The Retreat at Eagle Cove on Smith Lake

What to compare in The Retreat at Eagle Cove

Original four-lot scope, mobile/manufactured-home restrictions, the extended RV/camper limit and the questions still open about current fees, amenities, construction and rentals.

Verify the exact lot before matching a listing

The recorded guide describes the original lot group. Its connection to current MLS listings has not been established; a similarly named subdivision is not a verified match.

Your neighborhood questions, answered

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

The Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove, recorded November 9, 2023 at Walker DML Book 2767, pages 181–185. Its stated scope is original Lots 1–4, referring to Plat Book 11, page 24. Exhibit A identifies land in Section 36, Township 12 South, Range 6 West and expressly references Lewis Smith Lake.

Is there an HOA, and what does it cost?

Confirm current terms

The complete copy does not identify an HOA, dues or assessment schedule. This does not establish that there is no current association or charge. Request current dues, special assessments and road-maintenance responsibilities for the offered lot.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Complete declaration · DML Book 2767, pp. 181–182 · PDF page 2

What neighborhood amenities are available?

Not verified

A shared park, playground, pool, gate, boat launch, community dock or slip entitlement is not established by this copy. Confirm actual facilities, operating status and the offered lot’s access rights.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Complete declaration and Exhibit A · DML Book 2767, pp. 181–185 · PDF page 3

What size home can I build?

Confirm current terms

The copy restricts residential use but does not state a numerical minimum dwelling area or a complete dwelling-type rule. This is not proof of no minimum size or permission for modular, tiny or barndominium construction.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 4 and complete declaration · DML Book 2767, pp. 181–182 · PDF page 1

What styles and plans need approval?

Document summary

The recorded addition/accessory rules require consistent or matching/blending exterior materials. No general architectural committee or plan-submission process is established in this copy; confirm current approval requirements before ordering a home or addition.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 5 · DML Book 2767, p. 181 · PDF page 1

Are manufactured or mobile homes allowed?

Document summary

The reviewed copy prohibits mobile homes and manufactured homes. Verify that the offered lot is within the original recorded scope and check later changes.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 2 · DML Book 2767, p. 181 · PDF page 1

Can I keep or stay in an RV or camper?

Document summary

RVs, campers and other temporary living structures may not remain on the lots for periods longer than 14 consecutive days under the source. Storage versus occupancy, cumulative stays and current approvals are not fully resolved; this is not blanket short-stay permission.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 3 · DML Book 2767, p. 181 · PDF page 1

When must construction start?

Not verified

No purchase-to-start deadline is stated in the supplied complete declaration. Later instruments and property-specific obligations have not been verified.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Complete declaration · DML Book 2767, pp. 181–182 · PDF page 2

When must construction finish?

Not verified

No construction-completion period is stated in the supplied complete declaration. Confirm current documents and approval conditions for the offered lot.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Complete declaration · DML Book 2767, pp. 181–182 · PDF page 2

Can I rent through Airbnb or VRBO?

Confirm current terms

The residential-use clause excepts residential rental or lease from the commercial-use restriction, but gives no minimum stay or complete current short-term-rental policy. Airbnb or VRBO permission has not been verified.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 4 · DML Book 2767, p. 181 · PDF page 1

What other rules should I know?

Document summary

The covered lots may not be further subdivided; propane/gas tanks must be buried and not visible from road or water. The property-care clause does not itself prohibit boat storage in a boathouse or on a lot, but it grants no dock or boathouse construction approval.

Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provisions 1 and 6–7 · DML Book 2767, pp. 181–182 · PDF page 2

All five supplied pages were visually read. This is a summary of that stamped copy, not confirmation of the current amendment chain or the rules for an offered parcel. Current fees, amenities and complete rental permissions remain unverified. The recorded lots have not yet been tied to current MLS records; unmatched inventory is not a report of zero properties or sales. Research checked 2026-11-01.

Neighborhood features

• Exhibit A identifies original Lots 1–4 in Walker County and includes calls along the 510-foot contour of Lewis Smith Lake. These legal descriptions do not establish current dock depth, dock permission or shared amenities.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Exhibit A · DML Book 2767, pp. 183–185 · PDF page 3

Building and ownership notes

The available document copies state:

• The declaration prohibits further subdivision of the covered lots.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 1 · DML Book 2767, p. 181 · PDF page 1

• Mobile homes and manufactured homes are prohibited in the reviewed copy. Confirm the offered parcel and any later recorded changes.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 2 · DML Book 2767, p. 181 · PDF page 1

• Recreational vehicles, campers and other temporary living structures are prohibited on the lots for periods longer than 14 consecutive days. This is not blanket permission for RV occupancy or proof of an annual or reset allowance.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 3 · DML Book 2767, p. 181 · PDF page 1

• Lots are restricted to residential purposes. The commercial-use clause excepts residential rental or lease and prohibits business-advertising signs; it does not supply a complete current short-term-rental policy.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 4 · DML Book 2767, p. 181 · PDF page 1

• Added living spaces must use exterior finishes consistent with the original home and matching or blending materials or colors. Garages and storage buildings use similar materials; their metal siding must match or blend.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provision 5 · DML Book 2767, p. 181 · PDF page 1

• Propane or gas tanks must be buried and not visible from the road or water. The property-care clause addresses debris and nuisance waste.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Provisions 6–7 · DML Book 2767, p. 182 · PDF page 2

Recorded document trail

• Use the exact title and Walker DML Book 2767, pages 181–185 to find the declaration. It refers to Plat Book 11, page 24. The referenced plat, official index match and later amendments still need review.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Recorded November 9, 2023 · DML Book 2767, pp. 181–185; Plat Book 11, p. 24 · PDF page 1
  Walker County probate record search · Recorded November 9, 2023 · DML Book 2767, pp. 181–185; Plat Book 11, p. 24 · PDF page 1

• The document covers original Lots 1–4. That scope has not yet been tied to current MLS properties. Current listings and recent-sale figures are withheld until the original-lot relationship is verified; an empty result would not establish that no properties or sales exist.

  Declaration of Covenants, Conditions and Restrictions for The Retreat at Eagle Cove · Original-lot scope and Exhibit A · DML Book 2767, pp. 181 and 183–185 · PDF page 3

Questions for the exact property

• Does the offered parcel match an original Lot 1–4 on Plat Book 11, page 24 and the declaration’s Exhibit A?
• What later recorded amendments, deed provisions and current association or architectural requirements apply to this exact parcel?
• Who maintains the access road, and are there current dues, transfer fees, assessments or shared-facility charges?
• What written rules and public approvals apply to the intended rental, home type or RV/camper use?
• What utilities, wastewater approvals, survey, dock records and shoreline permissions are available for this lot?

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.