St. Charles Hills subdivision, St. Charles, MO

Understanding the Governance of St. Charles Hills Subdivision

Note: St. Charles Hills does not have a "Home Owners Association" (or HOA) by that name, although people often refer to it as such. What it has is a set of "Indentures", and elected volunteer "Trustees" to handle the governance and decision making as related to the Indentures.

The most difficult thing for most St. Charles Hills residents to determine is who to contact when they have a question or complaint. Many residents think that this is always the subdivision Trustees, but often this is not the case. This document is to help St. Charles Hills subdivision residents understand the governance of their subdivision and how it relates to St. Charles County and other government entities.

To start with, the following diagram shows how St. Charles Hills fits in with other governments. Each government is progressively smaller and contained within the next largest government. St. Charles Hills subdivision is the smallest. The most important part to understand is the difference between county ordinances and subdivision indentures, because parts of these two sets of "rules" are similar in some areas and are easily confused.

The Ordinances of St. Charles County Missouri

An ordinance is an enactment of the legislative body of a local government. St. Charles County ordinances are available at the St. Charles County web site at, or you can request a copy at the county courthouse.

St. Charles Hills subdivision Indentures

The St. Charles Hills "Indentures" are the Conditions, Restrictions, Provisions and Trusteeship, sometimes called "By-Laws". The Indentures are available by request from the Trustees (for a modest fee to cover costs) or at the St. Charles Hills subdivision web site. We hear many St. Charles Hills residents say that they have never seen a copy of the Indentures and did not know that they exist. While this is unfortunate, it does not relieve the resident from adhering to the Indentures.

The following is an excerpt of a St. Charles Hills homeowner's General Warranty Deed for their home. (The seller's and homeowner's personal information is grayed out.) Notice the text that has been highlighted inside a rectangular box. What this text means is that the homeowner is responsible for understanding and adhering to the subdivision (St. Charles Hills) indentures which are on file with St. Charles County.

This same text was included with this homeowner's Deed of Trust from the financial institution that handled the loan for the purchase of their home. When the seller and the homeowner "closed" on the house the homeowner was given a copy of the Indentures by the title company used during the process.

Your deed contains this same text, therefore you are responsible for its meaning and content.

Interpreting laws, ordinances, and indentures

At times laws need to be interpreted and decisions need to be made regarding the scope and intent of the law. This is done at the higher levels of government by the courts, (in particular at the federal and state levels by a "Supreme Court".) At the St. Charles Hills subdivision level there are no courts, so the duty of interpreting the subdivision Indentures becomes one that the Trustees must assume.

Understanding the Ordinances and Indentures

Many St. Charles Hills residents never have the need to familiarize themselves with St. Charles County Ordinances or St. Charles Hill Indentures. Any resident that maintains their home in a normal manner and does not build or change any structure will probably never violate an Ordinance or Indenture. But if there is ever a complaint against a homeowner or a resident, or if a resident has any question as to whether another homeowner or resident is adhering to the Ordinances or Indentures, there is no substitute for obtaining, reading, and understanding the Ordinances and Indentures! (Unless this is done, a complaintant against another party will not be able to accurately determine the validity of the complaint.)

Working with your Trustees to solve problems

The Trustees of St. Charles Hills subdivision will always be glad to help you solve a problem, but you cannot expect them to do all the work, especially if it involves St. Charles County Ordinances.

The Trustees have created a List of Agencies, Utilities, and Organizations that provides contact information for most of the entities you might need to contact. This list of contacts is available at the St. Charles Hill subdivision web site, or you can request a copy from the Trustees.

If you have a question or problem, first check this list to see if you can simply make a phone call or send an email to the proper organization to begin the process of answering your question or solving your problem.

Do not expect your problem to be solved immediately!

Keep a record of each time you make contact with the organization. Ask the person you contact how long it should take to resolve the issue or ask them to get back to you when they believe the issue is resolved. One of the main reasons that some problems do not get solved is that the complaintant does not follow up. If they investigate an incident and are not able to take any action, you must continue contacting them each time the incident happens.

If your problem is not solved after a number of contacts, then contact your Trustees to ask for additional help.     Copyright © St. Charles Hills subdivision
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