Loveland, CO HOA Rules: CC&R Enforcement (2026)

Section 18.01.02.08 of the Loveland Unified Development Code states plainly that the UDC "is not intended to abrogate or annul any easement, covenant, or any other agreement related to the use or development of land" that predates the code's effective date, and that the UDC "does not change or override private restrictions on property." A parcel governed by an HOA's CC&Rs is reviewed by the City the same way as any other parcel: the City applies zoning, setback, landscaping and other UDC standards regardless of what the private covenants say.

Critically, the City of Loveland carries no obligation to police HOA restrictions. The code states the City "has no duty to search for the existence of private restrictions on property" when reviewing development applications, and "will enforce only its own regulations and agreements to which it is a party or has an interest." If a City zoning approval or rezoning happens to conflict with a subdivision's private covenants, that approval is not treated as an interpretation of the covenants, and a property owner who obtains a City permit inconsistent with recorded CC&Rs does so at the risk that a neighbor or the HOA itself may sue to enforce the private restriction in civil court.

The code goes on to say the City "will not generally seek to enforce private restrictions," and will step in only in the narrow case where the City itself is a party to the covenant or holds an explicit enforcement right, the City Council or City Manager determines that enforcement serves the City's interest as a whole, and the City would likely have legal standing to sue. Outside that narrow lane, an HOA that wants a violation of its architectural, fencing, or landscaping covenants stopped must pursue its own civil remedy under Colorado's Colorado Common Interest Ownership Act and the HOA's recorded declaration; it cannot call Loveland's code enforcement division to compel compliance with a private covenant that has no counterpart in the UDC itself.