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Hello Neighbors! 
Welcome to our Fall Newsletter! Our newsletters provide our homeowners with reminders and new information regarding our neighborhood.  Highlights this issue: January Annual Dinner and New Street Flag design ideas. 
The Cowan’s Ford HOA Annual Meeting will be held at Cowan’s Ford Golf Club on Tuesday, January 14, 2020 at 6:30 pm.  This will be a sit-down dinner.  An Annual Meeting Notice will be emailed to property owners in early December, with an online RSVP requested.  There is a seating capacity of 93 people in the Banquet Room, therefore the first 93 to respond will be seated.
NEW STREET FLAGS: Sharon Ryan (Welcoming Committee Chair) is looking for volunteers to help create a new flag design for our light poles.  The flag will be used from mid-January (after the Christmas wreaths are removed), until the American flags are installed in mid-May.  We are open to all ideas and look forward to hearing from you.  If you are interested, please contact Sharon Ryan at saryan1122@charter.net.
Soon it will be 2020 and time for the Cowan’s Ford Homeowners Dues statements. Please help us ensure that you receive your statements on time. Please go to CowansFordHOA.Com, click on ‘Update Your Profile’ and scroll down to review the information shown. If you make any changes, please scroll to the bottom of the page and click on ‘Submit’.  Remember, allow time for updates to be posted.
As always, we will be distributing statements at the Cowan’s Ford HOA meeting in January 2020. Statements can also be emailed or mailed to you as long as we have the correct address. If you are unsure or if you have a balance, you can contact the Treasurer through the CFHOA website or directly by phone or text through 704-651-2452.
A reminder that a Capital Contribution Fee of $180.00 is required from all buyers of real property (land) and all structures (improvements or fixtures) integrated with or affixed to the land at the time of closing. The fee is payable to the Cowan’s Ford Homeowners Association.
Top One and Two Violations:
1. Trash and recycle receptacles:
As stated in our HOA Covenants, “All garbage shall be stored within the residence of each Owner, and no Owner may change or supplement the garbage disposal facilities (if any) provided for such Owner’s residence on the date of completion of construction thereof unless the Board of Directors of the Association shall first approve in writing the change or addition to the method of storage.” This means that trash and recycle receptacles must be kept inside the homeowner’s structure/garage, unless other storage means have been approved by the ARC.
2. Vehicles and Parking:
As stated in our Covenants: “There shall be no parking on any street, public or private, except where specifically designated by the Association. Parking is permitted in conjunction with each Lot only within the driveway serving said Lot. No truck shall be parked for storage overnight on any Lot so as to be visible to the occupants of other Lots, the users of any streets, or from any Common Area. No boats, motor home, travel trailer or other recreational vehicle may be stored overnight on any lot unless visually screened from adjacent Street or lots.” This includes all trailers even if they do not have a jet ski, boat, lawn equipment on them.  For these top two violations, the ARC will send out warning letters, followed by fines.
Home Projects/Landscaping:
Any change to the outside of your home needs HOA/ARC approval. Roof, external color, patio’s, decks, adding major trees and shrubs, removing trees and shrubs, driveways, etc. Check our website for the answers to your questions and all the forms that you need. This is also where the by-laws and covenants can be located. (www.cowansfordhoa.com). 
If you plan to lease your property, the HOA requires completion and submission of the Leasing Form, which can be found on the Cowan’s Ford website.
To report a street lamp light bulb outage, please contact Duke Energy at 800-777-9898, providing them with the light number located on the pole. The HOA is not responsible for replacement.
Our HOA website can be found at www.cowansfordhoa.com.  Our HOA Covenants, By-laws, forms needed for home improvements, leasing forms and guidelines, Board members, Board meeting minutes, newsletters, and our homeowners’ Directory can all be found on our website. 
If you are walking your pets, please carry a plastic bag for waste pickup.
Please be aware that you may NOT WALK on the golf course or cart paths at any time with or without your pets. The golf course and cart paths are private property.
The HOA recommends the mailbox listed below, or the same mailbox from another vendor, for Cowan’s Ford CC HOA Phases I, II, and IV.  This mailbox is already a requirement for Cowan’s Ford CC HOA Phase III.  Mailbox vendor information: Watson Welding Company      Model: Providence Crossing
                Phone: 704-821-7140       Email: https://www.watsonsteelandiron.com/mailboxes.php
QUESTIONS/CONCERNS: should you ever have any questions or concerns, you may direct them to the CFHOA BOARD through our website, www.cowansfordhoa.com, using the ‘Contact Us’ area.  We look forward to hearing from you.
Thank you,
The Cowan’s Ford Homeowners Association Board 2019
President: Darren Smith
Vice-President: François Destrée
Treasurer: Jim Konieczny
Secretary: Debbie Jesse
ARC: John Gary
Welcome Committee/Past President: Sharon Ryan