Stillwater Cove on Smith Lake

What to compare in Stillwater Cove

The 2026 declaration, current architectural guidelines and written confirmation of assessments and use rules.

Your neighborhood questions, answered

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

Amended Declaration for Stillwater Coves Subdivision, Winston instrument 209750, Deeds Book 2026, pages 5773–5792, executed and recorded October 28, 2026. Confirm the offered lot’s coverage within the complete document set.

Is there an HOA, and what does it cost?

Confirm current terms

The October 28, 2026 declaration states $150 annually per residential lot as of that date, with adjustment procedures and other assessment categories. Confirm today’s dues, special assessments and lot balance directly with the association.

Stillwater Coves amended declaration · §§4.01 and 4.06 · Deeds Book 2026, pp. 5782 and 5784–5785 · PDF page 10

What neighborhood amenities are available?

Not verified

Present shared amenities, operating access and any dock or slip allocation have not been verified for the offered lot.

Stillwater Coves amended declaration · Current documents or property-specific confirmation not yet reviewed.

What size home can I build?

Confirm current terms

No numeric dwelling minimum was identified in the 2026 declaration. Obtain the separate current Architectural Guidelines and Requirements; the older 2007 minimum is not treated as current here.

Stillwater Coves amended declaration · 2026 declaration, pp. 5773–5792; §§2.02, 2.08 and 6.01–6.02 refer to separate guidelines. · PDF page 14

What styles and plans need approval?

Document summary

The 2026 declaration requires architectural review of construction, proposed improvements and site changes, including prior written approval of the building site, under separate guidelines.

Stillwater Coves amended declaration · §§2.02, 2.08 and 6.01–6.02 · Deeds Book 2026, pp. 5775 and 5786 · PDF page 14

Are manufactured or mobile homes allowed?

Confirm current terms

No express manufactured, modular or mobile-home rule was identified in the 2026 declaration. Obtain the separate current guidelines and applicable earlier records; the absence of a clause here does not establish permission.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.

Can I keep or stay in an RV or camper?

Confirm current terms

The reviewed 2026 declaration does not establish a specific RV or camper parking/occupancy rule. Confirm the current guidelines, rules and applicable prior records before relying on a proposed use.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.

When must construction start?

Not verified

A deadline to start construction after purchase was not established from the 2026 declaration. Check the separate current guidelines and the complete governing documents.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792.

When must construction finish?

Not verified

A construction-completion period was not established from the 2026 declaration. The older 2007 completion provision is not presented as a current rule.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate guidelines not reviewed.

Can I rent through Airbnb or VRBO?

Confirm current terms

No express minimum lease term or short-term rental approval was identified in the 2026 declaration. Obtain the separate current rules and applicable earlier records before planning Airbnb or VRBO use; the old 90-day rule is not presented as current.

Stillwater Coves amended declaration · Reviewed 2026 declaration, pp. 5773–5792; separate current rules not reviewed.

What other rules should I know?

Document summary

The 2026 declaration allows prospective purchasers to request inspection of current documents and the latest prepared financial statement. Use that process to establish the complete current requirements.

Stillwater Coves amended declaration · §3.11 · Deeds Book 2026, p. 5782 · PDF page 10

All 20 recorded-preview pages reviewed and the instrument confirmed in the official index. Separate architectural guidelines, bylaws and current rules were not reviewed. Earlier 2007 size, rental and construction provisions are not presented as current rules; their interaction with the new declaration remains unresolved. Research checked 2026-10-31.

Neighborhood features

• The 2026 declaration describes ownership-linked association membership and association governance. The current bylaws, architectural guidelines and operating rules remain necessary parts of the document set.

  Stillwater Coves amended declaration · §§2.16, 2.22–2.23 and 3.01 · Deeds Book 2026, pp. 5776–5777 · PDF page 4

Building and ownership notes

The available document copies state:

• Proposed improvements, construction and site changes are governed by an architectural-review process and separate Architectural Guidelines and Requirements; building sites require prior written approval.

  Stillwater Coves amended declaration · §§2.02, 2.08 and 6.01–6.02 · Deeds Book 2026, pp. 5775 and 5786 · PDF page 14

• The declaration provides for annual, special and default assessments. It states $150 per residential lot annually as of October 28, 2026, with adjustment procedures; confirm the current amount and any additional assessments with the association.

  Stillwater Coves amended declaration · §§4.01 and 4.06 · Deeds Book 2026, pp. 5782 and 5784–5785 · PDF page 10

• Prospective purchasers may request inspection of the current documents and the latest prepared financial statement under the declaration.

  Stillwater Coves amended declaration · §3.11 · Deeds Book 2026, p. 5782 · PDF page 10

Recorded document trail

• The official index confirms the new 2026 amended declaration and its recorded pages. The document has its own amendment procedures; this review does not establish the absence of later changes.

  Stillwater Coves amended declaration · 209750 · Deeds Book 2026, pp. 5773–5792 · October 28, 2026
  Winston County probate record search · 209750 · Deeds Book 2026, pp. 5773–5792 · October 28, 2026

• The original declaration is separately indexed. This earlier record is an archive trail, not the source for current size, lease or construction rules in this guide.

  Winston County probate record search · 68739 · Deeds Book 270, pp. 936–960 · recorded June 11, 2007

Questions for the exact property

• Can the association supply the current architectural guidelines, bylaws, operating rules and latest financial statement?
• What annual or special assessments and road-maintenance obligations apply to this lot now?
• What recorded lake-access, shared-slip or dock rights accompany this particular lot?
• What water service, septic approvals and buildable-area constraints apply to 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.