The Peninsula on Smith Lake

What to compare in The Peninsula

Think about how you will use the property across the seasons. Compare view orientation, outdoor gathering space, shoreline access, and maintenance needs. Confirm neighborhood rules and property-specific dock records before relying on a feature.

Your neighborhood questions, answered

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

The original August 29, 2002 declaration, instrument 27148, Deeds Book 245, pages 441-462, identifies Phase One Lots 1-14, survey reference 020001. It allows later additions, which are not verified for every matching listing. Article VI also incorporates separately recorded restrictions as amended. The known 2004 assessment amendment does not establish current rental permission or complete the amendment chain.

Is there an HOA, and what does it cost?

Confirm current terms

The reviewed Phase One declaration provides for annual and special association assessments. A 2004 amendment changes the declarant exemption; current owner dues and any special charges still need confirmation.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, pp. 444–446, article II, sections 2–3; instrument 45965, Deeds Book 255, p. 226 · document page 4
The Peninsula 2004 assessment amendment · Instrument 27148, Deeds Book 245, pp. 444–446, article II, sections 2–3; instrument 45965, Deeds Book 255, p. 226 · document page 4

What neighborhood amenities are available?

Not verified

Current shared amenities and the offered lot’s rights to use them have not been verified. Confirm any park, playground, pool, clubhouse, ramp or other facility in writing.

What size home can I build?

Document summary

The reviewed Phase One declaration specifies at least 1,200 square feet of above-ground living space, excluding porches, carports and garages. Multistory dwellings require at least 900 square feet on the first above-ground level. Confirm the offered lot’s phase and later documents.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, p. 454, Minimum Dwelling Size, paragraphs (a)–(b) · document page 14

What styles and plans need approval?

Document summary

The declaration requires architectural committee review of construction and exterior improvements. Tree removal has approval requirements with specified building-site and dwelling-proximity exceptions.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, pp. 451–453, article V, paragraphs (a)–(f) · document page 12

Are manufactured or mobile homes allowed?

Document summary

The reviewed declaration excludes mobile, modular and temporary structures as residences. Confirm how the current documents apply to the specific proposed home and offered lot.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, p. 457, Temporary Structures, paragraph (a) · document page 17

Can I keep or stay in an RV or camper?

Not verified

RV or camper occupancy and storage rules have not been verified. Obtain written requirements for the intended use and length of stay.

When must construction start?

Not verified

A deadline to begin construction after buying the lot has not been verified.

When must construction finish?

Document summary

Dwelling construction must finish within 12 months after commencement under the reviewed declaration unless the committee gives prior written approval. Confirm later changes and lot applicability.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, p. 457, Temporary Structures, paragraph (b) · document page 17

Can I rent through Airbnb or VRBO?

Not verified

Current rental terms, minimum stays and Airbnb or VRBO eligibility have not been verified. Check the current recorded and association rules for the exact property.

What other rules should I know?

Document summary

The original declaration identifies Phase One Lots 1–14 and permits later additions. Dock and shoreline work require the stated Alabama Power permission and committee approval; the document is not proof that a particular lot already has a dock permit.

The Peninsula Phase One recorded declaration · Instrument 27148, Deeds Book 245, p. 441 and pp. 459–460, Boathouses and Piers · document page 19

The original 22-page document was read in the official watermarked preview. Later annexations, separate restrictions, amendments and the offered lot’s current rental terms remain unresolved; no lot-specific clearance is implied. Research checked 2026-10-31.

Building and ownership notes

The available document copies state:

• The reviewed 2002 declaration limits covered lots to residential use and one single-family dwelling, with common-area and committee-approved detached-building provisions.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, p. 454, Land Use and Building Type, (a)-(c) · document page 14

• It specifies at least 1,200 square feet of above-ground living space excluding porches, carports and garages; multistory dwellings must have at least 900 square feet on the first above-ground level.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, p. 454, Minimum Dwelling Size, (a)-(b) · document page 14

• Construction and exterior improvement plans require architectural committee review. Tree removal has approval requirements with specified building-site and dwelling-proximity exceptions.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, pp. 451-453, article V, (a)-(f) · document page 12

• The document excludes mobile, modular and temporary structures as residences. Dwelling construction must finish within 12 months after commencement unless the committee gives prior written approval.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, p. 457, Temporary Structures, (a)-(b) · document page 17

• The dock and shoreline provisions require the stated Alabama Power permission and architectural committee approval. They do not establish that an offered lot already holds a dock permit.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, pp. 459-460, Boathouses and Piers, (a) · document page 19

• The declaration provides for annual and special assessments. A reviewed 2004 amendment changes the declarant assessment exemption; current owner dues are not established here.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, pp. 444-446, article II, §§2-3; 45965 · Deeds Book 255, p. 226 · document page 4
  The Peninsula 2004 assessment amendment · 27148 · Deeds Book 245, pp. 444-446, article II, §§2-3; 45965 · Deeds Book 255, p. 226 · document page 4

Recorded document trail

• The original identifies Phase One Lots 1-14 and allows later additions. Article VI references separately recorded restrictions as amended; the full current document chain is still needed.

  The Peninsula Phase One recorded declaration · 27148 · Deeds Book 245, pp. 441-462; scope p. 441 and article VI p. 460 · document page 1

• The reviewed 2004 amendment changes a declarant assessment provision. It does not establish rental permission or current owner dues.

  The Peninsula 2004 assessment amendment · 45965 · Deeds Book 255, p. 226 · recorded November 2, 2004 · document page 1

Questions for the exact property

• Does the offered lot fall in Phase One Lots 1-14 or a later recorded addition, and which documents apply?
• What current recorded provisions and association rules govern the intended rental use?
• What current architectural requirements, assessments and dock approvals apply to this property?

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.