Neighborhood features
The declaration describes a private boat ramp for residential owners, allowing one guest at a time and prohibiting boat-trailer parking on the ramp. Confirm present operation and the offered lot’s rights.
White Oak Ridge recorded declaration · Article V, Land Use and Building Type (e) · Deeds Book 365, p. 234The declaration describes an automatic gate and private roads, with association gate-maintenance responsibilities. This does not establish that the gate is operating today or that road status has remained unchanged.
White Oak Ridge recorded declaration · Article V, Automatic Gate Operator (a) · Deeds Book 365, p. 237
Building & ownership notes
The available document copies state:
The dwelling-size provisions state 2,000 square feet of above-ground single-level living space, excluding porches, carports and garages, without committee approval otherwise. Multistory homes separately require 1,000 square feet on the first above-ground level unless the committee approves otherwise. Read the exact plan with the committee rather than assuming one figure applies to every layout.
White Oak Ridge recorded declaration · Article V, Minimum Dwelling Size (a)–(c) · Deeds Book 365, p. 235Construction, site improvements and landscaping follow the architectural committee’s written plan-review process, including the stated submission requirements and response procedure.
White Oak Ridge recorded declaration · Article V, Architectural Control (a)–(f) · Deeds Book 365, pp. 233–234Dwelling construction must finish within 18 months after commencement unless prior written architectural approval provides otherwise. This is a completion period, not a deadline to begin building after purchase.
White Oak Ridge recorded declaration · Article V, Temporary Structures (b) · Deeds Book 365, p. 237The temporary-residence prohibition has a limited construction exception for one motorhome or one travel trailer used by the owner or builder. A septic tank is required for living in it, units over ten years old require committee approval, and even approved units may not remain longer than 18 months.
White Oak Ridge recorded declaration · Article V, Temporary Structures (a) · Deeds Book 365, p. 236Listed motorhomes, trailers, boats and similar vehicles are generally restricted to properly constructed garages; the document separately describes the limited construction-residence exception. Confirm the precise parking or occupancy proposal.
White Oak Ridge recorded declaration · Article V, Storage and Parking / Temporary Structures · Deeds Book 365, p. 236Boathouses, piers, docks and related shoreline work require the stated Alabama Power permission; individual sewage-disposal systems require approval under applicable health-authority requirements.
White Oak Ridge recorded declaration · Article V, Sewage Disposal / Boathouses and Piers · Deeds Book 365, p. 238
Recorded document trail
Official record citations help identify the documents to review. Index entries alone do not establish their rules or current application to a lot. Use the county, instrument, book and page references to search and verify the records yourself.
The declaration’s opening identifies original Lots 1–13. Its building-location clause specifically refers to the shoreline of Lewis Smith Lake and the 522-foot flood easement.
White Oak Ridge recorded declaration · Deeds Book 365, pp. 228 and 235 · instrument 192195The original plat and the later Lots 12 and 13 resurvey are separately indexed. The resurvey has not been read as a change to the community’s building, rental or use rules.
White Oak Ridge plat and resurvey index · Original: 192111 · Plat Book 3, pp. 301–304 · February 21, 2023. Resurvey: 199275 · Plat Book 2024, pp. 5–9 · August 12, 2024.Article VI references separate restrictive covenants. The declaration also contains special Lots 12 and 13 provisions; those references and the later resurvey require a combined lot-specific review. References to “White Oak Pointe, LLC” name the declarant entity and do not establish a separate subdivision.
White Oak Ridge recorded declaration · Article I · Deeds Book 365, p. 229; Article V, Land Use (c) · p. 234; Article VI · p. 239
Before you buy: a property checklist
- What do the full 2024 resurvey and current deed establish for Lots 12 and 13?
- Can the association supply the separate referenced restrictions, current amendments and architectural review requirements?
- Are the private ramp and gate operating, and what owner/guest access and maintenance charges apply?
- Have any subdivision roads been accepted for public maintenance, and are road or gate special assessments planned?
- What current septic approvals, utility service and Alabama Power shoreline permits support the intended home and dock?