We explain HOA law in plain English, but we are not your lawyer and this is not legal advice. Here is why that matters.

A Kentucky HOA amended its way past years of unenforced violations — and collected $28,368.67

A Kentucky HOA amended its way past years of unenforced violations — and collected $28,368.67
Kentucky · Courts

A Kentucky HOA amended its way past years of unenforced violations — and collected $28,368.67

What happened. The Kentucky Court of Appeals affirmed summary judgment, a permanent injunction and an award of $28,368.67 in fees, costs and fines against homeowners who built an outbuilding that did not match their house.1

Roberts v. Ballard Woods Homeowners Association, Inc., No. 2025-CA-0578-MR, was rendered on 10 April 2026 on appeal from Oldham Circuit Court. Judge Cetrulo wrote for a panel including Chief Judge Thompson and Judge Karem. It is marked NOT TO BE PUBLISHED.

The facts

Ballard Woods Subdivision in Oldham County was developed in 2003. The recorded Declaration of Restrictions required homeowners to obtain pre-approval for all “improvements, structures, or other appurtenances” from the developer, created an association to take over that authority, and allowed a 51% majority of homeowners to alter or abolish amendments.

The developer assigned his powers to the association's board in 2016. In February 2021 the homeowners voted to adopt amendments replacing “Developer” with “the Board” and adding a Style Conformity Amendment requiring outbuildings to match the architectural style of the primary residence.

The Roberts then built a shed that did not conform, and had not been approved. The association sued. The circuit court granted summary judgment, entered a permanent injunction, and in May 2025 entered a final order imposing the monetary award.

The waiver argument, and why it failed

The Roberts argued that the subdivision already contained non-conforming outbuildings, so the association had waived the standard. The panel drew a line the argument could not cross:

“[W]aiver could be argued if – after the Style Conformity Amendment was adopted – the HOA arbitrarily enforced that amendment, and then that arbitrary enforcement changed the fundamental character of the subdivision. Instead, the Roberts argue the amendment was waived before it was adopted. Applying waiver in such a way exceeds our caselaw.”

The circuit court's formulation, quoted with approval, was that the property owners “voted to reset the playing field for approval of outbuildings by virtue of the additional requirement.”

The standing point worth noticing

The Roberts also challenged whether the association had authority to enforce at all, because no written instrument documenting the developer's 2016 assignment appeared in the record. The court held that did not create a genuine issue of material fact: the developer had signed the 2003 Declarations, which stated his intent to assign the authority to the association, and the 2021 amendments acknowledged the transfer.

✓ Your Kentucky State Pass is active — the full analysis below is unlocked

What “reset the playing field” actually gives a board

This is the most operationally useful Kentucky decision of 2026 for a board sitting on a community with years of drift.

The familiar bind runs like this. A rule has gone unenforced for a decade; a dozen violations are visible from the street; counsel warns that selective enforcement now invites a waiver defence; the board does nothing, and the drift compounds. Roberts supplies a route out: a validly adopted amendment starts a fresh clock, and pre-amendment non-compliance is immaterial to whether the amendment can be adopted or enforced going forward.

Three conditions carry the weight, and all three were satisfied here:

  • The amendment must be validly adopted under the declaration's own procedure. Ballard Woods required a 51% majority and the vote cleared it comfortably. An amendment adopted by a board without the vote its declaration required gets none of this benefit.
  • The new standard operates prospectively. The Style Conformity Amendment governed the Roberts' shed because they built it after adoption. It did not require existing non-conforming outbuildings to be torn down, and the opinion should not be read as authority for that.
  • Enforcement after adoption must not be arbitrary. The court left the door open on exactly that: waiver could be argued if the association arbitrarily enforced the new amendment and thereby changed the subdivision's fundamental character. A board that amends and then enforces against one owner it dislikes is building the defence it just escaped.

The $28,368.67, and the caution that goes with it

A five-figure award over a shed is a real deterrent, and boards will read it that way. Two qualifications belong alongside it.

First, the figure is fees, costs and fines combined, entered after three years of litigation that the owners took to the Court of Appeals. It is the cost of a fully contested case, not a tariff for a non-conforming outbuilding.

Second, Kentucky's appellate courts scrutinised association fee awards hard in the same twelve-month period. In March 2026 the Court of Appeals vacated an attorney-fee component of a judgment in favour of a different Kentucky association — roughly $51,709 in fees on about $20,000 of unpaid assessments — because the circuit court had performed no reasonableness analysis, and it did so on palpable-error review despite the issue not being preserved. A board reading Roberts as a licence to run up fees should read that decision next.

The paperwork lesson, which is the cheapest one here

The association won the standing point, but it won it on inference — the 2003 Declaration's stated intent plus the 2021 amendments' acknowledgement — because the actual 2016 assignment instrument was not in the record.

That is a win, not a rule to rely on. Declarant-to-board transition documents are exactly the papers that go missing in Kentucky communities twenty years after development: the assignment, the turnover minutes, the resignation of the declarant's appointees, the transfer of the architectural approval power. Where a Kentucky planned community formed after 29 June 2023, the Planned Community Act's declarant-control section, KRS 381.788, governs the surrender of that control and gives the association a statutory framework to document it. Older communities have only their declarations.

A board that cannot produce its assignment instrument should reconstruct the chain now, while the people who were there can still sign an affidavit — not in the middle of an enforcement action.

How this fits with the rest of Kentucky's 2026 covenant law

Read together with two other recent decisions, Roberts triangulates architectural control in Kentucky:

  • An approval requirement is itself the enforceable restriction — a board need not have a rule listing every forbidden thing. The Court of Appeals said so in August 2025 in upholding refusal of a six-foot fence where roughly eighteen of 151 homes already had one.
  • But the more specific your written standards, the less aesthetic veto you retain. In May 2026 the court held that where plans plainly conform to specific and unambiguous covenants, arbitrary rejection is unenforceable.
  • And now: an amendment resets the waiver clock, so a community that has drifted can restore the standard by vote rather than litigate the drift.

What to watch next

Roberts is unpublished, which under the Rules of Appellate Procedure makes it non-binding and citable only in limited circumstances. Kentucky's community-association law is being made almost entirely in unpublished opinions right now, and that is a genuine problem for boards trying to plan: the reasoning is available, the precedential force is not.

A published Kentucky decision on the reset-by-amendment point would be worth a great deal. Nothing currently pending is known to present it.

Related Kentucky HOA Topics

← All Kentucky HOA Topics

  1. Roberts v. Ballard Woods Homeowners Ass'n, Inc., No. 2025-CA-0578-MR (Ky. App. 10 Apr. 2026) (not to be published) — opinion PDF
  2. Blair v. Sanctuary Bluff Homeowners Ass'n, Inc. (Ky. App. 20 Mar. 2026) — fee award vacated for want of a reasonableness review
  3. Strause v. Bradford Grove Homeowners Ass'n, Inc., No. 2024-CA-0788-MR (Ky. App. 22 Aug. 2025)
  4. KRS 381.788, Declarant control period — Surrender of declarant's control

Stay on top of Kentucky HOA law

Every week: new Kentucky legislation, court rulings, and regulatory developments affecting condos, planned communities, and property managers. Free.

Check your inbox to complete your sign up.

No spam. Unsubscribe anytime.