Our initial scan found 6 potential issues in your governing documents.
We checked the 4 public PDFs on Terre Du Lac Association’s website against current Missouri (RSMo Ch. 448 & Ch. 355) and federal HOA law—and more issues may exist depending on the documents you load.
✓By Laws✓Covenants Restrictions✓Articles Of Incorporation✓Rules Regs Complete 7 2024+ Add up to 10 PDFs in Full Analysis
Occupancy or amenity restriction discriminates based on familial status / disability or imposes an overbroad age restriction under the Fair Housing Act and HOPA.
Operative Clause · Sec. L. (Page 28)
“Boats in Swimming Area All boats are prohibited in the designated swimming area except when authorized by the Board.”
The Fair Housing Act (42 U.S.C. § 3604(b)) prohibits familial-status discrimination against families with children—including adult-only rental age floors (e.g., 24+), mandatory hourly pool exclusions targeting all minors under 18, blanket Common Area parental-escort rules for children, and caps on grandchildren—unless the community actively qualifies as 55+ Housing for Older Persons under 42 U.S.C. § 3607(b)(2) and 24 C.F.R. §§ 100.304–100.307 (which regulates occupancy rather than fee-simple title ownership and does not authorize intrusive medical/disability disclosures for live-in caregivers under 42 U.S.C. § 3604(f)).
Sample Discussion Wording for HOA Counsel
For Board & Counsel Review
1Any age-based occupancy restriction shall be enforceable only while the Association actively qualifies as "Housing for Older Persons" pursuant to 42 U.S.C. § 3607(b)(2)(C) and 24 C.F.R. §§ 100.304–100.307, including maintaining at least 80% occupancy of units by at least one person 55 years of age or older and conducting mandatory biennial age-verification surveys.
2Absent active HOPA qualification, no restriction shall discriminate on the basis of familial status.
REMAINING INITIAL FINDINGS & FULL DOCUMENT SET
5 Additional Issues Flagged in Initial Scan
Unlock exact page coordinates, statutory citations, and counsel discussion notes for all 5 remaining issues—plus load up to 10 PDFs for complete review.
CC&Rs & Declaration HierarchyBylaws, Elections & QuorumArchitectural Review (ARC)Fines, Hearings & Due ProcessLeasing & Rental RestrictionsReserve Studies & AssessmentsOfficial Records InspectionRSMo Ch. 448 & Ch. 355 & Federal Preemption
FULL GOVERNING DOCUMENT AUDIT · UP TO 10 PDFS · $699
What the Full Analysis Checks & How It Works
Statutory & Federal Check: Audits up to 10 PDFs (CC&Rs, Bylaws, Rules & Amendments) against Missouri statutes (RSMo Ch. 448 & Ch. 355), Federal law, and local codes.
Cross-Document Hierarchy Check: Flags internal contradictions where Rules, Policies, or Bylaws conflict with your recorded Declaration.
Marked-Up PDFs for Board & Counsel: Boxes each issue on the source page with the controlling statute cited and sample discussion wording.
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Terre Du Lac Association & Missouri Governing Document Audit FAQ
Answers for HOA board members, community association managers (CAMs), association legal counsel, and homeowners reviewing Terre Du Lac Association’s governing documents under RSMo Ch. 448 & Ch. 355.
Homeowners & Community OverviewWhat governing documents were audited for Terre Du Lac Association in Bonne Terre, St. Francois County, Missouri?
TrueHOA Crystal AI scanned 4 public governing PDF(s) associated with Terre Du Lac Association (Bonne Terre, St. Francois County, Missouri), including By Laws, Covenants Restrictions, Articles Of Incorporation, and Rules Regs Complete 7 2024 (primary excerpt: Rules Regs Complete 7 2024), parsing 395 operative clauses with exact PDF page coordinates. The audit checks CC&Rs (Declaration of Covenants, Conditions, and Restrictions), Bylaws, Articles of Incorporation, and Rules & Regulations against 42 U.S.C. § 3604(f)(3)(B) & 24 C.F.R. § 100.204 (Fair Housing Act — Assistance Animals) & HUD FHEO-2020-01 and Missouri Uniform Condominium Act (RSMo §§ 448.1-101 to 448.4-120) & Nonprofit Corporation Law (Ch. 355).
HOA Board of DirectorsWhy did Terre Du Lac Association’s governing documents flag 6 potential compliance issues, and what should the Board do?
Older HOA Declarations, Bylaws, and Operating Rules frequently contain provisions superseded by subsequent amendments to Missouri Uniform Condominium Act (RSMo §§ 448.1-101 to 448.4-120) & Nonprofit Corporation Law (Ch. 355) or federal law, or internal hierarchy conflicts where board rules contradict the recorded Declaration. The 6 flagged clauses highlight areas where Terre Du Lac Association’s Board of Directors and association counsel can proactively update policies, avoid unenforceable fine or enforcement disputes, and fulfill board fiduciary duties.
HOA & Real Estate AttorneysHow does TrueHOA Crystal AI check Missouri HOA governing documents under RSMo Ch. 448 & Ch. 355 for association counsel?
TrueHOA Crystal AI ($699 one-time for up to 10 governing PDFs) evaluates every clause against federal law (Fair Housing Act, OTARD 47 C.F.R. § 1.4000 telecommunications rules, federal solar/bankruptcy protections), Missouri Uniform Condominium Act (RSMo §§ 448.1-101 to 448.4-120) & Nonprofit Corporation Law (Ch. 355), local codes, and cross-document hierarchy (Recorded Declaration > Articles > Bylaws > Rules). Every PDF page is widened by 340pt on the right margin with exact paragraph bounding boxes, statutory citations (42 U.S.C. § 3604(f)(3)(B) & 24 C.F.R. § 100.204 (Fair Housing Act — Assistance Animals) & HUD FHEO-2020-01), and non-repetitive discussion wording prepared for HOA legal counsel.
Community Association Managers (CAMs)How do Missouri HOA property managers use TrueHOA Crystal AI during onboarding or annual compliance reviews?
Community association managers (CAMs, CMCA, AMS, PCAM) and management companies use TrueHOA Crystal AI when onboarding a new Missouri HOA or preparing for annual meetings, reserve and assessment reviews, architectural (ARC) disputes, or covenant enforcement. The audit works alongside Vantaca, AppFolio, CINC, and TownSq to give managers an instant, page-cited compliance roadmap across all 10 community PDFs.
Elections & Covenant AmendmentsHow can Terre Du Lac Association pass a CC&R or Bylaw amendment or run a certified HOA election in Missouri?
When an audit identifies outdated covenants or bylaws requiring homeowner ratification, or when Terre Du Lac Association conducts its annual board election, TrueHOA Verified Governance® ($0.50 per door per month, unlimited elections and votes) provides secret-ballot and electronic voting compliance, automated quorum tracking, and cryptographically sealed election records that cut manager election administration time by 98%.
