Is CCR the Same as HOA?

Is CCR the Same as HOA?

As you search for your first home, get ready to hear the terms “HOA” and “CCR” pop up frequently in conversations. “Be sure to review the HOA bylaws before making an offer,” your real estate agent reminds you. “And thoroughly read through the community’s CCRs once you’re under contract,” advises your mortgage lender.

By the fifth mention of “HOA docs” or “CCRs,” your eyes may start to glaze over, wondering what exactly is the difference between these two acronyms. If it seems confusing, you’re not alone. When assessing neighborhoods and properties, many first-time homebuyers struggle to distinguish between homeowners associations (HOAs) and covenants, conditions, and restrictions (CCRs).

In simple terms, an HOA refers to an organization that oversees a community, while CCRs are the set of governing rules that the HOA establishes and upholds. Still fuzzy on the nuances between the two or maybe refer to an HOA website? Read on for a more in-depth rundown on HOAs versus CCRs.



What is a Homeowners Association (HOA)?

A homeowners association, or HOA, is an organization that oversees and governs certain communities, typically housing developments like condominium complexes or subdivisions. If the property you purchase has an HOA, membership is mandatory for all owners.

Governance Structure

HOAs are essentially “neighborhood governments” focused on community upkeep and enforcing established guidelines. They are overseen by a board of directors elected by the members. This volunteer HOA board enacts and upholds the rules and regulations known as covenants, conditions, and restrictions (CCRs).

Rules Enforcement Authority

A key role of HOAs involves enforcing the community’s CCRs. These rules dictate standards for topics like:

  • Property maintenance – Exterior paint colors, lawn care
  • Home modifications – Getting additions/renovations approved
  • Pet policies – Size limits, leash rules, cleanup requirements
  • Noise restrictions – Quiet hours enforcement
  • Parking regulations – Number/type of vehicles allowed

The HOA board has broad authority to govern common areas and ensure residents comply with restrictions. They can issue fines, put liens against properties, or even initiate foreclosure proceedings for ongoing, unresolved issues.

Membership Dues

HOAs collect monthly or annual dues from residents to cover costs like:

  • Community amenities – Pools, tennis courts, playgrounds
  • Landscaping of common areas
  • Upkeep of sidewalks, fountains and other shared features
  • Insurance, management, administrative fees

What Does CCR Refer To?

CCR stands for “covenants, conditions and restrictions” – the set of governing rules enacted by a homeowners association. All owners in a community overseen by an HOA must comply with the CCRs.

1. Covenants

Covenants refer to the standards and expectations established for the properties within the community. They dictate acceptable parameters for topics like:

  • Home sizes, designs and materials
  • Landscaping and maintenance requirements
  • Modification guidelines and approval processes
  • Pet and parking policies
  • Renter and short-term rental allowances

2. Conditions

Conditions outline requirements for membership in the HOA community. Buyers must accept the existing HOA structure, leadership, and rules to purchase a property.

3. Restrictions

Restrictions detail prohibited behaviors that violate the covenants. This includes activities like:

  • Operating loud machinery after hours
  • Letting dogs run loose
  • Parking commercial vehicles at home
  • Making unapproved structural changes

If residents break the rules laid out in the CCRs, the HOA has the authority to enforce penalties.

Recording CCRs

HOAs are required to record an official version of their community’s CCRs with the county clerk’s office. This puts all prospective and current owners on notice of the standards and restrictions for properties in the HOA.

Key Differences Between HOAs and CCRs

While HOAs and CCRs are fundamentally linked in communities with mandatory membership associations, they have distinct definitions:

HOAs = Membership Organizations

HOAs refer to the actual organizations made up of homeowners elected to make decisions and govern neighborhoods. Think of HOAs as mini governments establishing guidelines best suited for their particular communities.

CCRs = Rules and Standards

Meanwhile, CCRs simply refer to the “covenants, conditions and restrictions” – the codified set of governing rules put in place by an HOA. CCRs outline standards and expectations for topics like home design, landscaping, parking policies and more.

HOAs Enforce CCRs

A key function of an HOA involves enforcing their community’s CCRs. If residents fail to comply with the standards, limits, or restrictions spelled out in the CCRs, the HOA has authority to respond with warnings, fines, or other escalating actions.

CCRs Can Exist Without HOAs

While HOAs institute and uphold CCRs, it is possible to have a set of CCRs recorded for a neighborhood without having a formal HOA organization. This may occur in rural areas with few houses spread far apart or communities that don’t require extensive governance oversight from an elected HOA board. If issues arise, county or city ordinances may partially cover enforcing certain CCRs.

When Are CCRs Enforced Without an HOA?

In some cases, CCRs are not strictly enforced without an HOA – and knowing when to enforce CCRs can be tricky. Generally, county or city ordinances will take precedence over CCRs in a given situation. However, there are some cases where CCRs can be enforced without an HOA. 

Rural Areas: In rural neighborhoods with houses spaced far apart, forming an HOA may be unnecessary. However, basic CCRs may still dictate standards for issues like fire protection, land buffers, or pet containment policies to prevent conflicts between neighbors.

Financial Limitations: Forming an HOA requires collecting fees to fund community maintenance and management costs. Less affluent areas may establish CCRs but forgo forming an HOA due to residents’ inability to cover adequate dues.

Local Government Oversight: Without an HOA, county or municipal departments take over partial enforcement of certain CCRs tied to ordinances. For example, police may cite homeowners for keeping derelict vehicles in their yards, violating community aesthetics standards. 


What is the difference between HOA bylaws and covenants?

HOA bylaws outline the operational rules and procedures for the homeowners association as an organization. Covenants refer to the restrictions and standards placed on properties by the HOA, as detailed in the recorded Covenants, Conditions & Restrictions (CCRs).

Is CCR the same as an HOA?

No, while related, they have distinct meanings. HOA refers to the homeowner’s association – the organization overseeing a development. CCR refers to the Covenants, Conditions & Restrictions – the set of rules enforced by an HOA per the CCRs document.

How do I find the CCRs for my property?

The HOA’s recorded CCR document outlining rules, standards, and restrictions is publicly accessible from your county clerk’s office property records. You can request a copy by searching property records using your address.

Are HOA bylaws legally binding?

Yes, HOA bylaws are legally enforceable for association members. If residents violate approved bylaws, the HOA can impose fines, place liens against properties, or initiate foreclosure proceedings for ongoing non-compliance.

The Bottom Line

CCRs and HOAs provide necessary oversight for residential property developments and can ensure the integrity of neighborhood values. As a homeowner, it is essential to understand these rules to protect your rights within the community and avoid any potential penalties for noncompliance.

While an HOA institutes and upholds the CCRs, you can have a set of recorded CCRs without having a formal HOA organization, such as in rural neighborhoods. However, enforcing the rules can prove tricky without an HOA in place.

A comprehensive HOA website can help both communities by clearly communicating important information like bylaws, meeting minutes, architectural guidelines, and other governance documents. 

With user logins, online payments, and digital voting capabilities, website platforms explicitly designed for HOAs and other community associations can assist in organization, transparency, and democratic processes – with or without formal HOAs.


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