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Covenants

ByLawsAsAmendedIn 1998

THE ESTATES OF JUDITH'S FANCY

AMENDED AND RESTATED DECLARATION

ESTABLISHING RESTRICTIVE COVENANTS

CHRISTIANSTED, ST. CROIX

U.S. VIRGIN ISLANDS

(As Revised)

February 25th, 1998

                THIS AMENDED AND RESTATED DECLARATION (“Declaration”) is made and filed by the ESTATES OF JUDITH'S FANCY OWNERS' ASSOCIATION INC. (“Association”), a non-profit corporation under the provisions of Title 13, Chapter 3 of the General Corporation Law of the Government of the United States Virgin Islands, and contains revisions to the Declaration Establishing Restrictive Covenants, filed by the Association, dated February 24, 1982, and recorded in PC 305-M, Page 237, in the Office of the Recorder of Deeds, Christiansted, St. Croix, United States Virgin Islands, as amended by document filed on April 26, 1989 and recorded in PC 317, Page 204. The amendments were duly adopted by the board of directors and members. This document contains all the amendments adopted through the Annual Meeting held on February 25, 1998.  The Declaration is hereby amended and restated as follows:

 

WITNESSETH:

 

                WHEREAS, the Estates of Judith's Fancy Owners' Association, Inc. acquired title to Remainder Estate Judith's Fancy, Matr. No. 1, North Side Quarter B, Matr. No. 1, Queen's Quarter, and Matr. No. 34, Company Quarter (comprising 336.534 U.S. acres, more or less), St. Croix, Virgin Islands of the United States, by Warranty Deed dated 2/12/57, recorded in the Office of the Recorder of Deeds, Christiansted, St. Croix, V.I. in Photocopy register No. II, Page 175, Document No. 701; and

 

                WHEREAS, by the provisions of said Warranty Deed, the Estates of Judith's Fancy Owners' Association was granted the right to construct and maintain over and upon Plots Nos. 1,2, and 3 of estate Judith's Fancy, a system of roadways, water, sewage drainage, power and telephone, and in the same deed it was declared that said Plots Nos. 1, 2, and 3 would be subject to all reasonable and uniform covenants and restrictions which may hereafter be placed of record in the  interest of making the entire estate, together with said Plots 1, 2 and 3, a planned subdivision for the protection of all landowners therein; and

 

                WHEREAS, the Estates of Judith's Fancy Owners' Association, Inc. has already constructed a system of roadways and has cleared, graded, filled and otherwise improved and subdivided the entire area of Estate Judith's Fancy; and

 

                WHEREAS, it is now deemed to be in the best interests of all present and future owners of the subdivided plots of Estate Judith's Fancy that there be recorded a declaration reciting certain covenants, conditions, easements and restrictions running with the land in order to provide for uniformity within the residential areas of Estate Judith's Fancy and to insure the enforceability thereof;

 

                NOW, THEREFORE, in consideration of the premises and pursuant to prior recorded deed and declaration, the Estates Of Judith's Fancy Owners' Association, Inc. hereby declares that the covenants, conditions, easements, and restrictions hereinbelow set forth shall be covenants running with the land and shall be spread of public record covering the real property situate in Estate Judith's Fancy.

 

SECTION I.   GENERAL CONSIDERATIONS:

 

                1. Governing Body.  The Estates of Judith's Fancy Owners' Association, Inc. by its Board of Directors, shall be empowered to enforce all the provisions set forth in these covenants.

 

                2.  Membership.  During the pendency of their ownership, all persons who individually, jointly, or as tenants in common are the recorded owners of a fee interest in one or more plots shall be deemed to be Members of the Judith's Fancy Owners' Association, Inc., with the exception that persons or entities who hold an interest merely as security for the performance of an obligation shall not be deemed members. All members of the Association shall be bound by its Articles of Incorporation, the Restrictive Covenants, By-Laws and such rules, regulations, and assessments as the  Association may promulgate.

 

                3.   Violations.     In addition to any other remedies enumerated herein, these Restrictive Covenants, the By-Laws of the Association and any Rules or Regulations adopted pursuant thereto shall be considered to confer specific legal rights and obligations between the Association and any of its members may individually or collectively enforce the rights and obligations by Injunction or as otherwise provided by law.

                The Association, by its Board of Directors, shall have the authority to levy and assess penalties for violation of this declaration. Such penalties may, in order to encourage compliance, be levied and assessed for each day of continued violation. Any penalties so assessed shall constitute a lien on the plot or parcel in connection with which they were assessed and shall be enforceable by suit or by foreclosure as an assessment of the Association as is provided in the By-Laws.

 

                4.  Notification of Sale.  Whenever any member transfers his interest in any plot or plots in the Estates of Judith's Fancy to any transferee, he shall provide the transferee with copies of the Articles of Incorporation, the Restrictive Covenants, the By-Laws of the Association, and any Rules and Regulations then in effect. These copies shall be available from the Secretary of the Owners' Association. Prior to any transfer, such transferring member shall also provide the Secretary with the names, addresses, and telephone numbers of all transferees. Upon transfer, the transferor's membership in the Association shall terminate, and the transferee shall be determined to be a member of the Association, if he is otherwise qualified.

 

                5.  Survival and Validity of Terms.  These covenants shall be binding upon and inure  to the benefit of the Estates of Judith's Fancy Owners' Association, Inc., other owners and future owners of the land described in this declaration and upon any and all persons having any right, title, estate, lien, successors and assigns. The failure on the part of any of said parties at any time to enforce any of said covenants shall not be deemed to be a waiver thereof, or to be a waiver as to existing or future violations. The invalidation of any of these covenants by the judgment, decree or order of any court shall not affect the validity of any of the remainder of said covenants by the same shall remain in full force and effect as herein provided.

 

                6. Remedy on Breach.  No right of forfeiture for the violation of any of these covenants is reserved.  Any member of the Association shall be entitled to a decree of injunction against any violation or threatened violation or continuing violation and said member shall be entitled to recover his costs and reasonable attorney's fees in such action.

 

                7.  Termination of Covenants.  These covenants shall be effective and run with the land for a period of ten (10) years from the date hereof, after which time  said covenants shall be automatically extended for successive periods of ten years unless amended or revoked by action of a majority of the Members of the Association.

 

SECTION II.  BOUNDARIES AND EASEMENTS:

 

                1.  Subdivision. There may be a subdivision of any plot or plots into two or more sub-plots but any such sub-plot shall not have an area of less than three-fourth (3/4) of a U.S. acre. Any such sub-plots shall be renumbered and assessed as an individual plot.

 

                2.  Roadway Easement.  All members of the Judith's Fancy Owners' Association, Inc., shall have a perpetual easement over and upon all roadways as constructed, located, or relocated by the Association.

 

                3.  Utility Easement.  The right is hereby reserved to the Estates of Judith's Fancy Owners' Association, Inc., to an easement in, through, and over narrow strips of land, ten (10) feet in width, alongside all boundary lines of each plot to provide access for installation and maintenance of utility services with all devices that it may deem appropriate in connection therewith. Such utility services may consist of, but are not limited to, power, telephone, water, sewage, security lights, cable TV, drainage, irrigation, rubbish removal, and fire lanes.

 

SECTION III.  BUILDINGS AND STRUCTURES:

 

                1. Permitted Structures.  There shall not be constructed, erected, or placed upon any plot or permissible sub-plot in the Estates of Judith's Fancy more than one single family, private dwelling with appropriate  facilities and outbuildings.

 

                                A. Dwelling, as used herein, means a main residence used to house one family.

 

                                B. Appropriate facilities, as used herein, shall mean such structures as a swimming pool, tennis or volley ball court, fences, retaining walls, windbreaks, wells, driveways, solar panels, windmills, cisterns, and one apartment with or without kitchen and bath facilities within the main dwelling for the use of  guests or domestic employees, the use of which is incident to the use of the main dwellings.

 

                                C. Appropriate outbuildings, as used herein, shall mean a garage, tool house, hothouse, bath house, cabana and one guest or servant house with or without kitchen and bath facilities, the use of which is incident to the use of the main dwelling.

 

                2.  Temporary Structure.  No garage, trailer, tent or any other structure of a temporary nature shall be used for residential  purposes prior to, during, or after the construction of the main dwelling.

 

                3.  Minimum Requirements. All dwellings, facilities, and outbuildings must conform to the general value, design, and construction quality of the existing structures in the Estates of Judith's Fancy. A dwelling without guest or servant quarters shall consist of a minimum of fifteen hundred (1500) square feet of living space. Living space shall be defined as that area of the premises which is enclosed and under roof. If guest or servant quarters are included the minimum shall be two thousand (2000) square feet of living space.

 

                4.  Building Lines. No dwelling, facility, or outbuilding shall be constructed within twenty (20) feet of any boundary line. Where two or more adjacent plots are combined within one title and ownership, then the reference to the boundary lines herein shall be to the perimeter or outside boundaries of the combined plots. In the event the construction  of such structures as retaining walls, fences, windbreaks, or drainage ditches is deemed desirable, application for relief from the twenty foot limitation may be made to the Board of Directors, which relief shall not be arbitrarily or capriciously withheld.

 

                5.  Excavations.  Sand, gravel, or dirt shall not be excavated within the Estates of Judith's Fancy except on the members plot for the purpose of constructing drainage ditches, roads, driveways, improving gardens or grounds, or preparing the foundations of any dwelling, facility or outbuildings thereon. Any excavation of an improved or unimproved plot must be  filled and land returned to its original contours if progress of construction is abandoned or delayed for a period exceeding ninety (90) days, unless extension is granted by the Board of Directors, which extension shall not be arbitrarily or capriciously withheld. In the event of a violation of this provision, the Association shall be empowered to enter on the property and perform whatever acts may be necessary to return the property to its original contours and condition. The Association shall have a lien upon the   property for any necessary expenses associated therewith.

               

                6.  Construction Permits.

 

                                A. Any dwelling, facility, or outbuilding to be constructed, altered, or rebuilt  or any excavations or land changes in the Estates of Judith's Fancy must have all the required  Virgin Islands permits as well as a written Construction Permit from the Board of Directors. This permit shall be issued unless the Board determines that said construction does not comport with the provisions of the Covenants, the By-Laws, or any Rules or Regulations then in effect. The Board may enforce this provision by Injunction or as otherwise provided by law.

 

                                B. Construction Permit Procedures.  In the interest of maintaining safety as well as an appealing image for the community residents and visitors, the construction process must be regulated. The Estates of Judith's Fancy Owners' Association permit procedure is designed solely to enhance the appearance and livability of all Judith's Fancy owners. The Estates of Judith's Fancy Owners' Association, Inc., its agents or committees, have no responsibility other than to further this aim to the best of its ability.  To obtain a construction permit you must follow the guidelines.

 

                                                (1.) The plan approval application must be submitted to the Building Construction Permit Committee along with the following documents before the plan will be reviewed to see if it meets all of The Estates of Judith's Fancy Owners' Association criteria.  The plans and documents submitted are for the Judith's Fancy building construction permit committee and archives, if they are approved they will not be returned. At the time the plans are submitted the house must be staked out on the lot. The documents required are:

 

                                                                a. House plans which shall include all floor plans, all elevations  and  all roof plans;

 

                                                                b. A survey made by a licensed surveyor which shows all existing roads, utilities and other improvements, property lines with dimensions and bearings, base building lines, existing contours at 5 ft intervals above sea level, and all other site features such as drainage structures, etc., North arrow, title with name of legal owners, and name, address, phone and license number of surveyor;

 

                                                                c. A site plan which indicates the plot elevation as well as the layout of all proposed buildings, outbuildings, driveways, swimming pools, decks, septic tanks, drain fields, wells, fence, etc.;

 

                                                                d. A site Profile.

 

                                                                e. A schedule of construction including the estimated start date and completion date.

 

                                                (2.) The plans will be reviewed by The Construction Permit Committee as well as the adjacent property owners if appropriate.  Approval of the plans will be in writing on a Judith's Fancy Owners' Association form.  Approval of the plans does not constitute authority to build.  Authority to build requires the Construction Permit Committee's Construction Permit as well as the required permits from the Virgin Islands Government.

 

                                                (3.) A construction permit can be issued after the plans have been approved by the Construction Permit Committee and copies of the approved Virgin Islands building permits are presented. No construction permit will be issued for any property on which there is any unpaid Estates of Judith's Fancy Owners' Association assessments.  Prior to issuance of a construction permit, a $2000 Performance Bond (cash or certified check) must be deposited with the Association.  This deposit is to ensure compliance with the plans that were approved by the Judith's Fancy Construction Permit Committee, and for any necessary site maintenance and for correction of any damage to streets, road shoulders and common areas.

 

                                                (4.) The Construction Permit will be valid for a period of 12 months from the date of issuance. An automatic extension will be granted for thirty additional days upon written request. Any request for further extension will be judged on its merits. Lack of funds to complete the project will not be considered a good reason for the request. If an extension request is not made and/or approved a non completion penalty of $25 per day will be placed against the property for every day that the building is not complete. This penalty will continue to be applied until the building has received a final inspection and approval from the Judith's Fancy Construction Permit Committee.

 

                                                (5.) The Owner/Contractor must contact the Building Committee in writing and request an on site inspection after the footings/ foundations are dug and formed but before they are poured to ensure compliance with the approved plans. Failure to do this will result in loss of the total deposit. This inspection will be made within 48 hours of the time it is formally received. Additional inspections while the construction is in process will be conducted regularly by members of the Construction Permit Committee.

 

                                                (6.) A change application must be submitted for any changes desired during construction that alter the elevation size, exterior resign, location or the roof of the house from that which was originally approved. Drawings may be necessary and required by the Construction Permit Committee.

 

                                                (7.) Final inspection will be made after the contractor has completed construction, including all site work and basic landscaping, cleaned site of debris, removed contractor signage and any temporary utilities, and notified the board in advance of finished date. The deposit will be returned in full if all requirements are fulfilled.  If clean-up and/or amendments to the construction site need to be made by the Estates of Judith's Fancy Owners' Association, the cost will be deducted from the deposit.  The Estates of Judith's Owners' Association and its agents assume no responsibility for inspecting construction in progress for compliance with approved plans. The owner assumes full liability for failure of construction to comply with approved documents.

 

                                                (8.) At the completion of construction the request for final inspection deposit refund form must be submitted. A member of the Construction Permit Committee will verify compliance with the construction documents. This approval is necessary before the Certificate Of Occupancy is granted by the Construction Permit Committee. Full compliance will result in the return of the $2000 Performance Bond.

 

                7. Building Site Regulations

 

                                A. New construction shall conform to the quality and ambiance of existing homes, in order to preserve and enhance the appearance of the subdivision.

 

                                B. Buildings shall be designed and located on the site in a manner that will least block the view of other properties, developed or undeveloped, and the construction committee shall interpret and apply these regulations so as to carry out the spirit of such expressed intent.

 

                                C. Definitions:

 

                                                (1.) The highest natural elevation of a plot shall be defined as the average elevation of the highest twenty percent of the undisturbed area of the lot. It is not intended that a spur or artificial anomaly shall determine the elevation.

 

                                                (2.) No building shall contain a second floor except and unless the plane of that floor intersects the natural slope of the lot. That is, a building located on the side of a steep slope may include a second story (but in any event no more than a second story) provided that the overall height of the building does not exceed the maximum allowed below.

 

                                                (3.) No floor shall be built more than four feet zero inches (4'0") higher than the highest natural elevation of the plot as defined above.

 

                                                (4.) A space built below the grade of the building, such as a cistern, carport, or utility room, shall not be considered a floor for the purposes of the regulation, but under no circumstances may such space be used for living accommodation or any other domestic purpose.

 

                                                (5.) No building shall be constructed with a maximum roof height in excess of eighteen (18') feet above the floor, if a single story building, or twelve (12') feet above the second floor of a two story building.

 

                                D. Swimming pools must be secured by a wall or fence to prevent accidental drowning.

 

                                E. All fences and walls on boundary lines must be submitted for approval to make sure that they do not obstruct views or safety.

 

                                F. Hours for construction will be Monday through Friday, 7:00 a.m. to 5:00 p.m., Saturday 9:00 a.m. to 5:00 p.m.. On Sundays and Federal Holidays no construction or material deliveries permitted; no heavy machinery, contractors or disturbances permitted. In case of extreme hardship, holders of Judith's Fancy building permit may apply to the Board of Directors for relief from these regulations with due consideration to the objections of abutters and neighbors. Water trucks and household delivery vehicles are not restricted be these hours.

 

                                G. The Owner or his Agent shall pick up and discharge all workmen at the gate.

 

                                H. Vehicles will be allowed into Judith's Fancy only upon the Owner's or Agent's specific authority.

 

                                I. The Association reserves the right to charge a homeowner directly for repairs made necessary by his construction or deliveries.

 

                                J. All final power, telephone, and cable TV hookups must be underground from the pole to the house and/or outbuildings.

 

                                K. Any clearing, grading or building on a site without approval by the Judith's Fancy Construction Permit Committee will result in the suspension of work and denial of access to the contractor and his employees.

               

                                L. During construction all trash, debris, and waste shall be contained daily and not exposed to public view. Burning is not permitted. The Judith's Fancy Owners' Association reserves the right to clean the site as needed due to noncompliance, and the owner will be charged the cost of such work.

 

                                M. A driveway must be constructed and it must be graveled or paved at least 50 feet from the street pavement before starting construction. Discharge of soil, gravel, stone, etc. upon the subdivision roads or adjacent property must be effectively controlled. Drainage culverts, if needed, must be installed prior to  construction.

 

                                N. The owner must provide adequate toilet facilities for the workers on the job site in a discrete location.

 

                                O. A separate written request must be made to the Construction Permit Committee if a temporary construction facility of any type is desired. This temporary facility must be removed before final inspection. In no case is a temporary facility to be used as a living facility.

 

                                P. The project must present a finished appearance including site cleaning and basic landscaping and pass a final inspection by the Construction Permit Committee in addition to having a Virgin Islands Occupancy Permit before it can be occupied.

 

                                Q. All Estates Of Judith's Fancy Owners' Association, Inc. plantings, fixtures, fences and landscaping which are damaged during construction or after by vehicles, fire or  other cause, on or off site, including streets, shoulders and common areas, shall be repaired or replaced by the Owner.

 

                                R. The Owner will be responsible for the Contractor's actions during construction. Contractors are responsible for the actions of their employees while they are in Judith's Fancy.

 

                                S. Paving, building and drainage systems should preserve the natural grade, run-off and vegetation. Erosion and silt control measures must be employed during and after construction. Surface drainage must be collected/restricted on site and not cause damage to adjacent properties as a result of construction.

 

                                T. Judith's Fancy has designed a sign to be used for the display of permit numbers, contractor, and architect signs. No other signs will be permitted.

 

                                U. In order to prevent accidents from occurring due to steep drop-off, owners of properties down-slope from Judith's Fancy roads must provide a suitable barrier.

 

                                V.  Expenses incurred in reviewing building applications and checking compliance with the covenants shall be charged to the account of the applicant, who may elect to pay them from the deposit.

 

                8. Waivers of Building Site Regulations Requirements. The Board is authorized to waive Building and Site Regulations for side and and rear yard setbacks if a written agreement including agents, successors, and assigns by any property owners encroached  upon by an existing or proposed improvement is presented to the Board of Directors. If the Board agrees with the property owners' agreement, it may approve such waivers with a two-thirds majority vote of the Board of Directors.

 

SECTION IV. COMMUNAL LIVING REGULATIONS.

 

                1. Dumping. The dumping of any house or garden trash or garbage anywhere within the Estates of Judith's Fancy is forbidden. This regulation shall not preclude the non-odorous composing of organic materials for use in gardening on the owner's plot. Association members are responsible for any infringement of this regulation on the part of any tenants or guests.

 

                2. Cutting of Grass and Shrubs. Owners of both improved and unimproved plots are required to keep trees, grasses, and shrubs trimmed ten (10) feet back from all roads for optimum vehicular safety and general appearance.  In order to afford the residents of Judith's Fancy the optimum protection from brush fires and trespass, it is required that both improved and unimproved properties keep brush and grasses to a minimum. The Board is authorized to establish reasonable rules to enforce this provision, including regulations as to the maximum height of grass, shrubs, and brush. The Board shall provide reasonable notice to any member whose property is in violation of this provision. The Board shall be authorized to enter upon the affected property and perform such acts as shall be necessary to place said property in conformity with this provision. The Board is authorized to bill the affected member for all expenses reasonably incurred in enforcing this provision, and shall have lien against the affected property for any sums not paid.

 

                3. Restricted Activities and Uses. There shall be no manufacturing, merchandising or conduct of any trade, business, or profession within the Estates of Judith's Fancy. This restriction includes such things and activities as, but is not limited to, : hotels, guest houses, restaurants, bars and/or other places for the sale of food or beverages, cemeteries or burial plots, repair shops, stores or sales rooms, commercial gardening, dairying, poultry raising, kennels, and stables. This restriction shall not preclude the purchase of a  plot or plots by the Estates of Judith's Fancy Owners' Association, Inc. for the construction and maintenance of a recreational center for the use and benefit of all members and residents. Such a recreational center would have the right to sell food and beverages and such other services as may be deemed appropriate.

 

                4. Noise Abatement.  Residents of Judith's Fancy enjoy the special advantages of a combined indoor/outdoor lifestyle. Disturbing the peace occurs when mechanical or electronic sounds, the barks of dogs, and other loud noises permeate the surroundings with noise levels which infringe on other residents. All excessive noises, including the continual, unceasing barking of dogs which goes beyond the normal function of guarding property, shall be considered a disturbance of the peace.

 

                5. Road Safety.  No resident of the Estates of Judith's Fancy shall permit or encourage the use of the roads as play areas for children. All vehicles using these roads must be licensed by the Government of the Virgin islands. As all our roads are narrow, all drivers must observe a reasonable and  prudent speed limit, which shall be determined by the Board and posted.

 

                6. Rental of Property.  The following regulations shall govern the rental of property in the Estates of Judith's Fancy:

 

                                A.  The Living Quarters on any one plot may be rented to no more than a single family unit or to one individual.

 

                                B.  No subletting of rooms or other living quarters is permitted.

 

                                C. The only multi-family use  of a rental property permitted is when a member retains the use of either the main dwellings, or an apartment, in residence.

 

                                D.  The owner is responsible for officially notifying any tenant, short or long term, of the provisions of the Covenant and the By-Laws and is additionally responsible for the conduct of all tenants and guests.

 

                7. Pet Regulations.  The following regulations shall govern the keeping of pets in the Estates of Judith's Fancy:

 

                                A. No animals other than domestic pets may be kept in Judith's Fancy. Domestic pets include: cats, dogs, birds, and other small caged animals that can be kept in the home. Aquarium fish are also permitted.

 

                                B. No "farm" animals, to include but not limited to horses, cows, sheep, goats, pigs, or poultry are permitted.

 

                                C. No pet which constitutes a nuisance to other residents is permitted.

               

                                D.  Each household shall be limited to four (4) adult pets. A pet is considered adult at the age of three (3) months.

 

                                E.    All Virgin Islands laws requiring the licensing of pets must be complied with.

 

                                F.  All dogs must be restricted to the owner's property or be under the direct control of the owner or other responsible adult when off the property.

 

                                G.  The Board shall have the power to enforce this provision by Injunction or as otherwise  provided by law.

 

                8. General.  No resident of the Estates of Judith's Fancy shall maintain or conduct or allow to be maintained or conducted by his or her children, tenants, or guests any thing or activity which under normal and reasonable community relationships can be considered an annoyance or nuisance to the other residents. In addition, the Owner is responsible for providing information to the Board of Directors regarding  all persons and their motor vehicles who are normally resident at Owner's property including their full name, telephone number in Judith's Fancy, relationship to the Owner (e.g. relative, guest, rental tenant), and vehicle information. Any persons or vehicles not registered maybe denied entry. The Board shall have the power to enforce this provision by Injunction or as otherwise provided by law or by assessment of fines..

 

*   *   *   *   *

 

                A complete and accurate copy of the Bylaws of the Association is attached hereto.

 

                The undersigned, being the President of the Association, hereby certifies that the foregoing amended and restated declaration contains the amendments made to the original Declaration Establishing Restrictive Covenants, filed by the Association, dated February 24, 1982, as duly approved by the Board of Directors and a majority of the members of the Association at the Annual Meeting held on February 25, 1998.

 

                This Amended and Restated Declaration is signed by the Association this _______________________, 1998.

 

WITNESSES:                                                                                        ESTATES OF JUDITH'S FANCY OWNERS'

                                                                                                                ASSOCIATION INC.

 

 

                                                                                                                By: _______________________________________

                                                                                                                       Robert L. Musser

                                                                                               

                                                                                                                ATTEST:

 

 

                                                                                                                By:________________________________________

                                                                                                                                                                                , Secretary

 

 

TERRITORY OF THE VIRGIN ISLANDS

DIVISION OF ST. CROIX

 

                The foregoing instrument was acknowledged before me this _______ day of ________________, 1998, by Robert L. Musser, President of the ESTATES OF JUDITH'S FANCY OWNERS' ASSOCIATION INC., a nonprofit corporation, on behalf of the corporation.

 

                IN WITNESS WHEREOF, I hereunto set my hand and official seal.

 

 

(NOTARY SEAL)                                                                                                                                                                

Print Name:__________________________

Notary Public Territory of the Virgin Islands

No. ________________________________

Qualified in Judicial District of St. Croix

Commission Expires:__________________

slh/re/JudFancyAmendDeclCovenants.doc

 

 

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