMBS Inc Deposit:$5,000
Bk/Pg:18114/236 D:11/19/04
Source:Sun (The) (09/21/09)
Atty:Korde & Associates 978-256-1500
10/20/09 02:00 PM 40 Court St
Owner:Paul M Leakeas Jr
Lender:Enterprise B&T Co Deposit:$10,000
Bk/Pg:18334/164 D:01/14/05
Source:Sun (The) (09/22/09)
Atty:George Theodorou 978-459-6036
Tewksbury
10/01/09 11:00 AM 337 N Billerica Rd
Owner:A R Maclellan Rt
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:20483/200 D:09/06/06
Source:Sun (The) (09/17/09)
Atty:Michelle L Doucette 978-689-0800
Tyngsboro
09/28/09 10:00 AM 12 Pawtucket Blvd
Owner:Steven Choate
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:17897/54 D:09/23/04
Source:Sun (The) (09/21/09)
Atty:Ablitt Law Offices 781-246-8995
09/30/09 10:00 AM 10 Shakespeare Rd
Owner:Nicole S Woods
Lender:Louis M saab Deposit:$10,000
Bk/Pg:20293/186 D:07/12/06
Source:Sun (The) (09/21/09)
Atty:Walter E Chambers 978-454-3883
MIDDLESEX SOUTH
Arlington
10/13/09 01:00 PM 19 Foster St
Owner:Samuel Vonrandow
Lender:MERS Deposit:$5,000
Bk/Pg:43436/33 D:07/30/04
Source:Arlington Advocate (09/18/09)
Atty:Jon S Davis 781-834-9181
Ashby
10/09/09 01:00 PM 95 South Rd
Owner:Nicholas A Lockyer
Lender:US Bk Deposit:$5,000
Bk/Pg:42387/569 D:04/01/04
Source:Shirley Oracle (09/18/09)
Atty:Bendett & Mchugh 860-677-2868
10/15/09 03:00 PM 544 Richardson Rd
Owner:Lee O Sargent
Lender:MERS Deposit:$5,000
Bk/Pg:38141/215 D:02/28/03
Source:Shirley Oracle (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
Ashland
09/24/09 01:00 PM 7 Denise Dr
Owner:David A Moore
Lender:Metlife Home Loans Deposit:$5,000
Bk/Pg:40062/478 D:07/16/03
Source:Metro West (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
Ayer
10/01/09 10:00 AM 83 E Main St
Owner:Charmaine Cook
Lender:HSBC Mortgage Corp Deposit:$10,000
Bk/Pg:46888/129 D:01/27/06
Source:Shirley Oracle (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/16/09 02:00 PM 18 Cambridge St U:B
Owner:Stephen C Wentzell
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:49734/551 D:06/28/07
Source:Shirley Oracle (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Belmont
10/13/09 01:00 PM 19 Thomas St
Owner:Dean S Kapsalis
Lender:Citimortgage Inc Deposit:$10,000
Bk/Pg:46987/105 D:02/17/06
Source:Belmont Citizen & Herald (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Burlington
09/24/09 02:00 PM 6 Violet Rd
Owner:Stephen Morecroft
Lender:First Priority CU Deposit:$10,000
Bk/Pg:45356/56 D:06/08/05
Source:Burlington Times-Union (09/18/09)
Atty:Alessandra E Petruccelli
Cambridge
09/29/09 10:00 AM 68-70 Hampshire St U:4
Owner:Robert A Stevens
Lender:Onewest Bk Deposit:$10,000
Bk/Pg:49877/381 D:07/31/07
Source:Cambridge Tab (09/18/09)
Atty:Ablitt Law Offices 781-246-8995
10/01/09 01:00 PM 1783 Massachusetts Ave U:6
Owner:Ryan Mccarthy
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:45703/496 D:07/25/05
Source:Cambridge Chronicle (09/18/09)
Atty:Korde & Associates 978-256-1500
Concord
10/08/09 10:00 AM 383 Old Bedford Rd
Owner:Paul J Mcmann
Lender:Mark D savage tr Deposit:$50,000
Bk/Pg:46688/538 D:12/15/05
Source:Concord Journal (09/18/09)
Atty:Steven A Ross 617-375-9000
Framingham
09/30/09 02:00 PM 10 Rose Ln
Owner:Louis R Shotten
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:47334/555 D:04/19/06
Source:Metro West (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/01/09 02:00 PM 52 Dow St
Owner:Ubirajara Coelho
Lender:US Bk Deposit:$5,000
Bk/Pg:47509/226 D:05/24/06
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/02/09 05:00 PM 15 Weld St U:75
Owner:Ariane Oliveira
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:47817/151 D:07/14/06
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/08/09 12:00 PM 9 Kings Row Ln
Owner:Yonmoo Chung
Lender:Provident Funding Assoc Deposit:$10,000
Bk/Pg:50254/458 D:10/15/07
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/08/09 02:00 PM 27 Willis St U:23
Owner:Marinalva S Pardim
Lender:US Bk Deposit:$5,000
Bk/Pg:46758/32 D:12/29/05
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/09/09 01:00 PM 32 East St
Owner:Haudro M Carvalho
Lender:US Bk Deposit:$5,000
Bk/Pg:48590/253 D:11/27/06
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/09/09 01:00 PM 67 Nicholas Rd U:G
Owner:Michael P Pfrang
Lender:Onewest Bk Deposit:$5,000
Doc#:1437030 D:03/07/07
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/09/09 09:00 AM 17 Otis St
Owner:David R Daub
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:45432/549 D:06/20/05
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/09/09 03:00 PM 9 Weld St U:19
Owner:Claudio Dasilva
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:45410/206 D:06/13/05
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/16/09 10:00 AM 26 Victor Road Ext
Owner:Robert A Nemet
Lender:Capital Trust LLC Deposit:$10,000
Bk/Pg:50798/567 D:02/28/08
Source:Metro West (09/22/09)
Atty:Gerald Vandam 617-969-2900
Holliston
09/23/09 10:00 AM 8 Regency Dr U:8
Owner:Lori Cummins
Lender:Needham Bk Deposit:$7,500
Bk/Pg:46193/186 D:09/30/05
Source:Metro West (09/18/09)
Atty:Antonellis&Jachowicz LLP
Hopkinton
10/08/09 02:00 PM 50 Walcott Valley Dr U:50
Owner:Diane Rock
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:47648/1 D:06/16/06
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Hudson
10/01/09 10:00 AM 136 Central St U:C7
Owner:Maisa P Franco
Lender:MERS Deposit:$5,000
Bk/Pg:48068/360 D:08/24/06
Source:Metro West (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
10/02/09 01:00 PM 136 Central St U:B1
Owner:Izabel Santo
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:47767/313 D:07/05/06
Source:Metro West (09/18/09)
Atty:Ablitt Law Offices 781-246-8995
10/05/09 02:00 PM 48 Washington St U:4
Owner:Francis Ssempebwa
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:45531/87 D:06/30/05
Source:Metro West (09/18/09)
Atty:Reneau Longoria 978-921-2670
Lexington
09/29/09 01:00 PM 391 Lowell St
Owner:Pattammal Nadanasundaram
Lender:US Bk Deposit:$5,000
Bk/Pg:44602/94 D:02/03/05
Source:Lexington Minute Man (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Marlborough
09/24/09 12:00 PM 336 E Main St U:1
Owner:Christopher Miller
Lender:MERS Deposit:$5,000
Bk/Pg:47521/465 D:05/25/06
Source:Metro West (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
09/24/09 09:00 AM 298 Lincoln St
Owner:Juan Morales
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:46934/110 D:01/31/06
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
09/25/09 01:00 PM 5 Gleason St
Owner:Francisco L Neto
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:43207/7 D:06/30/04
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
09/25/09 12:00 PM 145 Pleasant St U:A309
Owner:Valdivino F Dasilva
Lender:PHH Mortgage Corp Deposit:$5,000
Bk/Pg:42964/238 D:05/28/04
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
09/30/09 05:00 PM 336 E Main St U:5
Owner:Helen Torres
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:46865/397 D:01/23/06
Source:Metro West (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/01/09 11:00 AM 230 Maple St U:5
Owner:Bluefin Properties LLC
Lender:Marlborough SB Deposit:$25,000
Bk/Pg:43743/374 D:09/15/04
Source:Metro West (09/18/09)
Atty:Gerald S Cournoyer Jr
10/01/09 11:00 AM 246 Maple St U:1
Owner:Bluefin Properties 2 LLC
Lender:Marlborough SB Deposit:$25,000
Bk/Pg:47825/95 D:07/18/06
Source:Metro West (09/18/09)
Atty:Gerald S Cournoyer Jr
10/02/09 03:00 PM 45 Lakeside Ave U:2
Owner:Jose Dacosta
Lender:MERS Deposit:$5,000
Bk/Pg:42137/471 D:02/27/04
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/08/09 05:00 PM 90 Howe St
Owner:Juan A Garcia
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:49408/484 D:05/04/07
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/09/09 04:00 PM 596 Boston Post Rd E U:6
Owner:Keylla Souza
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:42796/317 D:05/14/04
Source:Metro West (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/23/09 11:00 AM 38 Brigham St
Owner:38 Brigham Street Corp
Lender:Marlborough SB Deposit:$20,000
Bk/Pg:43706/152 D:09/13/04
Source:Metro West (09/21/09)
Atty:Gerald S Cournoyer Jr
Medford
09/25/09 09:00 AM 2362 Mystic Valley Pkwy
Owner:Marouane Bah
Lender:DLJ Mortgage Capital Inc Deposit:$5,000
Bk/Pg:47056/321 D:03/01/06
Source:Medford Transcript (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
Melrose
10/08/09 09:00 AM 19 Grandview Ave
Owner:Bridgit Fleming Thorne
Lender:FNMA Deposit:$5,000
Bk/Pg:20077/159 D:09/15/89
Source:Melrose Free Press (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
10/15/09 11:00 AM 51 Dexter Rd
Owner:Julie A L Mcdermott
Lender:Waban Mortgage Co Inc Deposit:$15,000
Doc#:01314107 D:03/19/04
Source:Melrose Free Press (09/18/09)
Atty:Robert N Brown 781-461-1411
Natick
10/08/09 09:00 AM 6 Lagrange St
Owner:Myriam Jennings
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:47089/108 D:03/06/06
Source:Natick Tab (09/18/09)
Atty:Harmon Law Offices 617-558-0500
10/16/09 12:00 PM 4 Winnemay St U:1
Owner:Rosemary Giuffre
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Doc#:01398793 D:12/22/05
Source:Natick Tab (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Newton
10/05/09 01:00 PM 2234 Commonwealth Ave U:2234
Owner:Anibal D Souza Jr
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:50177/174 D:09/25/07
Source:Newton Tab (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Pepperell
10/15/09 11:00 AM 4 Birch Dr
Owner:John P Okeefe
Lender:MHFA Deposit:$5,000
Bk/Pg:43573/432 D:08/24/04
Source:Shirley Oracle (09/18/09)
Atty:Lauren A Solar
Shirley
10/09/09 05:00 PM 160 Ayer Rd U:H6
Owner:Chong Uk Paek
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:45982/239 D:08/25/05
Source:Shirley Oracle (09/18/09)
Atty:Korde & Associates 978-256-1500
10/16/09 11:00 AM 29 Patterson Rd
Owner:David B Roy
Lender:US Bk Deposit:$5,000
Bk/Pg:46384/392 D:10/31/05
Source:Shirley Oracle (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Stow
11/02/09 11:00 AM 33 Elm Ridge Rd
Owner:David W Greene
Lender:MERS Deposit:$5,000
Bk/Pg:48191/561 D:09/14/06
Source:Maynard Beacon (09/18/09)
Atty:Orlans Moran PLLC 617-502-4100
Townsend
10/15/09 02:00 PM 8 Emery Rd
Owner:Thomas M Wiley
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:48359/222 D:10/19/06
Source:Shirley Oracle (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Waltham
10/06/09 04:00 PM 22 John St
Owner:Richard Leblanc
Lender:Sutton Funding LLC Deposit:$10,000
Bk/Pg:49140/468 D:03/16/07
Source:Daily News Tribune (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/13/09 01:00 PM 110 Circle Dr
Owner:Kevin D Gaudet
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:46934/576 D:11/15/05
Source:Daily News Tribune (09/18/09)
Atty:Reneau Longoria 978-921-2670
10/13/09 09:00 AM 23 Essex St
Owner:Janice A Barca
Lender:Matrix Fncl Svcs Corp Deposit:$5,000
Bk/Pg:21963/560 D:04/17/92
Source:Daily News Tribune (09/22/09)
Atty:Orlans Moran PLLC 617-502-4100
10/15/09 04:00 PM 126 Florence Rd
Owner:Robert N Lupo
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:41225/547 D:10/17/03
Source:Daily News Tribune (09/18/09)
Atty:Harmon Law Offices 617-558-0500
Reinventing the Rake Reinventing the Rake Photos Yard and Garden Tools Tools and Products This Old House
Posted using ShareThis
With the fall upon us we all turn to the annual chore of raking leaves. The link above has some handy reviews on how to pick the right rake for the job. This Old House does a great job in detailing what to look for in a rake. Below you'll find the yard waste collection dates for Medford, Massachusetts. I add the state because I've been getting a few emails from NJ & Oregon. We're pretty lucky here in Medford with our curbside pick-up & recycling. Sure beats having to haul it to the local transfer station. Below is from the City of Medford, MA website. http://www.medford.org/Pages/MedfordMA_Recycle/yard
WEEK OF:
April 13th , May 11th & 25th , June 8th & 22nd , July 13th , August 10th , September 14th, October 12th & 26th , November 2nd, 9th and 16th
YARD WASTE COLLECTED CURBSIDE ONLY
Yard Waste i.e. grass clippings, leaves, small hedge trimmings and small branches tied in 3' lengths are accepted on the above dates
MUST be in OPEN BARRELS and/or BIODEGRADABLE PAPER LEAF BAGS
DO NOT MIX TRASH & YARD WASTE TOGETHER - IT WILL BE LEFT AT CURBSIDE
Please call the Medford Department of Public Works
if you have any questions - 781-393-2419
Before You Buy Check for Restrictive Covenants
You've just toured the home of your dreams and are ready to make an offer. You can already envision upgrades you would like make: a pool in the back yard, window shutters and a black picket fence to match. You're even excited that your boat will fit in the driveway. Yet, what you may not be aware of is that there are restrictions that dictate what can and cannot be done to or on the property.
Homebuyers, especially first-timers, may not think of asking about restrictive covenants, yet when you purchase property governed by restrictive covenants, you are consenting to abide by those provisions.
A restrictive covenant, which is a type of deed restriction, regulates a group of new and existing homes or building lots. Developers use them to preserve a development or subdivision as a model community and control its use and appearance. Buyers agree to the sometimes-rigid restrictions in order to maintain the aesthetic standard set by the developer and to safeguard the value of their homes.
Restrictive covenants should not be confused with local zoning and government regulations. Some covenants and zoning regulations overlap; for instance, either can limit the height of a building. But, restrictive covenants tend to exert greater control over a homeowner's lifestyle. In addition to standard clauses, which may stipulate a home's minimum size, height, architectural style, and color schemes, covenants often ban practices that could be regarded as aesthetically objectionable--such as parking RVs, boats and non-running vehicles on the property.
Covenants may additionally regulate grass height; window treatments; holiday decorations; walls, fences and hedges; as well as pets--some limit number and type of pets allowed. Very often, owners are required to make repairs within a specified number of days of the initial notification. Depending on a community's location and other unique features, restrictions may be applied to the use of pesticides, herbicides and fertilizers and removal of dirt and trees. Owners can be prohibited from installing solar panels, building an enclosed patio or adding a swimming pool. Restrictive covenants can also prevent owners from renting the home or operating a home business, including music lessons and daycare. Condo and townhouse owners sometimes face even more rigid restrictions.
What happens when a violation occurs? It's up to the homeowner's association or individual property owners to enforce a covenant. Local authorities cannot enforce contractual agreements. Instead, it's likely that a committee would review the complaint, then notify the homeowner. If the homeowner ignores the initial notice, he or she might receive a notice from an attorney. Legal action would be a last resort.
Before You Buy
While most homeowners enjoy the quality of life resulting from restrictive covenants, some covenants may prevent you from living the life you planned. Before committing yourself to a property, be certain you can live with all the restrictions.
•· Ask to see a copy of the restrictive covenants prior to taking a trip out to a property. You may be able to eliminate the house from your "To See" list.
•· If the sales professional didn't have the document available initially, be certain to review a copy of the restrictive covenants prior to making an offer.
•· Or, make your offer contingent on your review and approval of the restrictive covenants.
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