Suppose you own a recreational vehicle (RV) or camper van and want to buy a home in a planned community governed by a homeowner’s association (HOA).
In that case, you’ll want to pay close attention to the homeowners association parking rules that regulate commercial or recreational vehicles within the community.
Common homeowners association parking rules can regulate parking, restrict street parking, and designate specific parking locations. Homeowners Associations can also enforce parking restrictions, parking regulations, and speed limits. They can also create definitions for “abandoned vehicles.”
Another power homeowners associations have is defining a vehicle as an “abandoned vehicle.” They can also tow vehicles, designate prohibited vehicles, parking duration, and issue violation notices and fines when a violation occurs.
If buying a home in a planned community, make sure to carefully review the HOA’s governing documents before signing on the dotted line.
Typical HOA Restrictions on RVs and Camper Vans
Most HOA communities restrict parking of RVs, camper vans, trailers, boats, commercial vehicles, and other large vehicles with parking rules. Common limitations include:
- Banned vehicle types – The HOA may prohibit parking certain vehicle types and sizes, like RVs over a particular length or camper vans that exceed specific dimensions or weights.
- Location limits – Most homeowners associations prohibit parking RVs, trailers, boats, and camper vans in front yards, driveways, or streets to preserve neighborhood aesthetics.
- Time limits – HOAs can limit temporary RV or camper van parking on driveways or roads, such as 48 hours maximum.
- Permits and guidelines – Some HOAs require permits and specify the number of days per year RVs and camper vans can be parked in the community.
- Designated parking areas – If space allows, HOAs may set specific lots or communal areas for RV and camper van parking away from homes.
- Insurance requirements – HOAs permitting RV or camper van parking may require owners to maintain adequate insurance coverage and current vehicle registrations.
When HOAs Grant Exceptions
In some cases, HOAs make exceptions to standard parking restrictions:
- Temporary parking – You may get special permission for short-term parking for loading, deliveries, guests, etc.
- Hardship exceptions – Exceptions are sometimes allowed if you face extenuating circumstances like financial difficulties or medical issues.
- Disability accommodations – HOAs must provide reasonable accommodations if you have a disability or medical need documented.
Legal Protections for Disabled Owners
Laws like the Fair Housing Act and the Americans with Disabilities Act (ADA) require HOAs to make reasonable parking accommodations for residents with eligible disabilities.
Reviewing the HOA Rules Before Buying
Before purchasing a home or RV/camper van in an HOA community, carefully review the HOA’s current guidelines for parking restrictions and potential exceptions. Reach out to the HOA board with any clarification needed. Understanding the rules ahead of time can prevent headaches later on.
Contact Steve Silver at Silver Mortgage, at 1-800-920-5720.
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