White Oak Ridge on Smith Lake

What to compare in White Oak Ridge

Architectural review, dwelling size, construction timing and lot-specific ramp, road and shoreline rights.

Your neighborhood questions, answered

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

The 2023 declaration identifies original Lots 1–13 on survey reference 211026-14 and expressly names the Lewis Smith Lake shoreline. Instrument 192195 is recorded at Winston Deeds Book 365, pages 226–240. The original plat is separately indexed at Plat Book 3, pages 301–304; a later resurvey concerns Lots 12 and 13.

Is there an HOA, and what does it cost?

Confirm current terms

The declaration provides for association membership, annual assessments, adjustments and special assessments. Obtain today’s dues, any road/gate special assessments and the lot’s account statement; the original 2023 amount is not quoted as current.

White Oak Ridge recorded declaration · Articles II–III · Deeds Book 365, pp. 229–232 · PDF page 5

What neighborhood amenities are available?

Confirm current terms

The declaration describes an owner boat ramp, one guest at a time, no trailer parking on the ramp, an automatic gate and private roads. Verify which facilities are operating, the offered lot’s access and current maintenance charges; pools, playgrounds and a clubhouse have not been verified.

White Oak Ridge recorded declaration · Article V, Land Use (e) / Automatic Gate Operator · Deeds Book 365, pp. 234 and 237 · PDF page 12

What size home can I build?

Document summary

The copy states 2,000 square feet of above-ground single-level living space, excluding porches, carports and garages, without committee approval otherwise. Multistory homes separately need 1,000 square feet on the first above-ground level unless approved otherwise. Confirm how these provisions apply to the actual plan.

White Oak Ridge recorded declaration · Article V, Minimum Dwelling Size (a)–(c) · Deeds Book 365, p. 235 · PDF page 10

What styles and plans need approval?

Document summary

The architectural committee reviews construction, improvements and landscaping through the written plan-review process. The clause includes submission details and a response procedure; obtain the current committee’s requirements before work.

White Oak Ridge recorded declaration · Article V, Architectural Control (a)–(f) · Deeds Book 365, pp. 233–234 · PDF page 8

Are manufactured or mobile homes allowed?

Confirm current terms

The temporary-structure clause specifically excludes a modular home as a residence. The complete current classification and requirements for a proposed manufactured or mobile home need confirmation; the motorhome/travel-trailer construction exception is separate.

White Oak Ridge recorded declaration · Article V, Temporary Structures (a) · Deeds Book 365, p. 236 · PDF page 11

Can I keep or stay in an RV or camper?

Document summary

One motorhome or one travel trailer may be used by the owner or builder to assist home construction under the stated exception. A septic tank is required for living in it; a unit over ten years old needs committee approval, and even approved units may not stay longer than 18 months. Other parking/storage restrictions also apply.

White Oak Ridge recorded declaration · Article V, Temporary Structures (a) / Storage and Parking · Deeds Book 365, p. 236 · PDF page 11

When must construction start?

Not verified

No deadline to begin building after purchase was established in the reviewed declaration. The 18-month dwelling provision measures completion from commencement.

White Oak Ridge recorded declaration · Article V, Temporary Structures (b) · Deeds Book 365, p. 237 · PDF page 12

When must construction finish?

Document summary

Dwelling construction must be completed within 18 months after commencement unless prior written architectural approval provides otherwise. The separate 18-month limit on the construction motorhome/travel trailer is not described as extendable by that dwelling exception.

White Oak Ridge recorded declaration · Article V, Temporary Structures (a)–(b) · Deeds Book 365, pp. 236–237 · PDF page 12

Can I rent through Airbnb or VRBO?

Not verified

A current rental minimum stay or complete Airbnb/VRBO policy has not been established. Architectural control of rental signs is not treated as approval of a rental operation; the referenced separate restrictions and current association rules still need review.

White Oak Ridge recorded declaration · Article V, Architectural Control (a) · Deeds Book 365, p. 233; Article VI · p. 239 · PDF page 14

What other rules should I know?

Confirm current terms

Lots 12 and 13 have special provisions in the declaration and a separately indexed 2024 resurvey. Match the offered parcel to the full plat, resurvey and referenced separate restrictions before relying on subdivision or workshop rights.

White Oak Ridge recorded declaration · Article I · Deeds Book 365, p. 229; Article V, Land Use (c) · p. 234; resurvey 199275 · Plat Book 2024, pp. 5–9 · PDF page 4

All 15 declaration preview pages were visually reviewed and the citation confirmed in the official index. The full original plat, the 2024 Lots 12/13 resurvey, separate restrictions referenced in Article VI, later amendments and current association documents have not been reconciled. No absence of later changes is established. Research checked 2026-10-31.

Neighborhood features

• The declaration describes a private boat ramp for residential owners, allowing one guest at a time and prohibiting boat-trailer parking on the ramp. Confirm present operation and the offered lot’s rights.

  White Oak Ridge recorded declaration · Article V, Land Use and Building Type (e) · Deeds Book 365, p. 234 · PDF page 9

• The declaration describes an automatic gate and private roads, with association gate-maintenance responsibilities. This does not establish that the gate is operating today or that road status has remained unchanged.

  White Oak Ridge recorded declaration · Article V, Automatic Gate Operator (a) · Deeds Book 365, p. 237 · PDF page 12

Building and ownership notes

The available document copies state:

• The dwelling-size provisions state 2,000 square feet of above-ground single-level living space, excluding porches, carports and garages, without committee approval otherwise. Multistory homes separately require 1,000 square feet on the first above-ground level unless the committee approves otherwise. Read the exact plan with the committee rather than assuming one figure applies to every layout.

  White Oak Ridge recorded declaration · Article V, Minimum Dwelling Size (a)–(c) · Deeds Book 365, p. 235 · PDF page 10

• Construction, site improvements and landscaping follow the architectural committee’s written plan-review process, including the stated submission requirements and response procedure.

  White Oak Ridge recorded declaration · Article V, Architectural Control (a)–(f) · Deeds Book 365, pp. 233–234 · PDF page 8

• Dwelling construction must finish within 18 months after commencement unless prior written architectural approval provides otherwise. This is a completion period, not a deadline to begin building after purchase.

  White Oak Ridge recorded declaration · Article V, Temporary Structures (b) · Deeds Book 365, p. 237 · PDF page 12

• The temporary-residence prohibition has a limited construction exception for one motorhome or one travel trailer used by the owner or builder. A septic tank is required for living in it, units over ten years old require committee approval, and even approved units may not remain longer than 18 months.

  White Oak Ridge recorded declaration · Article V, Temporary Structures (a) · Deeds Book 365, p. 236 · PDF page 11

• Listed motorhomes, trailers, boats and similar vehicles are generally restricted to properly constructed garages; the document separately describes the limited construction-residence exception. Confirm the precise parking or occupancy proposal.

  White Oak Ridge recorded declaration · Article V, Storage and Parking / Temporary Structures · Deeds Book 365, p. 236 · PDF page 11

• Boathouses, piers, docks and related shoreline work require the stated Alabama Power permission; individual sewage-disposal systems require approval under applicable health-authority requirements.

  White Oak Ridge recorded declaration · Article V, Sewage Disposal / Boathouses and Piers · Deeds Book 365, p. 238 · PDF page 13

Recorded document trail

• The declaration’s opening identifies original Lots 1–13. Its building-location clause specifically refers to the shoreline of Lewis Smith Lake and the 522-foot flood easement.

  White Oak Ridge recorded declaration · Deeds Book 365, pp. 228 and 235 · instrument 192195 · PDF page 10

• The original plat and the later Lots 12 and 13 resurvey are separately indexed. The resurvey has not been read as a change to the community’s building, rental or use rules.

  White Oak Ridge plat and resurvey index · Original: 192111 · Plat Book 3, pp. 301–304 · February 21, 2023. Resurvey: 199275 · Plat Book 2024, pp. 5–9 · August 12, 2024.

• Article VI references separate restrictive covenants. The declaration also contains special Lots 12 and 13 provisions; those references and the later resurvey require a combined lot-specific review. References to “White Oak Pointe, LLC” name the declarant entity and do not establish a separate subdivision.

  White Oak Ridge recorded declaration · Article I · Deeds Book 365, p. 229; Article V, Land Use (c) · p. 234; Article VI · p. 239 · PDF page 14

Questions for the exact property

• What do the full 2024 resurvey and current deed establish for Lots 12 and 13?
• Can the association supply the separate referenced restrictions, current amendments and architectural review requirements?
• Are the private ramp and gate operating, and what owner/guest access and maintenance charges apply?
• Have any subdivision roads been accepted for public maintenance, and are road or gate special assessments planned?
• What current septic approvals, utility service and Alabama Power shoreline permits support the intended home and dock?

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.