Parterre is an HOA-governed community. For buyers coming from a resale neighborhood without one, that phrase carries real questions: What does it cost? What does it control? And how much of your daily life does the HOA actually shape? Here's a plain-language answer.
Every home in Parterre — in Garden North today, and in the four phases that follow — is subject to a set of Covenants, Conditions, and Restrictions (CC&Rs) and to a monthly HOA assessment. These documents and fees are disclosed during the purchase process, and your buyer's agent will ensure you review them before contract execution. What the builder's sales office sometimes glosses over is what the documents actually say and what they mean for how you own your home day-to-day.
This guide covers the practical HOA mechanics at Parterre: what the fee structure looks like and how to verify it, what the CC&Rs govern (and don't), how the architectural review process works, and the documents to request before you close. It also addresses the question we hear most from buyers choosing between Parterre and Heritage Todd Creek next door: how do the two HOA structures compare?
What the Parterre HOA covers
Parterre's HOA maintains the shared community infrastructure: entry features, common-area landscaping along community corridors, signage, and eventually community amenities as phases build out. The HOA is the legal and financial entity that keeps the shared parts of the neighborhood in good condition and enforces the community standards that protect property values over time.
What it does not cover is your individual lot. In a single-family home community like Parterre, exterior maintenance, landscaping on your own property, and snow removal from your driveway and walks are the homeowner's responsibility. This is a common source of confusion for buyers who've lived in condo or townhome HOA communities, where the HOA often covers exterior maintenance. Single-family HOAs work differently: the fee covers the community, not the lot.
HOA fees — what to budget and how to verify
HOA fees at Parterre are assessed monthly and collected by the association. The specific fee structure — including the dollar amount, what it covers, and whether there are separate sub-HOA assessments for specific phases — is disclosed in the purchase agreement and in the HOA documents provided during your Colorado real estate contract period.
We don't quote a specific dollar figure here for a reason: the fee has varied as Parterre has built out, and it may differ across phases as amenities and community programming are added. The accurate number for the specific home you're evaluating is in the disclosure documents. This is one of many reasons to have your own buyer's agent rather than relying on the builder's on-site staff — an independent agent will flag discrepancies and ensure you're comparing the full monthly cost (mortgage plus HOA) across homes you're considering.
Two budget points buyers often overlook:
HOA fees are in addition to your mortgage payment. When you're comparing Parterre homes to non-HOA alternatives in the metro, the correct comparison adds the monthly HOA fee to your PITI (principal, interest, taxes, and insurance). A home in Parterre costs more per month than a same-priced home without an HOA, and that difference belongs in your budget model before you fall in love with a floor plan.
HOA fees can increase over time. The CC&Rs typically cap how much the HOA can raise fees annually without a member vote, but costs do increase as communities age. Review the association's current budget and reserve fund status — both are disclosed documents — to understand the association's financial health before you close.
The CC&Rs: what they govern
Parterre's Covenants, Conditions, and Restrictions are the legal rules that govern what owners can and can't do with their properties. These run with the land — meaning they apply to every owner who buys in Parterre, including resale buyers who purchase from original owners down the road.
The areas CC&Rs typically address in new-construction master-planned communities include:
Exterior appearance. Paint colors, roofing materials, and exterior modifications typically require approval from the Architectural Control Committee (ACC) before changes are made. The builder's original approved color and material palettes usually form the baseline for what the ACC will approve. Significant departures from that palette are harder to get through.
Fencing. Fence styles, heights, and materials are almost always governed in a master-planned community. Privacy fences may be restricted in front yards; rear and side yard fencing typically has height limits and material specifications. Buyers who plan to fence their yard for pets or children should review the fence provisions in the CC&Rs before contract execution — this is not a detail to discover after closing.
Parking and vehicles. Recreational vehicles, boats, and commercial trucks are commonly restricted from extended street or driveway parking. If you own a boat or an RV and plan to store it at home, verify this before you commit. Most Parterre buyers who need RV storage use an off-site storage facility and find the restriction manageable; the point is to know in advance.
Short-term rentals. Many master-planned community HOAs address vacation rentals explicitly. Review the rental provisions if you're considering using the home on Airbnb or similar platforms — some communities restrict this outright, others set minimum rental periods. The specific language is in the CC&Rs.
Landscaping timelines. Many HOAs include provisions requiring homeowners to complete their front and side yard landscaping within a specified period after closing. If you're planning to DIY the backyard over several summers, check whether there's a timeline requirement in the documents — and whether "backyard" is covered by it.
Parterre is not a gated community — access to and through the neighborhood is public, and the HOA does not control entry. But it is a governed community: the CC&Rs are legally enforceable, and the HOA has a defined process for notifying owners of violations and requiring remediation.
The Architectural Control Committee
Before you make any exterior modification to your Parterre home — a fence, a shed, a satellite dish, a new paint color, an addition — you'll need ACC approval. This process exists for a straightforward reason: consistent community character protects the property values of everyone in the neighborhood, not just the person making the change.
The process is typically manageable for modifications that fall within the approved guidelines. You submit a request with plans, materials, and colors; the ACC responds (usually within 30 days under the CC&Rs); and you proceed once approved. Unpermitted modifications can result in enforcement action, including fines and required removal, so the approval step is not optional and is not retroactive.
For most Parterre buyers, the ACC process is an occasional consideration rather than a daily one. If you're buying a quick move-in home and plan to add a fence in the first few months, factor a few weeks of ACC review time into your project timeline. The process isn't punitive — it's administrative.
What the HOA doesn't govern
A common concern among buyers new to HOA communities is that the association will reach into their daily lives in unwelcome ways. In practice, most of what you do inside your home and on your schedule is entirely yours. The HOA governs the community's shared spaces and the exterior appearance of individual properties. It doesn't govern your interior, your choice of careers, your daily schedule, your guests, or most other aspects of how you live.
The enforcement of CC&R violations is typically complaint-driven rather than actively patrolled. A neighbor who has a problem with an unpermitted fence is far more likely to trigger an enforcement letter than a roving HOA inspector. Most residents at Parterre — and in any well-run master-planned community — will have no enforcement interactions at all if they follow the basic approval process for exterior changes.
Parterre HOA vs. Heritage Todd Creek next door
Heritage Todd Creek, immediately adjacent to Parterre on Quebec Street, is a 55+ active-adult community with its own HOA structure. The two communities are governed differently and serve different buyer profiles, and the HOA differences reflect that.
Heritage Todd Creek's HOA is oriented around its active-adult amenity package: a clubhouse, golf course, fitness center, and programming built specifically for that life stage. The HOA fee there is correspondingly higher than what you'd see at a newer community like Parterre, because the amenity base is more substantial and already built out. The trade-off is that you're buying into a community where most of the infrastructure exists rather than one still in its build-out phase.
Parterre's HOA is structured for a community in Phase 1 (Garden North) with four more phases to come. The fee structure today reflects the community in its current state; as Parterre builds out, amenities and community programming will develop, and the HOA's scope will broaden accordingly. Buyers who are comparing both communities are really making a broader lifestyle and life-stage decision alongside the HOA comparison. We covered this in detail in the Parterre vs. Heritage Todd Creek buyer guide.
The HOA documents to request before you close
Colorado real estate law requires builders to disclose HOA documents as part of the contract process. For new construction at Parterre, you'll typically receive the following — and you should read each of them, not just sign acknowledgment that you received them:
The CC&Rs. The full Covenants, Conditions, and Restrictions — the legal document that governs what owners can and can't do. This is the most important document in the package and worth reading cover to cover. Your buyer's agent can walk you through the provisions that are most relevant to how you plan to use the property.
The HOA bylaws. How the association is governed, how the board is elected, and how meetings and votes work. Most buyers find this less relevant day-to-day than the CC&Rs, but it matters if you ever have a dispute with the HOA or want to participate in community governance once the builder transitions control to homeowners.
The current HOA budget. What the association spends on maintenance, administration, and what it's setting aside for reserves. A healthy association budget is an indicator of a well-run community. A budget that's running a deficit or significantly underfunded on reserves is worth discussing with your agent before you proceed.
The reserve study (if available). A forward-looking analysis of when major community infrastructure will need replacement and whether the HOA is adequately funded to cover those costs. Reserve studies are more common in established communities than in new-build communities still in their first years of operation, but it's worth asking whether one exists and what it says.
The disclosure period in a Colorado new-construction contract gives you time to review these documents and cancel the contract if something in them is disqualifying. Use that time. HOA documents are legally required to be disclosed before you close, but understanding what you're signing takes more than a receipt stamp.