Cowlic HOA Rules: CC&R Enforcement Rules (2026)

Arizona is one of the most HOA-regulated states in the country, and Pima County has hundreds of planned communities governed by CC&Rs. The Arizona Planned Community Act (ARS 33-1801 et seq.) establishes the legal framework for HOA authority, including assessment collection, architectural review, and enforcement actions. ARS 33-1803 requires associations to provide governing documents to purchasers. ARS 33-1242 limits late fees to the greater of $15 or 10% of the past-due assessment. HOA boards can file liens for unpaid assessments under ARS 33-1807, and Arizona law allows non-judicial foreclosure on assessment liens after proper notice. The Arizona Department of Real Estate handles complaints against HOAs that violate the Act. Pima County itself does not regulate HOA operations but county courts hear disputes that escalate beyond ADRE. Common CC&R provisions in Pima County subdivisions address desert-compatible landscaping, exterior paint colors, RV and boat storage, and solar panel placement. ARS 33-1816 prohibits HOAs from banning solar energy devices, and ARS 33-1808 protects the right to display the American flag.