The rules and regulations of the Lake Sherwood
subdivision are codified by a set of indentures created in 1947 when the
land was subdivided into the existing tracts and the homes were built.
We are not governed by a homeowner's association, but by three
A copy of the original indentures can be viewed by
clicking here. (Adobe PDF Viewer
The pertinent information in the indentures is
Land Location: US Survey 1920, Township 46 North, Range
6 East, recorded in the Recorder of Deeds Office of St. Louis County,
Missouri in Book 2315, Page 305.
Original Trusteeship: September 4, 1947
Amendments: July 7, 1992 - Removed residence
restrictions of race and religion.
The current Trustees are
Linda Miller, and
are elected for a period of 5 years and can be re-elected without
restriction. Although the Trustee is not elected to an office,
per se, the division of work has traditionally been divided in such
a manner that each trustee acts as either chair, secretary, or
Requirements for a Trustee are only that he/she live
in Saint Louis County. The founders of the trusteeship did
indicate that "It is the intention of this indenture that the
government of [the property] be in the hands of Trustees each owning
at least one site..."
The duties of the Trustees are to uphold the
restrictions and requirements of the indenture. All trusts
created by the indenture, including all the rights, powers, duties
and privileges imposed upon the Trustees shall be decided by the
major part of them. No Trustee shall be held personally liable
for injury to persons or property by reason of any act or acts of
commission or of omission by such Trustee, respectively or
Assessments are used for maintaining the private
streets, fence, entrances and common areas as described in the
indentures. The trustees have the responsibility to set the
amount of assessment, and any special assessment as may be
necessary, and bill the property owners. The current annual
assessment is $350/yr. per household. The assessment is due
and payable within 10 days from the due date printed on the
assessment notice. Failure to fully pay within the allotted
time will cause a charge or lien to be placed upon the property site or
sites and shall continue in full force until the amounts are fully
paid. The indentures stipulate that an 8% annual interest be assessed on
the unpaid balance. The indentures further stipulate that any
and all attorney fees for collection shall be paid by the site owner
or owners in default.
All residency and occupancy requirements and
restrictions of Overland, Missouri must be met
Only one family per residence is allowed.
No garage or basement or other outbuilding can be
used as a temporary or permanent residence.
No residential building site can be re-subdivided.
No residence shall be used directly or indirectly
for business of any character or for any purpose other than that of
an exclusive private residence.
Housing Construction and Remodeling:
The trustees have the responsibility to review and
approve or reject "all plans and/or specifications for the
construction, reconstruction, addition to, or alteration of any
building, fence, wall, or other structure of any kind, as well as
plans and/or specifications for the location of the structure or
structures on the site or sites and the grading and landscape
treatment." The indentures further require that "No work shall
be started upon any of the above improvements until the plans and/or
specifications for same shall have been submitted to and received
the written approval of the Trustees." The Trustees have the
right to refuse to approve any such design which is not suitable or
desirable. The Trustees are required to approve or reject the
plans and/or specifications within fifteen (15) days after they are
received. Should the Trustees fail to act within the 15 days
after receiving the plans and/or specifications, the plans and/or
specifications will be considered approved.
General considerations are:
The distance of any proposed structure from the
front lot line
Only one residential building is permitted on
No building shall be over 2.5 stories in height
Garages and outbuildings must either be built in
the residential building or attached to it directly or by means
of a covered porch or breezeway.
All residences must have at least three full
All buildings, including garages and
outbuildings, shall have exterior walls of brick, stone laid on
its bed, concrete, cement on hollow block, or cement on metal
No more than one family shall live in any
No residential building site can be
No residence shall be used directly or
indirectly for business of any character or for any purpose
other than that of an exclusive private residence.
No trailer, tent, shack, barn, or other
outbuilding is permitted on the property.
No basement or garage can be used as a
residence, temporarily or permanently.
No temporary residences of any sort shall be
Fences are allowed only along the rear line of
the site and the side lines of the site (except as excluded in
Process of Changing Indentures:
The owners of the majority of the front feet of the
building sites may terminate or amend the indentures at the end of every
fifteen (15) years following the first thirty years. A notice of
agreement in writing of their intention to amend the indentures must
filed for record in St. Louis County, Missouri at least five (5) years
in advance to the expiration of the fifteen 15 year anniversary.