Frequently Asked Questions

Windsor Trace Farms is a 54-home, single-family residential neighborhood in Bowling Green, Kentucky.

The neighborhood is intended for residential living rather than commercial or mixed-use development. Homeowners share responsibility for maintaining their properties in accordance with the community’s established standards.

The Windsor Trace Farms Homeowners Association administers annual assessments, manages authorized association responsibilities, and works to maintain the neighborhood’s established property and appearance standards.

Its responsibilities include maintaining association records, addressing assessment accounts, reviewing architectural matters through the appropriate process, and pursuing enforcement when necessary.

The HOA does not replace county government, emergency services, or utility providers.

No. Membership automatically accompanies ownership of a lot in Windsor Trace Farms.

Membership cannot be separated from the property. A homeowner cannot opt out of the association, its assessments, or its applicable property requirements while continuing to own the lot.

When the property changes ownership, association membership transfers with the lot.

Each Class A lot carries one association vote.

If a home is owned by two or more people, the owners share that one vote. Multiple names on a deed do not create additional votes for the same property.

Voting on association matters must follow the applicable membership and approval procedures.

Yes. The property-use and appearance requirements apply to the lot regardless of whether it is occupied by the owner, a tenant, or another resident.

Owners remain responsible for their property and should make sure occupants understand requirements concerning parking, pets, lawn care, trash storage, and other neighborhood standards.

Renting a property does not eliminate the owner’s assessment obligations.

The HOA Documents page organizes the neighborhood’s requirements into expandable topics covering construction, architectural approval, property maintenance, parking, pets, landscaping, and assessments.

Each topic explains the relevant standards in practical terms so homeowners can find information without searching through a lengthy document.

The current regular annual assessment is $150 per property.

The assessment supports authorized HOA administration, maintenance, and other association responsibilities.

It is assessed by property, not by the number of people living in a home or the number of individuals listed as owners.

Annual HOA assessments are due January 31 of each year.

Homeowners should arrange payment by the due date rather than waiting for a reminder or delinquency notice.

The responsibility to pay remains with the property owner even if a mailed notice is delayed or not received.

By Mail

Send a check or money order to:

Windsor Trace Farms HOA
P.O. Box 50894
Bowling Green, KY 42102-4194

Online

Payment is also available through PayPal. The current online payment amount for a regular annual assessment is $155, including a $5 processing charge.

Visit the Pay HOA Dues page for payment instructions.

Include the property address associated with the assessment.

If you are paying for multiple years, identify the assessment years covered by the payment.

This is especially important when paying an older balance, because the name on a payment account may differ from the name listed in HOA property records.

Keeping a copy of your payment confirmation is recommended.

Unpaid assessments bear interest at 10% per annum from the due date until paid.

Delinquent balances may also become subject to authorized collection costs, legal expenses, and lien remedies.

Unpaid assessments from earlier years remain outstanding even if the current year’s assessment is paid.

Addressing a delinquent balance promptly can prevent additional charges and collection complications.

Contact the HOA with your name, property address, the amount in question, and any available payment records.

Useful documentation includes check numbers, bank transaction dates, PayPal confirmations, or copies of prior correspondence.

The association can review the account information and reconcile payments that may have been misidentified or incorrectly credited.

Do not assume an outstanding balance has been resolved until the payment has been confirmed and properly recorded.

Yes, special assessments may be established for authorized association purposes, but they are separate from the regular annual assessment.

A special assessment must follow the applicable membership approval requirements. It is not simply an unrestricted additional charge that can be imposed without the required process.

If a special assessment is properly adopted, affected homeowners are responsible for payment under its approved terms.

Yes. Unpaid assessments, applicable interest, and authorized collection expenses may result in a lien against the property.

A delinquent balance can also create complications during a sale or transfer of ownership.

Homeowners who receive a delinquency notice should review the balance promptly and contact the HOA if they have evidence of a payment that is not reflected in the account.

Generally, no. Street parking is prohibited except for occasional social events.

The exception accommodates temporary guest parking associated with an occasional gathering. It does not authorize routine overnight parking, regular overflow parking, or using the street as long-term vehicle storage.

The vehicle-type restrictions also apply. Commercial vehicles, recreational vehicles, and other nonpersonal vehicles are not permitted to use neighborhood streets as storage or parking areas.

Not as regular outdoor storage. Boats, recreational vehicles, motor homes, trailers, utility trailers, and similar vehicles are subject to restrictions requiring enclosed storage in a garage or basement.

The vehicle provisions address certain temporary circumstances and a 24-hour period, but that should not be understood as permission to store these vehicles outside on a recurring or long-term basis.

Keeping a camper beside the house between trips or leaving a boat in the driveway throughout the season is inconsistent with the general storage restrictions.

Commercial trucks and vehicles are subject to the neighborhood’s vehicle-storage restrictions.

They generally may not be parked or kept outdoors on residential lots as regular storage and must meet the applicable enclosed-storage requirements.

Using a residential driveway, yard, or street as a permanent parking location for a commercial vehicle is inconsistent with those restrictions.

The neighborhood’s separate home-business requirements may also apply when a vehicle is associated with a business operated from the property.

Minor Maintenance

Occasional minor maintenance of a personal vehicle is allowed. Examples include changing a tire, replacing a battery, or replacing windshield wipers. Work should be completed promptly and the area cleaned afterward.

Major Repairs

Driveways and yards are not intended for extensive vehicle rebuilding, bodywork, prolonged disassembly, or long-term restoration projects.

Inoperable Vehicles

Inoperable vehicles may not remain parked or stored outdoors on a lot for more than 24 hours unless housed in a garage or basement.

Commercial Repairs

Residential property may not be used as a commercial automotive repair shop or ongoing customer-service repair facility.

Vehicle parts, tires, tools, and discarded components must not accumulate outdoors in violation of the property’s appearance and storage requirements.

Grass on occupied residential lots must not exceed 10 inches.

Vacant lots have a separate 15-inch mowing threshold.

Homeowners must also control weeds, remove trash, and maintain their landscaping. Meeting the height limit does not excuse other neglected or unsightly conditions.

Owners remain responsible for maintenance when a property is rented, vacant, or temporarily unoccupied.

Trash and recycling must be kept in enclosed containers and screened from street view as required.

Garbage bags, loose waste, discarded furniture, and other rubbish must not accumulate outdoors.

Containers may be placed out temporarily for collection, but regular storage should comply with the screening and property appearance requirements.

Households are generally limited to two commonly recognized household pets, subject to the animal provisions.

Livestock, poultry, and other animals outside the permitted household-pet exception are prohibited. Commercial animal breeding is also prohibited.

Homeowners are responsible for ensuring their pets are properly restrained and do not roam onto neighboring properties.

Dogs and cats may not be left outdoors unattended or unaccompanied unless properly confined to the rear portion of the lot within a fence or other approved restraint.

Pets taken off the property must be attended and restrained as required.

Installing a fence or other permanent enclosure may itself require architectural approval.

Signs are generally prohibited except as specifically allowed.

One sign advertising the sale or rental of a property is permitted, provided it does not exceed eight square feet.

That exception does not automatically permit business signs, advertising displays, or other promotional signs.

Home-business zoning allowances do not override the neighborhood’s separate sign restrictions.

Residential Use Comes First

Windsor Trace Farms is a single-family residential neighborhood, not a commercial or mixed-use development.

Qualifying Home Offices

Residential home-office restrictions include no business signage, no additional business parking, no customer or client visits, and merchandise storage limited to 200 square feet. The home’s appearance and primary use must remain residential.

Other Home Occupations

Some activities, such as tutoring, certain childcare services, salons, catering, and craft-related businesses, may require a conditional use permit and are subject to additional restrictions on traffic, parking, noise, odors, and neighborhood impact.

HOA Approval

Home occupations require Architectural Review Committee permission. A business license or county permit does not automatically authorize an activity within the neighborhood.

Commercial repair shops, retail storefronts, and similar customer-facing businesses are not automatically permissible uses of residential property.

No. Outdoor clotheslines are prohibited.

The restriction applies to outdoor arrangements used as clotheslines, whether installed permanently or used as a recurring outdoor laundry-drying setup.

Homeowners should use indoor laundry facilities or other methods that do not involve maintaining an outdoor clothesline.

No. Window-mounted air-conditioning units are prohibited.

If you are considering an alternative cooling installation that involves exterior equipment, structural changes, or visible alterations, determine whether architectural approval is required before beginning work.

The neighborhood restrictions prohibit exterior satellite dishes or antennas larger than two feet in diameter.

Permitted satellite dishes must not be visible from the street unless the necessary architectural approval has been obtained.

Placement and installation should also account for the appearance of the residence and any required mounting alterations.

Applicable federal protections for certain reception devices may affect enforcement of particular restrictions.

No. Residential lots are intended for single-family residential use.

Trailers, recreational vehicles, tents, garages, barns, sheds, and similar structures may not be used as temporary or permanent residences.

An accessory building does not become a permitted second residence simply because it has electricity, plumbing, or finished interior space.

Architectural approval is required before constructing or altering covered structures, including houses, garages, fences, walls, gazebos, sheds, pools, and other improvements.

Homeowners should submit plans identifying the proposed location, dimensions, design, height, and materials.

Approval should be obtained before construction begins or materials are purchased.

Separate building permits and other governmental requirements may also apply.

Prepare a written description of the proposed project and supporting plans or drawings.

Include the property’s address, proposed dimensions, location on the lot, exterior materials, and any relevant site-plan information.

Send the request to:

Windsor Trace Farms HOA
P.O. Box 50894
Bowling Green, KY 42102-4194

Keep a dated copy of the submission and any correspondence concerning the request.

The architectural review provisions establish a 15-day review period after the required plans and specifications have been submitted.

The effect of a failure to approve or disapprove a submission during that period is governed by the applicable review conditions.

Homeowners should submit complete plans, retain proof of submission, and remember that the review process does not eliminate other requirements concerning setbacks, easements, construction materials, or governmental permits.

Yes, subject to architectural approval and applicable placement requirements.

Fences and walls may not extend forward of the rear building line of the residence.

The approval request should show the proposed height, materials, design, and location.

Fences and walls must not interfere with utility easements, drainage facilities, or applicable setback restrictions.

Detached buildings require architectural approval before installation or construction.

The neighborhood’s detached-building restrictions also limit the number of detached buildings permitted on a lot.

Provide plans showing the structure’s size, height, location, materials, and intended use.

Accessory buildings may not be used as separate temporary or permanent residences.

Swimming pools, gazebos, and comparable structures require architectural approval before construction or installation.

Submit the proposed dimensions, location, materials, and any related fencing, decking, or equipment improvements.

Approval does not replace applicable building or safety requirements, and improvements must respect setbacks and easements.

Living Space

A residence must contain at least 1,600 square feet of qualifying heated living space, excluding garages and porches.

Exterior Materials

At least 80% of the exterior must consist of brick, stone, LP SmartSide, or cement-based siding unless another material is approved.

Garage

Garages must contain at least 400 square feet and accommodate two to three motor vehicles.

Roof

The primary residential roof must have a minimum 8/12 pitch.

Approval

Plans must receive the required architectural review and comply with applicable setbacks and other construction requirements.

Yes. Initial landscaping requirements include establishing the required grass coverage, installing appropriate foundation landscaping, and providing at least one front-yard tree with a minimum two-inch caliper.

The landscaping provisions establish a 60-day period following the applicable construction milestone.

Mechanical equipment, utility facilities, waste receptacles, and similar service areas must also be screened from public view as required.

After installation, owners remain responsible for maintaining the landscaping and keeping grass and weeds under control.

Property improvements must not obstruct established drainage facilities or interfere with recorded drainage easements.

Adding fill, changing yard slopes, building retaining walls, or modifying culverts can affect runoff and neighboring property.

Homeowners should evaluate these effects before beginning work and ensure that any proposed improvement complies with the applicable drainage and construction requirements.

Structures and other improvements must not interfere with the authorized use of recorded utility or drainage easements.

An easement may reserve part of a lot for utility installation, maintenance, drainage, or access.

Before placing a building, fence, wall, or substantial landscaping feature, confirm the location of any easements affecting the proposed work.

Architectural approval does not eliminate recorded easement restrictions.

Outdoor storage tanks, including propane tanks, must be located behind the front facade of the principal residence.

Architectural approval is required for the proposed placement.

The installation must also account for appropriate access, safety clearances, appearance, and applicable easements.

The HOA may pursue enforcement of applicable neighborhood requirements through authorized procedures.

Depending on the circumstances, enforcement may include efforts to correct a violation and appropriate legal remedies.

Qualifying court costs, attorney fees, and other authorized enforcement expenses may be recoverable.

A restriction does not automatically become unenforceable simply because it was not enforced in an earlier situation.

Send written correspondence to:

Windsor Trace Farms HOA
P.O. Box 50894
Bowling Green, KY 42102-4194

Include your name, property address, and a clear description of your question or request.

For an architectural request, include drawings, dimensions, materials, and the proposed location of the improvement.

You may also use the Contact page for available contact information.