Sometimes a homeowner's house isn't his castle. Deed restrictions are legal requirements that mandate, for example, you paint your house in primary colors, build in a certain style or keep your yard free of clutter. Usually, the developer or the homeowners association imposes them to maintain the neighborhood's look and keep property values high. Unless there's a written expiration date, the restrictions don't expire automatically. You may be able to void them, however.
Read the Rules
The first step is to read the restrictions, which may be in your homeowners association covenants, or on file in the county registry of deeds. Find out whether the restrictions have an expiration date, or require that the homeowners association vote to renew them. Some covenants also allow you to secure a waiver. For example, you may be eligible for an exception if everyone on your street signs a waiver form OK'ing your plans.
Sometimes you can invalidate a deed restriction by showing it's not a legal requirement. In the 20th century, it was common for covenants to block an owner from selling to nonwhites, for example, but changes in the law made those covenants illegal and unenforceable. Courts also have thrown out covenants that say owners can't sell to seniors or to families with more than two children. Invalidating the restrictions requires going to court and getting a judge to rule in your favor.
If the restrictions aren't clear and precise, that may give you another way out. A covenant that requires, say, that you maintain the "quality" of the neighborhood is a vague standard. If you haven't violated a specific restriction, a judge might give you the benefit of the doubt. However, simply disagreeing with your association about how to interpret the rules isn't enough. The rules have to be ambiguous enough that there's more than one reasonable interpretation.
Out of Date
Deed restrictions that worked once upon a time may not be binding today. It's harder to argue a restriction is valid if half the neighborhood already has broken it without penalty. Suppose the homeowners association says you can't build a garden shed, but it has given multiple owners a waiver for similar projects. You can claim the neighborhood has changed, and there's no longer a point to the ban. If it's only a couple of waivers, you may be out of luck.
- George Doyle/Stockbyte/Getty Images
- How to Shop for & Compare Homeowners Insurance
- Pros & Cons of Long-Term Health Insurance
- What Do I Do if Title Insurance Is Not Approved for a House?
- Rules for Renting to a Relative
- How Does Listing Price Affect an Appraisal?
- How to Document Your Property for Insurance Reasons
- How to Be Covered Under Health Insurance When Changing Jobs
- Is the Homeowner Responsible When Someone Gets Injured on Their Property?
- What Is a Pre-Determination Letter for Health Insurance?
- If a Tree in My Yard Falls on My Neighbor's House Whose Insurance Is Responsible?