Misty Shores on Smith Lake

What to compare in Misty Shores

Building and garage standards, owner ramp access and current association requirements.

Your neighborhood questions, answered

Document summaries describe the sources reviewed. Confirm current amendments, fees and the rules for your exact lot.

The 2004 Misty Shores covenants are recorded at Cullman Miscellaneous Book 219, pages 647–652. The complete companion bylaws identify the subdivision map at Map Book 2004, page 9; their own recording citation has not been verified. Exact lot/phase applicability and later documents still need confirmation.

Is there an HOA, and what does it cost?

Confirm current terms

Yes—the reviewed covenants and bylaws establish an owner association and assessments. The bylaws describe annual dues, special assessments and a transfer-related charge, but their historical amounts are adjustable and are not today's verified charges. Request the current dues, budget, special-assessment notices and lot account statement.

Misty Shores restrictive covenants · Covenants · Miscellaneous Book 219, pp. 647–652; bylaws Articles III(A), VII(A)–(F), PDF pp. 2 and 6–7
Misty Shores Homeowners Association bylaws · Covenants · Miscellaneous Book 219, pp. 647–652; bylaws Articles III(A), VII(A)–(F), PDF pp. 2 and 6–7

What neighborhood amenities are available?

Confirm current terms

The document describes a lot-owner boat ramp and temporary parking, not public access. Confirm that the ramp is operating and that this lot has access under the current rules.

Misty Shores restrictive covenants · Provision 23 · Miscellaneous Book 219, p. 650 · PDF page 4

What size home can I build?

Document summary

At least 1,600 heated square feet is specified, excluding the stated ancillary areas; multistory dwellings need at least 900 heated square feet on the first floor.

Misty Shores restrictive covenants · Provision 15 · Miscellaneous Book 219, p. 649 · PDF page 3

What styles and plans need approval?

Document summary

The committee reviews building/site changes and shoreline improvements; exterior materials and colors also require its approval.

Misty Shores restrictive covenants · Provisions 2, 15(A)–(B) and 27 · Miscellaneous Book 219, pp. 647, 649–650 · PDF page 3

Are manufactured or mobile homes allowed?

Confirm current terms

The 2004 copy excludes listed mobile/temporary structures as residences. Confirm the exact classification and current rules for any proposed manufactured or modular unit.

Misty Shores restrictive covenants · Provision 6 · Miscellaneous Book 219, p. 648 · PDF page 2

Can I keep or stay in an RV or camper?

Confirm current terms

The listed mobile and temporary structures are excluded as residences. Separate current requirements for recreational RV parking, storage or guest use have not been verified.

Misty Shores restrictive covenants · Provision 6 · Miscellaneous Book 219, p. 648 · PDF page 2

When must construction start?

Confirm current terms

No deadline to start building after purchase is stated in the fully read covenant and bylaw copies. The covenants' exterior-completion clock begins with foundation placement. Confirm later amendments and the offered lot's requirements.

Misty Shores restrictive covenants · Covenants provision 18 · Miscellaneous Book 219, p. 649; complete seven-page bylaws
Misty Shores Homeowners Association bylaws · Covenants provision 18 · Miscellaneous Book 219, p. 649; complete seven-page bylaws

When must construction finish?

Document summary

Exterior construction is to be completed within one year beginning with foundation placement.

Misty Shores restrictive covenants · Provision 18 · Miscellaneous Book 219, p. 649 · PDF page 3

Can I rent through Airbnb or VRBO?

Confirm current terms

The 2004 covenants except private residential rentals from the residential-use restriction. The supplied bylaws allow written assignment of membership rights to a resident tenant. Neither fully read copy states a minimum stay or expressly approves Airbnb or VRBO use; obtain current amendments and rental rules.

Misty Shores restrictive covenants · Covenants provision 1 · Miscellaneous Book 219, p. 647; bylaws Article III(C), PDF p. 3
Misty Shores Homeowners Association bylaws · Covenants provision 1 · Miscellaneous Book 219, p. 647; bylaws Article III(C), PDF p. 3

What other rules should I know?

Document summary

An enclosed two-vehicle garage is required under the reviewed copy; exterior materials and colors are subject to committee approval.

Misty Shores restrictive covenants · Provision 15(A)–(B) · Miscellaneous Book 219, p. 649 · PDF page 3

All six supplied covenant pages and all seven companion bylaw pages were read. The sources establish an association, assessment provisions and building/use rules, while current amendments, today's charges, current ramp operations and the offered lot's rental requirements remain unverified. Research checked 2026-10-31.

Neighborhood features

• The declaration describes a designated boat ramp and temporary parking for lot owners, rather than public access. Current operation and the offered lot’s rights require confirmation.

  Misty Shores restrictive covenants · Provision 23 · Miscellaneous Book 219, p. 650 · PDF page 4

Building and ownership notes

The available document copies state:

• The declaration specifies 1,600 heated square feet, excluding its listed ancillary areas; multistory homes require at least 900 heated square feet on the first floor.

  Misty Shores restrictive covenants · Provision 15 · Miscellaneous Book 219, p. 649 · PDF page 3

• Building and site changes and shoreline improvements require Architectural Control Committee review.

  Misty Shores restrictive covenants · Provisions 2 and 27 · Miscellaneous Book 219, pp. 647 and 650 · PDF page 1

• An enclosed two-vehicle garage is required, and exterior materials and colors are subject to committee approval.

  Misty Shores restrictive covenants · Provision 15(A)–(B) · Miscellaneous Book 219, p. 649 · PDF page 3

• The copy excludes listed mobile/temporary structures as residences and requires exterior construction to be completed within one year beginning with foundation placement.

  Misty Shores restrictive covenants · Provisions 6 and 18 · Miscellaneous Book 219, pp. 648–649 · PDF page 3

• The copy describes single-family residential use with an express exception for private residential rentals and limited home occupations. It does not establish current short-term rental permission.

  Misty Shores restrictive covenants · Provision 1 · Miscellaneous Book 219, p. 647 · PDF page 1

Recorded document trail

• Use the recorded covenant citation and offered lot’s plat when checking subsequent amendments. Historical assessments in the old documents are not quoted as current dues.

  Misty Shores restrictive covenants · Miscellaneous Book 219, pp. 647–652 · recorded November 18, 2004
  Cullman County probate record search · Miscellaneous Book 219, pp. 647–652 · recorded November 18, 2004

Questions for the exact property

• Is the owner ramp currently operating, and what access, parking and maintenance rules apply?
• What current assessments or road/ramp special assessments are due?
• What dock or shoreline approvals accompany this particular lot?
• How do the garage, buildable area, septic approval and utility service fit the planned home?

Understand the map and the property

Community pins identify reference locations, not entrances or subdivision boundaries. A highlighted tax parcel is the selected listing’s map reference and may not include all land offered for sale. Nearby parcels are not assumed to be part of the community or listing. Confirm boundaries, access and rights with recorded documents and a survey.