Concord, NC HOA Rules: Assessment & Dues (2026)

13 of the Development Ordinance, lets a developer meet density and open-space goals by clustering homes and preserving the remainder as protected open space. 7 governs who owns and maintains that open space and the common facilities that go with it, offering four alternatives: a homeowners association, a nonprofit conservation organization, public dedication to the City, or an individual using the land for open space or agriculture. When the developer picks the homeowners association route, Sec. 7(B) requires that the association actually be established, that membership be mandatory for every home purchaser in the development and their successors, and that the association's bylaws and its declaration of covenants, conditions and restrictions be submitted to the City for approval as part of the preliminary plat package, before lots can be sold.

Those governing documents must include eight specific items, and item 5 is the assessment mechanism: a mechanism to assess and enforce the common expenses for the land or facilities, including utility systems, private roads and other public or quasi-public improvements, upkeep and maintenance expenses, real estate taxes and insurance premiums. In practice this means the HOA's CC&Rs must spell out how dues are levied and collected and what happens when an owner doesn't pay, covering everything from private road upkeep to insurance on the shared open space, before the City will approve the subdivision.

The requirement sits alongside separate items in the same subsection covering the legal description of the common land, who can enforce the restrictions, and how disputes among owners get resolved.