Monday, June 23, 2014

Covenants, Conditions and Restrictions - Northwood Hills Subdivision

(This document represents the Covenants, Conditions, and Restrictions of Northwood Hills Subdivision.  All Amendments have been incorporated into this document for ease of reading and clarification, and are indicated by italics.  The recorded documents include all amendments as separate documents.)

REC:  CONV. BOOK 2378 page 578:tcs


            BEFORE ME, the undersigned authority, duly commissioned and qualified, personally came and appeared:
CLEMENTS & CORLEY, INC., a Louisiana corporation domiciled in Shreveport,  Caddo Parish, Louisiana, appearing herein through and represented by CARL R. CORLEY, Secretary-Treasurer, duly authorized to act herein; hereinafter referred to as “Declarant”,
who declared that:

           Declarant has filed for record in Caddo Parish, Louisiana, the plat of subdivision of NORTHWOOD HILLS SUBDIVISION, a subdivision of Caddo Parish, Louisiana, as per plat recorded under Registry No. 01115006, Conveyance Records of Caddo Parish, Louisiana, consisting of lots numbered 1 through 210, inclusive.  Declarant is the sole owner of the entire tract covered thereby. 

            Declarant hereby subjects said property to the restrictions, covenants and conditions hereinafter stated to enhance and protect the value, desirability and attractiveness of said property.
            All of said property above described shall be owned, held, sold, encumbered, and conveyed subject to the following restrictions, covenants, and conditions, which said restrictions, covenants, and conditions shall be covenants running with the land and binding on all parties having or acquiring any interest in said properties or any part thereof, and shall inure to the benefit of each owner thereof.


            Section 1.  “Association shall mean and refer to Northwood Hills Homeowners Association, Inc., a Louisiana non-profit corporation.
            Section 2.  “Declarant shall mean and refer to Clements & Corley, Inc., its successors or assigns, if such successors or assigns should acquire more than one undeveloped Lot from Declarant for the purpose of development.

            Section 3.  “Lot” shall mean and refer to any regularly subdivided lot of land shown upon any recorded subdivision map of the Properties (as hereinafter defined) filed by Declarant.  The term “Lot shall also include any Resubdivided Lot permitted hereunder.

            Section 4.  “Member” shall mean and refer to every person or entity who holds membership in the Association.

            Section 5.  “Owner” shall mean and refer to the record owner, whether one or more persons or entities of any Lot but excluding those having such interest merely as security for the performance of an obligation.

            Section 6.  “Properties” shall mean and refer to Lots One (1) through Two Hundred Ten (210), Northwood Hills, a subdivision of Caddo Parish, Louisiana.

            Section 7.  “Group I Lots” shall refer to Lots 1 through 63, inclusive.

            Section 8.  “Group II Lots” shall refer to Lots 64 through 210, inclusive.

            Section 9.  “Common Area” shall mean all immovable property (including the improvements thereto) owned by the Association for the common use and enjoyment of the Owners.  The Common Area to be owned by the Association at the time of the conveyance of the first lot is described as follows:

Tract “X,” NORTHWOOD HILLS SUBDIVISION, a subdivision of Caddo Parish, Louisiana, as per plat thereof recorded under Registry No. 01115006, Conveyance Records of Caddo Parish, Louisiana.


Section 1.  “Owners’ Easements of Enjoyment.  Every Owner (except Declarant) shall have a right and easement of enjoyment in and to the Common Area which shall be appurtenant to and shall pass with the title to every Lot, subject to the following provisions:
             (a)    The right of the Association to charge reasonable admission and other fees for the    
                      use of any recreational facility situated upon the Common Area.

(b)   The right of the Association to suspend the voting rights and right to use of the recreational facilities by any Owner for any period during which any assessment against his Lot remains unpaid; and for a period not to exceed 60 days for any infraction of its published rules and regulations.

(c)    The right of the Association to dedicate or transfer all or any part of the Common Area to any public agency, authority or utility for such purposes and subject to such conditions as may be agreed to by the members.  No such dedication or transfer shall be effective unless an instrument agreeing to such dedication or transfer signed by 2/3 of each class of members has been recorded.

Section 2.  Delegation of Use.   Any Owner may delegate, in accordance with the By-Laws, his right of enjoyment to the Common Area and facilities to the members of his family, his tenant, or contract purchasers who reside on the property.


            Section 1.  Membership in Homeowners Association.  Every Owner of a Lot which is subject to assessment and the Declarant, its successors and assigns, shall be a member of the Association.  Membership shall be appurtenant to and may not be separated from ownership of any Lot.

            Section 2.  Voting Membership.  The Association shall have two classes of voting membership:

Class A:  Class A members shall be all Owners, with the exception of the Declarant, and shall be entitled to one vote for each Lot owned.  When more than one person holds an interest in any Lot, all such persons shall be members.  The vote for such Lot shall be exercised as they determine, but in no event shall more than one vote be cast with respect to any Lot. 

Class B:  The Class B member(s) shall be the Declarant, its successors or assigns, and shall be entitled to four (4) votes for each Lot owned.  The Class B membership shall cease and be converted to Class A membership on the happening of either of the following events, whichever occurs earlier:

(a)   When the total votes outstanding in the Class A membership equal the total votes outstanding in the Class B membership, or

(b)  On January 1, 1996 (Third Amendment dated February 15, 1993)


            Section 1.  Creation of Owner’s Personal Obligation for Payment of Certain Charges and Assessments.  The Association is authorized to levy and collect charges and costs assessed by it against each Lot and the Owner thereof as hereinafter provided.  Each Owner, by acceptance of a deed for any Lot or interest therein, whether or not it be expressed in any deed or other conveyance, is deemed to covenant and agrees to pay to the Association costs assessed to Owner of Lots as follows:

(1)   Annual assessments or charges, and

(2)  Special assessments or charges for capital improvements,

As may be fixed, established, and collected by the Association from time to time as hereinafter provided.  Each such assessment or charge, together with twelve percent (12%) per annum interest thereon from the due date until paid, all costs and reasonable attorney’s fees, shall be the personal obligation of the person who is the Owner of the Lot at the time the assessment or charge was made or became due.  This personal obligation for charges already accrued shall not pass to his successors in title unless expressly assume by them. 

            Section 2.  Purpose of Assessments or Charges.  Revenues derived from assessments or charges levied by the Association shall be used exclusively for the recreation, health, safety and welfare of its Members, for improvement and maintenance of the Association’s properties, and for the facilities related to the common benefit of all the Members. 

            Section 3.  Bifurcation of Association Assessments and Charges.  Because of the difference in size and developmental concept of Lots 1 through 61 (“Group I”), as opposed to Lots 64 through 210 (“Group II”), the Association is bifurcated to the extent necessary to allow the Owners of Group I to provide for separate and distinct amenities, dues, assessments and other provisions related to this particular group of Lots.  The Owners of these separate groups of Lots have the right to meet and cast votes as to matters pertaining solely to their group of Lots without reference to the other Lot Owners.  Provided, however, that the Owners of one group of Lots may take no unilateral action affecting the rights, privileges and obligations of the Owners of the other Lots.  Matters affecting all Lots of the subdivision in general shall be dealt with by the Association as a whole.

            A separate accounting system shall be established within the Association in order to properly segregate the assets and liabilities as to each group of Lots.

            Section 4.  Annual Assessments.  Until January 1, 1988, the maximum annual assessment shall be as follows:

            Group I   Vacant Lots, $100.00 per Lot.

            Group I Lots (Improvements under Construction or Completed), $150.00 per Lot.

            Group II   Vacant Lots, $125.00 per Lot

            Group II Lots (Improvements under Construction or Completed), $200.00 per Lot.

            The Declarant, its successors or assigns, shall pay annual dues, but shall have no right to the use of the  Common Area, other than for maintenance purposes.  The Declarant, successors or assigns, is obligated to maintain those vacant lots yet owned by it or the subdivision.  (Includes Third Amendment dated February 15, 1993.)

(a)   Effective January 1, 1988, the maximum annual assessment may be increased each year without a vote of the Members to reflect the rise, if any, in the cost of living experienced in the preceding calendar year as shown by the Consumer Price Index for all Urban Consumers (CPI-U), national average, as published by the U. S. Department of Labor’s Bureau of Labor Statistics (or successor thereto).

(b)  From and after the first day of January, 1988, the maximum annual assessment may be increased above that established by the rise in the cost of living determined as provided in sub-paragraph (a) above, by a vote of the Members.  Members who are delinquent in any amount owed the Association shall not be entitled to vote until such delinquency is paid in full.  Increases above that established by the rise in the cost of living shall have a maximum duration of two (2) years, after which period Members may vote in the manner provided hereinafter to reinstate additional increases, provided that any such change shall have either (i) the written assent of two-thirds (2/3) of the authorized votes of Members in lieu of a formal meeting, or (ii) by majority vote of authorized Members, voting in person or by proxy, at a meeting duly called for this purpose, written notice of which shall be sent to all Members not less than thirty (30) days nor more than sixty (60) days in advance of the meeting setting forth the purpose of the meeting.  The quorum requirement of the meeting is set forth in Section 6 hereinafter.

(c)   After consideration of maintenance costs and future needs of the Association, the Board of Directors of the Association may fix the annual assessment or charge at an amount not in excess of the maximum hereinabove provided.

(d)  Assessments shall be prorated and collected so that all come due and payable uniformly during the month of January of each year.  Upon closing of a sale of a Lot, the Member shall pay his pro rate portion of the remaining year’s assessment to the Association.  Assessments shall also be prorated as to a Lot which was vacant for a portion of an assessment year. 

Section 5.  Uniform Rate of Assessment or Charge.  Both regular and special assessments or charges must be fixed at a uniform rate for all Lots within each Group and shall be collected on an annual basis.

Section 6.  Quorum for any Action Authorized under Section 3.  At the first meeting called, as provided in Section 4(b) hereof, the presence at the meeting of Members (or their proxies) entitled to cast sixty (60%) per cent of all the authorized votes of Members of the Association (or, in a proper case, a Group) shall constitute a quorum.  If the required quorum is not present at any meeting, another meeting may be called, subject to written notice of not less than fifteen (15) nor more than thirty (30) days of the time and purpose of the meeting, and the required quorum at any subsequent meeting shall be one-half (1/2) of the required quorum at the preceding meeting.

Section 7.  Effect of Non-Payment of Assessments or Charges.  Remedies of the Association.  Any assessment or charge which is not paid when due shall be delinquent.  If the assessment or charge is not paid within thirty (30) days after the due date, the assessment or charge shall bear interest from the date of delinquency at the rate of twelve (12%) percent per annum until paid, and may be collected in any lawful manner.  No Owner may waive or otherwise escape liability for the assessments or charges provided for herein by abandonment of his Lot.


Section 1.  Architectural Control Committee.  No building, fence, wall, or other structure shall be commenced, erected, or maintained upon any lot, nor shall any exterior addition to or change or alteration therein be made until the plans and specifications, showing the nature, kind, shape, height, materials and location of the same, shall have been submitted to and approved in writing as to the harmony of external design and location in relation to surrounding structures, topography and tree density by an Architectural Control Committee composed of three (3) representatives initially appointed by Declarant.

The members of the Architectural Control Committee are as follows:

            C. MICHAEL CAPE

            SCOTT SHIRLEY

            DAVID LEGAN.  (Includes Third Amendment Dated February 15, 1993)


And said members of the Architectural Control Committee shall serve until replaced or until new members are designated by Declarant.  The initial address of the Architectural Control Committee is 1324 N. Hearne, Shreveport, Louisiana  71107.

            When Declarant no longer owns property within the subdivision, the Architectural Control Committee shall then be composed of property owners within the subdivision who have been elected by a majority of the lot owners.  Those members shall serve a one-year term or until their successors are designated and the new committee shall, by appropriate written document recorded in the Conveyance Records of Caddo Parish, Louisiana, indicate the new address of the Architectural Control Committee as same may change from time to time.

            A majority of the Architectural Control Committee may appoint a representative to act for it.

            In the event the Architectural Control Committee fails to approve plans submitted to it within thirty (30) days, such approval shall not be required.  Such thirty-day period shall commence to run from the date of receipt of the plans by the Architectural Control Committee.

            Section 2.  Committee Fees.  The Architectural Control Committee may charge a fee for services attendant to approval of plans not to exceed $10 per thousand square feet of total area or fraction thereof.  The Committee may charge a fee of $100.00 per thousand square feet of total floor area, not to exceed $250.00, if plans are submitted after construction has begun.



(1)  Land Use and Building Type.  No Lot shall be used except for single-family residential purposes.  No commercial activity is allowed.  No building shall be erected, altered, placed or permitted to remain on any Lot unless approved by the Architectural Control Committee.  No dwelling shall exceed two and one-half stories in height.  Each dwelling must be provided with an attached carport or garage to accommodate at least two full-sized automobiles.  This restriction shall not operate to prohibit a public or private street or drive being located on Lot 195 and/or Lot 209.

(2)  Dwelling Size.  The minimum floor area for residences located on Group I Lots, excluding exterior storage (attached or detailed), open porches, breezeways, garages and carports, is 1200 square feet.  Any second story area shall contain at least 300 square feet of heated area.  The minimum floor area for residences located on Group II Lots, excluding exterior storage (attached or detailed), open porches, breezeways, garages and carports, is 1800 square feet.  Any second story area shall contain at least 500 square feet of heated area.  Provided, however, that the following lots are excepted from this provision, and, as to the following lots, the minimum floor area for residences, excluding exterior storage (attached or detached), open porches, breezeways, garages and carports, is 1600 square feet.  Any second-story area shall contain at least 400 square feet of heated area.  These excepted lots are as follows:

64, 84, 85, 86, 87, 88, 89, 90, 91, 92, 153, 154, 155, 156, 157, 158, 159, 160, 161, 162, 163, 164, 165, 166, 167, 168, 169, 170, 171, 172, 173, 174, 175, 176, 196, 197, 198, 199, 200, 201.  (Includes Second Amendment dated November 16, 1992)

(3)  Building Location.

a.       Minimum building setback lines as related to the front, side and rear lot lines, are established as follows:


(a)  Front – 25 feet;

(b)  Side – 5.0 feet;

(c)   Rear – 30 feet.


(a)  Front – 40 feet;

(b)  Side – 15 feet;

(c)   Rear – 30 feet.

For the purposes of this covenant, eaves, steps, terraces, patios, swimming pools, walls, fences and open porches shall not be considered as a part of a building; provided, however, that this shall not be construed to permit any portion of the building on a Lot to encroach upon another Lot.  In case of conflict between the setback lines on the recorded plat and these covenants, the latter is to prevail.  Upon application to the Architectural Control Committee and upon a showing of hardship, unusual topography or other warranting condition, it may grant a variance as to any required setback, not to exceed 20% of that required.  No obstruction to visibility at street intersections shall be permitted.

b.      The Owner of continuous Lots may, subject to Architectural Control Committee, disregard the side setback requirement along his common lot line, provided no established or proposed easement is affected thereby.

(4)  Building Materials

a.       The exterior walls (excluding gables, windows and door openings) of all buildings shall contain at least 51% masonry veneer material.  The Architectural Control Committee may reduce this requirement to a minimum of 40% of masonry upon application and a finding by the Committee that such reduction does not violate the continuity of appearance and harmony of exterior design of surrounding residences.

b.      All roof materials must be compatible in color and texture to surrounding roofs.  All roofs shall be constructed of tile, concrete tile, slate, wood shakes, wood shingles, copper metal standing seam or asphalt containing a minimum weight of 340 pounds per 100 square feet.

(5)  Building Design.  Group I Lots are smaller than Group II Lots, and the overall plan of development is that the building design as to Group I Lots is to be more closely uniform than Group II Lots, so as to give a continuity of appearance, shape and color.  These standards shall be applied by the Architectural Control Committee in granting approval of plans in the subdivision. 

(6)  Appurtenant Buildings.  No more than one appurtenant detached building(s) shall be allowed on any Lot.  Any such building shall conform to the main residence  in design and material.  No such building shall be used at any time for human occupancy.

(7)  Grounds.  The Architectural Control Committee may require the retention of certain trees which do not interfere with construction in order to maintain the natural beauty of the area.  Lots continuous to a golf fairway shall not be planted with St. Augustine or Centipede grass unless a physical barrier (such as a cart path) is present to prevent such grasses from encroaching into the fairway.

(8)  Resubdivision of Lots.  No Lot shall be resubdivided into additional lots (resubdivided lots).  However, Lots may be resubdivided so as to decrease the total number of Lots.  No building or structure shall be constructed or permitted on any tract consisting of less than the entirety of one Lot as originally subdivided.  Because of their unique shape and other characteristics, Lots 10, 80, 119, 186, 195 and 209 are excluded from this prohibition. (Includes Amendment dated January 8, 1987.)

(9)  Landscaping.  The yards of all residences must be landscaped, within sixty days of completion of construction, in a manner which is compatible with surrounding residences.

(10)                        Nuisances.  No rubbish or debris of any kind shall be dumped, placed or permitted to accumulate upon the Properties, nor shall any nuisance or odor be permitted to exist or operate upon or arise from the Properties, so as to render any portion thereof unsanitary, unsightly, offensive, or detrimental to persons using or occupying any other portion of the Properties.  Without limiting the generality of the foregoing provisions, no exterior speakers, horns, whistles, bells, or other sound devices, except security and fire alarm devices used exclusively for such purposes, shall be located, used or placed on the Properties.  Any Owner responsible either through himself or his family, tenants, guests, employees or agents, for the creation of any unsightly or unsanitary condition on any portion of the Properties, including the dumping of trash or other debris, and who shall fail to remedy such condition, shall be liable to the Association for the cost of correcting any such condition and such cost shall be added to and become a part of the assessments of such Owner which are next due and payable.

(11)                          Golf Course.  All Members are aware that their Lots and residences are located in proximity to Northwood Country Club golf course.  It is a duty of membership that no activity is to be conducted in the subdivision which detracts from the quality of golf play.  Members are also obligated to deter their families, tenants, guests, invitees and pets from engaging in any activity which will violate this covenant.  Specifically, but without limitation, the following acts are prohibited.

a.       Burning materials which cause excessive smoke to blow onto the golf course;

b.      Excessive noise which detracts from golf play;

c.       Allowing pets to go unleashed onto the golf course.  All Members are aware and take notice of the hazards associated with living near a golf course.  All Members, for themselves, their family, tenants, guests, employees, or any other person on the Property through the authority of the Member hereby assume all risks incident thereto and agree to hold the Declarant, Northwood Country Club, its membership, and all others harmless and indemnify them against any claim for injury to person or damage to property arising out of the golf course activity.

(12)                        Other Structures.  No trailer, detached basement, tent, shack, garage, barn or other outbuilding erected in the subdivision shall at any time be used as a residence, temporarily or otherwise, nor shall any structure of a temporary character be used as a residence.

(13)                        Maintenance.  It is a part of the plan of development that all Properties, together with improvements, be maintained in an attractive condition at all times.  The Association is given the authority to enforce such maintenance.

If a maintenance deficiency is found to exist by the Association, either as to an Owner’s Lot or buildings, a written notice specifying such defects shall be mailed to the Lot Owner by Certified Mail, Return Receipt Requested.  The notice shall give a reasonable time, not to exceed ninety days, for the Owner to remedy the deficiency at the Owner’s expense.  Should the Owner refuse or fail to comply, the Association may employ and pay persons or firms to correct the deficiency, and the cost thereof shall be added to and become a part of the assessments of such Owner which are next due and payable.

(14)                        Livestock and Poultry.  No animals, livestock, or poultry of any kind shall reside, be bred or kept on any Lot, except that dogs, cats or other household pets may be kept, provided they are not kept, bred or maintained for any commercial purposes.

(15)                        Parking – Vehicles.  Trailers, trucks weighing in excess of ¾ ton, buses, campers, boats and recreational vehicles may not be parked on the streets overnight.  No vehicle of any size transporting inflammatory, explosive or other hazardous material, shall be allowed in the subdivision.

(16)                        Signs.  No sign of any kind shall be displayed to the public view on any Lot, except one sign of not more than five (5) square feet, advertising the property for sale or rent, or signs used by a builder to advertise the property during the construction and sales period.

(17)                        Satellite Dish.  No satellite dish may be placed on any Lot without prior written approval from the Architectural Control Committee.

(18)                        Driveways and Walkways.  Driveways and walkways will be constructed of exposed aggregate concrete, brick or flagstone.  The driveway turnout shall be constructed in such manner as to provide an attractive transitional radius from the street into the driveway entrance and shall prevent escape of drainage water from the street onto the lots.  Driveway turnout design shall comply with the City of Blanchard requirements.

(19)                        Mail Boxes.  If curbside mail boxes are required for mail delivery by the U. S. Postal Service, attractive individual designs for mail box holders shall be required by the Architectural Control Committee.  Within the scope of postal service requirements, the mail box holders shall be designed and constructed of materials which harmonize architecturally with the residence, and the standard rural mail box installation on a single post is not permitted.  Designs must be submitted to the Architectural Control Committee for approval, and boxes may not be constructed or erected without the consent of the Architectural Control Committee.

(20)                        Easements.  Easements for the installation and maintenance of utilities and/or drainage facilities are reserved as shown on the recorded plat of the subdivision. 

(21)                        Oil and Mining Operations.  No oil drilling, oil developing operations, oil refineries, quarrying or mining operations of any kind shall be permitted upon or in any lot, nor shall oil wells, tanks, tunnels, mineral excavations or shafts be permitted upon or in   gas shall be erected, maintained or permitted upon any lot.

(22)                        Garbage and Refuse Disposal.  No lot shall be used or maintained as a dumping ground for rubbish.  Trash, garbage or other waste shall not be kept except in sanitary containers.  All trash, garbage or other waste shall be disposed of in accordance with requirements of the City of Blanchard.

(23)                        Fencing.  No fence, hedge, wall or shrub planting which obstructs sight lines at elevations between two (2) and six (6) feet above the roadways, shall be placed or permitted to remain on any corner lot within the triangular area formed by the street property lines and line connecting them at points twenty-five (25) feet from the intersection of the street property lines extended.  No fencing or wall shall be permitted within sixty (60’) feet of the rear lot line on Lots which are adjacent to the golf course; and no fencing, hedge, wall or shrub higher than 42” shall be permitted within the confines of the rear building setback line on Lots which are adjacent to the golf course.  The same sight line limitations shall apply on any Lot within ten (10) feet from the intersections of the street property line with the edge of a driveway, or alley pavement.  No tree shall be permitted to remain within such distances of such intersections unless the foliage line is maintained at sufficient height to prevent obstruction of such sight lines.  No chain link or wire fence will be permitted in any location.  All fences and walls must have the written approval of the Architectural Control Committee whenever constructed, erected or permitted to remain.  The Architectural Control Committee is empowered to grant reasonable variances from these fencing, wall shrub and hedge requirements upon a showing of hardship, unusual topography, or other warranting condition.  However, no chain link or wire fence will be permitted in any location.  (Includes Fourth Amendment dated May 2, 1994.)

(24)                        Antenna.  No radio or television transmitting antenna or transmitting equipment, having power in excess of ½ watt, shall be placed on or kept within the subdivision without the written approval of the Architectural Control Committee.  In the event of the approval by the Architectural Control Committee, it will be incumbent upon the owner of such transmitting antenna and/or equipment to assure that his equipment does not interfere with television or radio reception in the area.  In the event such interference does occur, the owner of the transmitting equipment shall correct the interference or remove the transmitting equipment.

(25)                        Clothes Lines.  No clothes lines shall be constructed, placed or erected on any Lot in such a way as to be visible from the street.

(26)                        Completion of Construction.  Construction of a home on a Lot, once started, must be diligently pursued and completed within a reasonable time. 

(27)                        Construction of New Buildings.  Construction of new buildings only shall be permitted, it being the intent of this covenant to prohibit the moving of any existing buildings onto a Lot and remodeling or converting same into a dwelling unit in this subdivision.

(28)                        Water Supply.  No individual water supply system shall be permitted on any Lot unless such water system is located, constructed and equipped in accordance with the requirements, standards and recommendations of the City of Blanchard, or State Public Health Authority.  Approval of such systems as installed shall be obtained from such authority and approved by the Architectural Control Committee.

(29)                        Term and Amendment.  These covenants are to run with the land and shall be bindings on all persons claiming under them for a period of twenty-five (25) years from the date these covenants are recorded, unless during such period those persons or firms owning a majority of the Lots in the subdivision shall have signed and caused to be recorded in the Conveyance Records of Caddo Parish, Louisiana, an instrument changing these covenants in whole or in part.  If no such instrument shall have been recorded within the said twenty-five year period, these covenants shall be automatically extended for successive periods of ten years each, unless same be changed by the owners of a majority of the Lots by the procedure hereinabove provided.

(30)                        Conformance to Zoning.  No Lot, including any improvement thereon, may be used in a manner which is not in conformity with all zoning ordinances and rules of a governmental authority having jurisdiction.

(31)                        Enforcement.  The Association, or any Owner, shall have the right to enforce, by any proceeding at law or in equity, all restrictions, conditions, covenants, reservations, liens and charges now or hereafter imposed by the provisions of this declaration.  Failure by the Association or by any Owner to enforce any covenant or restriction herein contained shall in no event be deemed a waiver of the right to do so thereafter; and, if any assessment should constitute a lien on the homeowners’ property, same shall be subordinate to the lien of any first mortgage.  (Includes Third Amendment dated February 15, 1993.) 

(32)                        Severability.  Invalidation of any one of these covenants by judgment or court order shall in no wise affect any of the other provisions which shall remain in full force and effect.

(33)                        FHA/VA APPROVAL.  As long as there is a Class B membership, the following actions will require the prior approval of the Federal Housing Administration or the Veterans Administration:  annexation of additional properties, mergers and consolidations, mortgaging of Common Area, dedication of Common Area, dissolution and further amendment of these Articles.  (Includes Third Amendment dated February 15, 1993.)

THUS DONE AND SIGNED in the presence of the undersigned competent witnesses and me, Notary, in Shreveport, Louisiana, on this 30th day of October, 1986.

ATTEST:                                 CLEMENTS & CORLEY, INC

                                            BY:  CARL R. CORLEY, SECRETARY-TREASURER

(Original is signed, witnessed and notarized.)



PARISH OF CADDO           )

        BEFORE ME, the undersigned authority, a Notary Public in and for the State and Parish aforesaid, fully commissioned and qualified, personally came and appeared:

        THE FIRST NATIONAL BANK OF SHREVEPORT, a national banking

        Association, appearing herein through and represented by the undersigned

        Duly authorized officer;


Who declared that it does appear herein as Mortgagee, for the purpose of concurring in the foregoing Declaration of Covenants, Conditions and Restrictions for Northwood Hills Subdivision and subjecting the mortgaged property thereto.

        THIS DONE AND PASSED before me, Notary, in the presence of the undersigned competent witnesses, this 31st day of October, 1986


ATTEST:                                                    THE FIRST NATIONAL BANK OF SHREVEPORT

(Original is signed, witnessed and notarized.)