Frequently Asked Questions

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How can I determine if a property is in the SGC HOA area?

You can use the Charlotte County website ccappraiser.com to lookup your property to get the section.

On the blue ribbon near the top left, click Record Search, click Real Property.

You can search by address or owner name.

After you select the record for your property, it's the first 7 characters of the 'Short Legal Description' (PCH xxx)

If your property is in Charlotte County section PCH 058, 071, 078, 081, 082, 085, 087, 093, or 094

then it is in South Gulf Cove and subject to the SGC deed restrictions.

New homes, garages, improvements, fences, paint, must be preapproved by the Architectural Review Committee.

You are also eligible to join the SGC HOA but membership is voluntary.

Even if you don't join, you must comply with the community deed restrictions.

Additionally, section 94 has its own mandatory HOA called the Waterview Property Owners Association.

Owners in section 94 are still subject to the SGC deed restrictions.

You can find more information by clicking here to visit their website.
Is the HOA voluntary?

Yes, the SGC HOA is voluntary. Even if the previous owner was a member,

the new owner has no obligation to join.

Be aware, however, that everyone must comply with the community deed restrictions, even non-members.

Section 94 has their own mandatory HOA called the Waterview Property Owners Association.

You can find more information by clicking here to visit their website.
How much is HOA membership?

HOA membership is only $120 per year, billed in January of each year.

If you join later in the year, the first year amount is prorated at $10 per month.

It's such a little amount to pay to keep up the deed restrictions,

maintain your property value, and enhance the community.

We also have a clubhouse you can rent inexpensively,

a monthly newsletter, and many nice social events throughout the year.

Please consider joining and supporting the community.
How do I become a member of South Gulf Cove HOA?

See the 'Join the HOA' page on our website home page.
Do I need an estoppel letter?

The best answer is MAYBE (it's not up to us!).

Our HOA is voluntary so you might think an estoppel letter is not needed.

But it's really up to the attorney doing the closing/title search.

Many require the estoppel letter just to ensure nothing is owed.

We process a lot of estoppel letter requests.
How can I get an estoppel letter?

The easiest and fastest way is estoppels.com

If you're not in a rush, you can order it via email and pay by check.

Those instructions are on the home page under General Info, Estoppels
How can I get a copy of the HOA Master Insurance Policy?

The SGC HOA does not carry a Master Insurance Policy. It is unnecessary per Florida statutes.

The SGC HOA is voluntary HOA and is not a Planned Unit Development (PUD).

Many mandatory HOAs are considered PUDs and under HUD,

Fannie Mae and Freddie Mac guidelines, the title companies or mortgagor must obtain a Master Insurance Policy.

The key provision here is "mandatory HOA.”

For further information, click here to email the secretary.
What are the restrictions on building a home, adding a shed or fence?

The deed restrictions apply to every property in the community, whether you are a member or not.

You can find the deed restrictions on our website homepage under General Info, Architectural Review.

ARC is the Architectural Review Committee. They must review and approve your plan before you start.

Please review the restrictions and forms on the website.

If you have any questions, email ARC@southgulfcovefl.org

Provide your name and phone number if you want to speak to someone.
Does the HOA have any restrictions on home rental leases, agreements, contracts?

No. There are no rental restrictions, but the property must not become a nuisance, and the tenants must comply with noise, parking and all other local ordinances.
How can I get a street/canal map of South Gulf Cove?

Click here to download or order a printed copy.
I'm buying a waterfront lot in Section 94 of SGC. What approvals do I need to build a dock or seawall over the green belt?

The HOA for section 94 has streamlined the process for dock/seawall approvals.

Click here to visit their website for the latest information.

Click here to email Steve with any question about Section 94.
The mosquitos are attacking. How can I get them sprayed?

Call the county Mosquito Control number 941-764-4370.

Press 1 for Mosquito control, then leave your name and address on the recorder.

They will spray the areas with the most complaints.
Someone dumped trash, how can I get it cleaned up?

Call the CCSO Illegal Dumping number 866-938-6722 to report it.

They will send someone to clean it up.
How can I report a complaint/concern about something in SGC?

Most of the issues people complain about are Charlotte County code violations.

Use the online Citizen Access Portal and follow the Instructions How to Report or Track a Code Violation Online.

To report other suspicious or illegal activity, call the Charlotte County non-emergency number 941-474-3233

For all other complaints/concerns, please click here to email our HOA President.

Please include your name and phone number so he can discuss with you.
Where are the parks and boat ramps?

Click here for Community Facilities.
Who are the internet service providers?

Many communities in our area have limited access to a true high speed internet service provider.

Several years ago, our HOA researched vendors and secured a deal with Blue Stream to provide

fiber optic service to every property in SGC. Speeds from 100MB up to 1GB are available.

Click here for more information.

Another option is Century Link which uses older DSL technology over telephone lines.

Speeds up to 50MB are available in some neighborhoods, depending on the distance

between your home and the vendors junction box.

Click here for more information.

The only other options are cellular and satellite service providers.
Is cable television available?

No. Most people stream television channels and movies over high speed internet.

You can also use a roof top (or attic) antenna to receive broadcast television from Fort Myers.

If you have a larger rooftop antenna, you can receive broadcast television from Tampa.

For more information, email Tech@southgulfcovefl.org
What utilities are available?

Every property has city water, sewer, electricity, phone, and fiber optic internet available.
Who do I contact for water/sewer/trash service to my home?

Charlotte County Utilities at 941-764-4300.

Click here to see our Welcome Booklet with a complete list of utilities/service providers in the area.
What is the boat clearance under the bridges in SGC?

9 feet
How does the 'Lock' work?

The lock is owned and maintained by Charlotte County.

You do not have to be an HOA member to use the lock, it is open to anyone.

The county provides an operator during daytime hours, so approach

cautiously until the operator sees you and opens the gate on your side (green traffic light).

Do not block the flow of traffic, there may be boats trying to exit the lock.

The operator will manage the flow of boats in/out of the lock often in groups up to 5 boats.

For other hours, the lock is self-operated.

The instructions, information, and contact info are here
Where can I learn about fishing in the area?

Fishing Franks has been in the area for decades.

Click here to visit their website with fishing locations, fish identification, recent fishing reports, and a lot more.
Parking of boats, trailers, etc?

See Charlotte County Codes: Here is a link to the codes as of 6/21/2016.
Who do I contact if there are bees on my property?

Bee Keepers for Property Owners Assistance:

Earl Russell 941-380-2974 or 941-743-2302

Chris Carey 941-716-4251

Robert Van Derherchen 941-474-6083 or 941-474-5491

If you see commercial bee hives within SGC,

use Contact Us to email the President

Visit Us:

14859 Ingraham Blvd.
Port Charlotte, FL 33981

Meeting Info:

MEETINGS HELD ON THE
THIRD WEDNESDAY OF
EACH MONTH AT 7:00 PM
- EXCEPT FOR JULY
AND AUGUST.