Silverock Cove on Smith Lake

What to compare in Silverock Cove

Common-area and boat-slip rights, whole-unit rental terms, owner maintenance and insurance, and current association charges.

Your neighborhood questions, answered

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

Silverock Cove is a condominium community expanded through recorded additions in Winston and Cullman Counties. The 2015 property exhibit identifies 55.5 acres after excluding parcels A–E; those parcels have separate reserved access rights. The 2016 amendment adjusts units 601–605. Match an offered unit to its recorded plan, allocation and title; a community name alone does not establish its rights.

Is there an HOA, and what does it cost?

Confirm current terms

Yes—unit owners belong to the association and are subject to assessments. A 2018 amendment calls for a one-time $1,000 working-capital assessment at purchase closing from the developer or an existing owner. That dated recorded amount is not verified current dues. Obtain today's dues, closing contribution, reserves, special assessments and unpaid-balance statement.

Silverock Cove recorded condominium declaration and exhibits · §§4.02, 5.01–5.07 · Deeds 278, pp. 402, 407–409; amended §5.03 · General Record 8, p. 145
Silverock Cove tenth amendment: closing working capital · §§4.02, 5.01–5.07 · Deeds 278, pp. 402, 407–409; amended §5.03 · General Record 8, p. 145

What neighborhood amenities are available?

Confirm current terms

The 2011 Second Amendment identifies the pool, clubhouse, boardwalks, boat docks and parking as common elements. The undated overview describes first-come slip arrangements. Confirm facilities now operating, any charges and the offered unit's recorded access; this does not establish a permanently assigned deeded slip for every owner.

Silverock Cove second amendment: added units and common facilities · Second Amendment, paragraph 2 · Deeds 287, p. 725; overview: How Do the Boat Slips Work?
Silverock Cove owner welcome and FAQ · Second Amendment, paragraph 2 · Deeds 287, p. 725; overview: How Do the Boat Slips Work?

What size home can I build?

Document summary

Original §7.03 states 750 heated square feet, with 750 on the main level for a 1½- or two-story dwelling, excluding open porches, and a two-story above-ground limit. It expressly excludes units owned and developed by the developer. The reviewed amendments do not change that clause; confirm current standards and its application to the exact unit.

Silverock Cove recorded condominium declaration and exhibits · §7.03 · Deeds Book 278, pp. 416–417

What styles and plans need approval?

Document summary

Architectural review applies to construction and exterior/site changes; some interior changes are excepted. Obtain written approval and current plans/material standards. Different approval processes have different response provisions, so silence is not blanket permission.

Silverock Cove recorded condominium declaration and exhibits · §§4.04–4.06, 6.02(c), 7.17 · Deeds Book 278, pp. 402–405, 412, 420

Are manufactured or mobile homes allowed?

Confirm current terms

The declaration prohibits mobile homes, motorhomes, trailers and campers on units. Older deeds in Exhibit G also prohibit modular/mobile homes and house trailers on their described tracts. Match those title restrictions to the offered unit, especially later additions, and obtain the current architectural ruling for a proposed manufactured or modular design.

Silverock Cove recorded condominium declaration and exhibits · §7.02(p) and Exhibit G · Deeds Book 278, pp. 416, 467, 471–472

Can I keep or stay in an RV or camper?

Document summary

The original declaration restricts RV/camper use or storage on condominium property and prohibits motorhomes, trailers and campers on units. Equipment-storage provisions are separate from occupancy. Obtain the current parking/storage rules and written confirmation of the intended use; designated storage is not permission to live in an RV.

Silverock Cove recorded condominium declaration and exhibits · §7.02(c), (p) · Deeds Book 278, pp. 414, 416

When must construction start?

Document summary

Where a developer purchase agreement makes the buyer responsible for construction, the original rule requires plans within 180 days of closing and an approved-contractor contract within 180 days of approval. Separately, plans must be resubmitted if substantial work has not begun within a year of approval. These are not a universal resale purchase-to-start deadline.

Silverock Cove recorded condominium declaration and exhibits · §§4.04, 4.06(g) · Deeds Book 278, pp. 402–403, 405

When must construction finish?

Document summary

The original ordinary construction/alteration rule requires completion within twelve months after work begins, with related compliance and written-variance provisions. The 2019 amendment has separate casualty-restoration duties, including special rowhome rules. Confirm the applicable current approval and any written extension.

Silverock Cove recorded condominium declaration and exhibits · §§4.04, 4.06(j), 7.17 · Deeds 278, pp. 402–403, 405, 420; casualty rules · Deeds 335, pp. 74–76
Silverock Cove eleventh amendment: maintenance and insurance · §§4.04, 4.06(j), 7.17 · Deeds 278, pp. 402–403, 405, 420; casualty rules · Deeds 335, pp. 74–76

Can I rent through Airbnb or VRBO?

Document summary

The recorded rule allows whole-unit leases of at least seven days, prohibits individual-room rentals and includes a developer exception. None of the captured declaration amendments changes that clause. Current association operating requirements and any later rules still need confirmation before advertising or buying for Airbnb/VRBO use.

Silverock Cove recorded condominium declaration and exhibits · §7.18 · Deeds Book 278, pp. 420–421; reviewed amendments through Eleventh Amendment

What other rules should I know?

Document summary

Effective April 1, 2019, the Eleventh Amendment deletes the old association unit-exterior/roof obligation and places unit insurance and casualty costs on owners, while retaining common-element responsibilities. Rowhomes have separate casualty provisions. Request current exterior-service arrangements, insurance requirements and the unit's assessment information.

Silverock Cove eleventh amendment: maintenance and insurance · Eleventh Amendment, paragraphs 1–6 · Deeds Book 335, pp. 65–75

All 270 captured official-preview pages were examined, including the original declaration, eleven declaration amendments and the first bylaw amendment. Main clauses, bylaws and legal-description text were read; fine survey dimensions are not fully legible. The 2019 maintenance/insurance change is incorporated here. Current charges, policies, facility operation and exact unit rights still require confirmation; this is not a certified complete title search. Research checked 2026-10-31.

Neighborhood features

• The 2011 Second Amendment expressly includes the pool, clubhouse, boardwalks, boat docks and parking areas as common elements. Confirm current operation and the offered unit's access and charges.

  Silverock Cove second amendment: added units and common facilities · Paragraph 2 · Deeds Book 287, p. 725

• The owner overview describes first-come slip arrangements. It does not establish a permanently assigned, deeded slip for every unit; check the offered property's recorded and current operating rights.

  Silverock Cove owner welcome and FAQ · Overview: How Do the Boat Slips Work?; declaration §1.01 and unit/limited-common-element plan
  Silverock Cove recorded condominium declaration and exhibits · Overview: How Do the Boat Slips Work?; declaration §1.01 and unit/limited-common-element plan

Building and ownership notes

The available document copies state:

• Association membership and assessment duties apply. The 2018 amendment replaces the original working-capital formula with a one-time closing contribution; current dues, closing charges and assessments need a current statement.

  Silverock Cove recorded condominium declaration and exhibits · §§4.02, 5.01–5.07 · Deeds Book 278, pp. 402, 407–409; General Record Book 8, p. 145
  Silverock Cove tenth amendment: closing working capital · §§4.02, 5.01–5.07 · Deeds Book 278, pp. 402, 407–409; General Record Book 8, p. 145

• The original owner-built-home minimum is 750 heated square feet, with 750 on the main level for a 1½- or two-story dwelling, excluding open porches. Units owned and developed by the developer are expressly excepted. Confirm applicable current unit standards.

  Silverock Cove recorded condominium declaration and exhibits · §7.03 · Deeds Book 278, pp. 416–417

• Architectural approval, conditional developer-purchaser deadlines and approval-expiry rules are separate. The original ordinary construction-completion period is twelve months after work begins; written variances and separate casualty rules must be considered.

  Silverock Cove recorded condominium declaration and exhibits · §§4.04–4.06, 7.17 · Deeds Book 278, pp. 402–405, 420; amended casualty rules, Deeds Book 335, pp. 74–76
  Silverock Cove eleventh amendment: maintenance and insurance · §§4.04–4.06, 7.17 · Deeds Book 278, pp. 402–405, 420; amended casualty rules, Deeds Book 335, pp. 74–76

• The declaration restricts mobile homes, motorhomes, trailers and campers on units and separately controls RV/equipment storage. Designated storage is not permission for residential occupancy.

  Silverock Cove recorded condominium declaration and exhibits · §7.02(c), (p) · Deeds Book 278, pp. 414, 416

• The recorded lease clause permits whole-unit leases of at least seven days, excludes individual-room rentals and includes a developer exception. Obtain current amendments and operating requirements before relying on it for a rental business.

  Silverock Cove recorded condominium declaration and exhibits · §7.18 · Deeds Book 278, pp. 420–421

• The 2019 amendment removes the old association unit-exterior/roof provision and revises unit insurance and casualty responsibilities. Owners carry unit coverage; the association covers common elements. Confirm current exterior services and policies for the offered unit.

  Silverock Cove eleventh amendment: maintenance and insurance · Paragraphs 1–6 · Deeds Book 335, pp. 65–75 · effective April 1, 2019

Recorded document trail

• The original declaration and complete attached bylaws were read. The first declaration amendment corrects developer identity and execution capacity while preserving other terms.

  Silverock Cove recorded condominium declaration and exhibits · 79355 · Deeds Book 278, pp. 386–477; 79608 · pp. 630–634
  Silverock Cove first declaration amendment · 79355 · Deeds Book 278, pp. 386–477; 79608 · pp. 630–634

• The 2011 amendments add units/common facilities and the replacement access-easement arrangement. Road/easement maintenance is distinct from responsibility for unit exteriors.

  Silverock Cove second amendment: added units and common facilities · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215
  Silverock Cove third amendment: added units · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215
  Silverock Cove fourth amendment: access easement · 92356 · Deeds 287, pp. 722–742; 92357 · pp. 743–754; 92886 · Deeds 288, pp. 197–215

• The 2012–2016 records expand actual property across Winston/Cullman, update unit allocations and reserve access for excluded parcels. The Ninth Amendment changes only the boundaries of units 601–605. These historical schedules are not today's certified unit inventory.

  Silverock Cove fifth amendment: added Winston/Cullman property · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475
  Silverock Cove sixth amendment: added units · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475
  Silverock Cove seventh amendment: added units and property · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475
  Silverock Cove eighth amendment: property and reserved access · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475
  Silverock Cove ninth amendment: unit-boundary changes · 97455 · Deeds 291:922–940; 107821 · 298:372–390; 119193 · 304:582–600; 134335 · 314:197–220; 145086 · 317:464–475

• The 2018 bylaw amendment changes director terms. The Tenth Declaration Amendment replaces §5.03 with a closing working-capital assessment that applies to purchases from the developer or a current owner.

  Silverock Cove first bylaw amendment · 158861 · General Record Book 8, pp. 138–142; 158862 · pp. 143–147, operative p. 145
  Silverock Cove tenth amendment: closing working capital · 158861 · General Record Book 8, pp. 138–142; 158862 · pp. 143–147, operative p. 145

• The Eleventh Amendment removes the original association exterior/roof provision and revises insurance and casualty allocation effective April 1, 2019. The old original/overview difference is addressed by this later recorded change; current services still need confirmation.

  Silverock Cove eleventh amendment: maintenance and insurance · 165213 · Deeds Book 335, pp. 63–80; operative changes pp. 65–76

• Exact unit/title coverage, current rules and charges, slip allocations and later filings remain separate checks. Older tract-specific restrictions and fine plan dimensions are not certified for a particular purchase by this guide.

  Silverock Cove recorded condominium declaration and exhibits · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475
  Silverock Cove eighth amendment: property and reserved access · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475
  Silverock Cove ninth amendment: unit-boundary changes · Original Exhibit G · Deeds Book 278, pp. 466–477; Eighth/Ninth property and plan exhibits · Deeds 314:205–220 and 317:471–475

Questions for the exact property

• What current dues, closing contributions, reserves and special assessments apply to this unit?
• Which recorded plan, slip rights and current rental rules apply to the offered property?
• What exterior services, unit insurance and common-element responsibilities apply today?

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.