I Bought a Lake Cabin Outside the HOA — So I Closed the Only Road Their HOA Uses

I Bought a Lake Cabin Outside the HOA — So I Closed the Only Road Their HOA Uses

Chapter 9

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For almost an hour he read without performing certainty. He traced the road on the survey, compared the dates of the old aerial photographs, and examined the association letters beside the recorded instruments. He called the county office while I sat there to confirm an indexing detail. Only then did he put down his pen.

"You have a strong argument that the road belongs to you and that the HOA cannot impose its general assessments on a parcel outside its covenants," he said. "But I want to be careful with the language. A missing recorded easement doesn't automatically defeat every possible claim to access. We have to consider how the route has been used, whether anybody ever gave permission, and whether any legal right could have arisen in some other way."

I told him Gerald had never agreed to permanent use. Roberts nodded, but did not treat that statement as a substitute for analysis. He explained that North Carolina recognizes certain access rights that can arise from long use, subject to demanding proof, and that claims based on necessity or prior land ownership depend on their own facts. The development had a functioning southern entrance, and its connection over my land appeared to have existed for roughly fifteen years, which undercut the theories most likely to be raised.

"What about the eight hundred and fifty dollars?" I asked.

"Even if they establish a right to pass over part of your land, that does not automatically make you an HOA member or subject your whole property to their declaration," he said. "Those are different questions. They have been treating them as one because it makes their letters sound stronger."

"So what do I do?"

"First, we ask them to identify every document and legal theory they're relying upon. Second, we obtain a current boundary survey. Third, we give them formal notice that you dispute the claimed right and the assessment. And we don't barricade the road while forty-seven households believe they can use it. That would create a safety problem and turn the story against you before the legal facts are established."

I felt a little embarrassed because a part of me had indeed considered parking my truck across the road. I had imagined Amber arriving in her golf cart and finding the passage blocked, her assumptions converted into a physical inconvenience. It had been an appealing daydream, but Roberts was right. Emergency vehicles and innocent residents had no business paying the price for my anger.

He drafted a cease-and-desist and preservation letter that afternoon. It challenged the assessment, demanded proof of the claimed easement, disputed further unauthorized alterations, and requested that the association stop representing my land as its property while we investigated. It allowed time for a response and invited a negotiated solution without conceding that the HOA had any right to use the route.

"The goal," Roberts said as I signed the engagement papers, "is not to make people afraid of your land. It's to make them respect the difference between a right and an assumption."

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I Bought a Lake Cabin Outside the HOA — So I Closed the Only Road Their HOA Uses

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