The HOA that wasn't

On November 23, 1987, First Financial Corporation filed a Declaration of Covenants, Conditions, Restrictions and Easement (CCRE) for Mountainside Subdivision Unit I. Subsequent amendments to the CCRE were filed six times as the subdivision was transferred to JHM Builders. Walker's Ridge North replaced the generic Mountainside Subdivision Unit I. In 1995, Walker's Ridge North was nearly completed. The developer