Understanding Property Restrictions: Zoning and HOA Rules Explained

18 May 2024 · 1 min

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In this brief segment, the speaker outlines the two primary layers of property restrictions that affect homeowners, especially those in subdivisions. The first layer is municipal zoning, which governs land use and building standards set by the township or city. The second layer consists of Homeowners Association (HOA) rules, formally known as covenants, conditions, and restrictions (CC&Rs), which are imposed by the HOA governing a subdivision. The speaker emphasizes that when purchasing a home in a subdivision, both sets of rules apply, but HOA rules and CC&Rs are typically more restrictive than the broader township zoning ordinances.

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So there are two different levels of property restrictions that you need to consider, most commonly need to consider, and that's zoning and HOA rules or covenants, conditions, and restrictions. Okay. So if you live in a subdivision or you're gonna buy a home in a subdivision, both of these apply. Okay. Obviously the HOA rules and the CC&Rs are usually more restrictive. Than just the township zoning ordinance.