The CFCC-HOA Board is a volunteer HOA board. Because of this, the dues for our HOA are able to remain at the very low cost to homeowners of $176 annually. These annual dues would be much higher if we had to outsource the HOA functions. This year, the positions of President, Treasurer, and ARC Chair are up for election. 

 

 

The Board typically meets the first Tuesday of every month at 6:00pm, at Cowan’s Ford Golf Club. Meetings usually last less than one hour. There is also an Annual Meeting/Dinner each year, on the second Tuesday of January.

 

HIGHLIGHTED ARTICLES IN THE REST OF THIS ISSUE ARE UNDERLINED BELOW: 

 

We recently completed the replacement of all streetlights in the neighborhood in partnership with Duke Energy, bringing consistent and better lighting to our streets! We are now contacting our vendors to confirm our options for returning the flags and wreaths to the poles in the future. 

 

Lincoln Country recently updated their Peddlers and Solicitors Ordinance. The No Soliciting signs located at the top of each street at Club Drive are no longer enforceable.  Instead, the new ordinance requires homeowners to post a sign on their property to be enforceable.  The HOA will provide options of acceptable No Solicitation signs each homeowner may purchase to post on your property along with instructions on locations for posting.  If you choose not to post a sign and are approached by people looking to replace your roof, install pine straw or other maintenance activities at your home, the ordinance does require each solicitor to have an individual permit which must be provided upon request.   

 

Homeowners in our HOA can conveniently pay their annual dues online using Zelle. We initiated this type of payment for 2025 dues.  It was very well received and used by many homeowners.  We encourage you to use this form of payment as it reduces the workload of receiving and depositing checks.  This secure payment option allows for quick and easy transactions directly from your bank account to ours. To use Zelle, simply log in to your banking app, select Zelle, and send your payment to cowansfordhoa@gmail.com. Please ensure you include your name, address and lot number in the notes section for proper credit.

 

You will be receiving an invoice for your annual dues the first week of January 2026. This invoice will come to you by email through QuickBooks online from Cowan’s Ford HOA. Please let us know if you need to update your email address to insure receiving your statement.

 

Operating Procedure for Paying HOA Dues via Zelle:

1. **Log In to Your Banking App**: Open the mobile banking application associated with your bank that offers Zelle.

2. **Select Zelle**: Navigate to the Zelle feature within your banking app.

3. **Initiate Payment**: Choose the option to send money.

4. **Enter Recipient Information**: Input the HOA’s Zelle email cowansfordhoa@gmail.com , Choose business, Business name is Cowans Ford HOA.

5. **Specify Payment Amount**: Enter the amount for your HOA dues.

6. **Add a Note**: Include your name, address and lot number in the notes section to ensure accurate processing of your payment.

7. **Review and Confirm**: Double-check the details of your payment before confirming.

8. **Keep a Record**: Save the confirmation for your records.

 

For any questions or assistance, please feel free to reach out to the HOA treasurer, Karen Sennett, at

cowansfordhoa@gmail.com.

 

The Cowan’s Ford HOA Annual Membership Meeting and Dinner will be held at Cowan’s Ford Golf Club on Tuesday, January 13, 2026 at 6:30 pm. 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 Club Room, therefore the first 93 to respond will be seated.

 

We extend a warm welcome to the neighborhood to the new homeowners who have moved in since our Spring Newsletter: Hank and Miki Gorga, John Hass II and Merry Gregg, Donald Gelnaw, Aeron and Bob Plooy. 

 

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. 

 

Our community looks great! The new LED light poles and fixtures are finally operating as planned.  Thanks for your patience and apologies to those of you that had your lawns impacted.  

 

The HOA and ARC appreciate the continued improvements and maintenance of your property. The ARC goal has been, and will continue, to provide a response to you within 3-5 business days. 

 

Please review the ARC documents when you plan improvements or changes to your property.  Most projects require approval from the ARC. The approval process is very simple, download and complete the ARC short form from our HOA website.  Submit the form and someone from the ARC will reach out to visit and discuss the changes.  We have a very high approval rate, just ask your neighbors!

 

Also, thanks for submitting the appropriate forms for improvements around your property.  Check our website for the answers to your questions and all the forms needed (www.cowansfordhoa.com).  Call if you have any questions.  John Forlidas 704 779 6981

 

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 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, or online via: https://salor-web.duke-energy.app/#/home/map . The HOA is not responsible for light bulb replacement. 

 

To report a street pothole repair to the NCDOT online, go to: https://www.ncdot.gov/contact/Pages/default.aspx. 

 

If you are walking your dog in the neighborhood, please carry a plastic bag for waste pickup. Cat owners, please be aware of cats roaming off your property and using your neighbor’s yard for waste. Lincoln County has recently passed ordinances relating to pets, including leash laws, noise, and general nuisance provisions. Please be mindful of your pets’ behavior and be respectful of your neighbors. 

 

The Cowan’s Ford Golf Course and cart paths are private property of the golf course, which is separate from the HOA, and it is trespassing for anyone other than registered golfers to be on the course. 

 

Please remember that the Duke Energy dike area is private property. Duke Energy is proud to be a neighbor of Cowan’s Ford homeowners and Golf Club, however, if access is abused Duke may be forced to eliminate

access to the dike area to the public. If you walk your dog(s) on the Duke Energy dike property, PLEASE pick up your dog waste immediately (leave no trace).  In addition, Duke Energy does not allow any motorized vehicles (golf carts included), to be driven on the dike area.

 

 

In 2018, the Lincoln County Board of Commissioners established the ‘Lincoln County Golf Cart Ordinance’. The ordinance was revised on May 6, 2019. More homeowners, in our HOA and others, are using personal golf carts and may not be aware of this ordinance.  The revised ordinance can be found on the Lincoln County website.  https://codelibrary.amlegal.com/codes/lincolncounty/latest/lincoln_nc/0-0-0-6808#JD_71.03 

 

Mailbox Recommendation for CFCC-HOA Phases I and II is the ‘Providence Crossing’ model by Watson Welding Company (704-821-7140) https://www.watsonsteelandiron.com/mailboxes.php, or like model by another vendor.  This mailbox is already a requirement for CFCC-HOA Phase III, IV, and St. Andrews (extension).   

 

QUESTIONS/CONCERNS: If you have any questions or concerns, you may direct them to the CFCC-HOA BOARD through our website, www.cowansfordhoa.com, using ‘Contact Us’.  We look forward to hearing from you. 

 

Thank you,