Michelle Sebio Savje | Franklin Real Estate, Bellingham Real Estate, Blackstone Real Estate


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When it comes to homeowner’s associations, you need to know what type yours is before you determine whether to “join” it. There are two types of associations, covenant-based and voluntary. When homeowners ask about requirements to join a homeowner’s association, they may believe it is optional, but if our association is covenant-based, you have automatic membership by virtue of being a property owner.

Here’s How They Work

A voluntary association is a group of property owners that collectively decide how to improve their neighborhood. By the time you move into the neighborhood, the HOA may be well-established, so you’re not aware of how it started. Such HOAs are more similar to neighborhood improvement clubs, local sports team sponsors and other folks that join in order to develop a sense of community.

A covenant-based HOA is a contract that is part of the land purchase agreement within a development. That means that all property owners automatically must retain membership and that agreement is binding on all future owners within the specified development.

Future Owners

You might question how a contract is binding on future owners, but in the case of a covenant-based homeowner’s association, the covenant “runs with” the property as recorded in the county land records office. The document that spells out the covenants attaches to the property deed. When you buy a lot or home in the development, the original deed and any liens or covenants that attach to it become your responsibility.

Often, the original developer set up and controlled the association until the last piece of land sold or a sufficient number of homes sold so that the running of the association could transfer to the owners. Typically, these determinations are part of the original covenant documents filed with the county records. HOAs run by a board of elected owners from within the development. Unlike a voluntary association, renters or leaseholders cannot become members even though they are bound by the rules and conditions of the association.

Know Which Type It Is

Before you choose to purchase a home in a neighborhood with an association, learn whether it is voluntary or covenant-based. Ask to see copies of the covenants, conditions and rules (CC&Rs) before you commit to purchasing in that development. Your real estate agent can write a contingency into your purchase contract to require approval of the CC&Rs if you’re concerned about living within the HOA.


This Single-Family in Bellingham, MA recently sold for $630,000. This Colonial style home was sold by Michelle Sebio Savje - Sebio Savje Premier Realty.


5 Duhamel Way, Bellingham, MA 02019

Single-Family

$649,900
Price
$630,000
Sale Price

10
Rooms
4
Beds
2/1
Full/Half Baths
WELCOME TO D & N ESTATES, BELLINGHAM'S NEWEST PREMIER 6 LOT SUBDIVISION on the BELLINGHAM/FRANKLIN LINE! WOODED CUL-DE-SAC LOTS! METICULOUS LOCAL BUILDER! STUNNING FRONT STONE ENTRY, 4 BEDROOMS, 2.5 BATHS, FAMILY ROOM HAS CATHEDRAL CEILING w/GAS LOG FIREPLACE, HARDWOOD FLOORS THROUGHOUT MOST OF THE 1st FLOOR & 2nd FLOOR HALLWAY. GREAT QUALITY HARVERY WINDOWS, CUSTOM PACKED CABINET KITCHEN w/ GRANITE TOPS. TONS of CUSTOM MOLDING & TRIM INCLUDED, GENEROUS ALLOWANCES. HIGH EFFICIENCY HEATING SYSTEM (2 Zones). MUD ROOM has BUILT-IN CABINET w/ BENCH including STORAGE. GRAND MASTER SUITE w/TWO WALK-IN CLOSETS, LOUNGE AREA & MASTER BATH w/TILED SHOWER, TUB & 2-SINK GRANITE CABINET. BUILDER HAS A PLAN TO BUILD YOUR NEW HOME or HE CAN BUILD TO SUIT YOUR NEEDS.

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This Single-Family in Bellingham, MA recently sold for $649,900. This Ranch style home was sold by Michelle Sebio Savje - Sebio Savje Premier Realty.


7 Duhamel Way, Bellingham, MA 02019

Single-Family

$649,900
Price
$649,900
Sale Price

10
Rooms
4
Beds
2/1
Full/Half Baths
WELCOME HOME TO BELLINGHAM'S NEWEST PREMIER 6-LOT SUBDIVISION in DUHAMEL ESTATES! Right on the Bellingham/Franklin Line & Close to Commuter Rail and Highways. Meticulous Local Builder features an Inviting Sprawling Ranch w/ a Unique Stone Front w/4 Beds & 2.5 Baths. Living Space galore with tons of Custom Trim throughout. 2-Zones Central Air/Heat w/96% Efficiency Furnace, Huge Open Concept Cathedral Kitchen/Family Room w/eat-in area has Custom Cabinets, Granite Counters & Columns dividing the Dining Rm from the Family Rm. Gas Log Fireplace w/Wooden Mantle & Granite Tile Trim Surround in FM. Hardwood Floors provided in the Foyer, Kitchen, Dining Room, Study & Family Room. Master Bedroom Suite w/Tiled Shower Master Bath & His & Hers Walk-In Closets is separated to one side. Generous Allowances! Town Water & Sewer and Underground Utilities! Builder also has a few other plans to choose from including a 2800 sq ft. or a 3200 sq ft Colonial! You can even bring your own stamped plan

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This Single-Family in Franklin, MA recently sold for $522,000. This Cape,Gambrel style home was sold by Michelle Sebio Savje - Sebio Savje Premier Realty.


18 Taft Dr, Franklin, MA 02038

Single-Family

$519,900
Price
$522,000
Sale Price

7
Rooms
3
Beds
2
Baths
This move in ready, lovingly maintained Gambrel Cape w/ only One Owner is waiting for you! Located at the top of a cul-de-sac in the heart of wildly popular Franklin, MA this home is close to the town center, Rt. 495 and the commuter rail to Boston. There is a high rated school system here w/ a new state of the art high school as well as a sought after nearby Charter school . Brand New Granite Counters just installed! There are newer shiny hardwoods throughout most of the 1st Floor. Updates include Tile in the Kitchen, Mudroom, Both Baths & Hallway, a 2017 Furnace & 2018 Well Pump. There is Central Air & Central Vac! The Freshly painted 1st Floor has tons of windows for natural light. The Kitchen has lots of cabinets & a dining area, the Family Rm is roomy w/ a bay window & a fireplace for warmth & ambiance. Full ceilings grace the 3 bedrooms w/ a spacious front to back Master & a walk-in Closet. There is also a huge level backyard!

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3 Duhamel Way, Bellingham, MA 02019

Single-Family

$624,900
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
TO BE BUILT in AUGUST! WELCOME HOME TO BELLINGHAM'S DUHAMEL ESTATES! Located right on the Bellingham/Franklin Line & Close to Commuter Rail and Highways. Meticulous Local Builder features an inviting Colonial w/ a Unique Stone Front w/4 Beds & 2.5 Baths. Grand Foyer Tons of Living Space with tons of Custom Trim throughout. 2-Zones Central Air/Heat w/96% Efficiency Furnace, Huge Kitchen w/eat-in area has Custom Cabinets, Granite Counters & Columns dividing the Kitchen from the Family Room. Gas Log Fireplace w/Wooden Mantle and Granite Trim Surround. Hardwood Floors provided in the Foyer, Kitchen, Study & Family Room. Master Bedroom Suite w/Tiled Shower Master Bath, His & Hers Walk-In Closets. 2nd Floor Laundry Room for convenience. Generous Allowances! Pick out your own Cabinets, Granite Tops and Appliance! Composite Deck with Vinyl Rails. Town Water & Sewer and Underground Utilities! Call for Information Package! Don't miss out on our last house!
Open House
Sunday
July 12 at 12:00 PM to 1:30 PM
New Construction to begin in August. Stop by and see Rachael and get an information packet. Be in by the beginning of December!
Cannot make the Open Houses?
Location: 3 Duhamel Way, Bellingham, MA 02019    Get Directions

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