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Morgan Creek Covenants, Conditions, and Restrictions (CC&Rs) / BYLAWS

Covenants, Conditions, and Restrictions (CC&Rs)

The Declaration of CC&Rs is the legal document that lays out the guidelines for the planned community. The CC&Rs are recorded in the county records in the county where the property is located and are legally binding. This means that when you purchase a lot or a home in a planned community, for example, you automatically become a member of the HOA. Basically, the CC&Rs are the rules of your neighborhood. They govern what you can, cannot, or must do with respect to your home.


An HOA, which is typically set up as a nonprofit corporation, is an organization established to manage a private, planned community. Like other corporations, the HOA is governed by a board of directors (who are elected by the members) and a set of rules called bylaws. ​The bylaws govern how the HOA operates and contain the information needed to run the HOA as a business. For example, the bylaws cover matters such as:

  • how often the HOA holds meetings

  • how the meetings are conducted

  • the duties of the various offices of the board of directors

  • how many people are on the board, and

  • membership voting rights.

You should take the time to familiarize yourself with both the CC&Rs and the bylaws, so that you are aware of any neighborhood restrictions and you fully understand how the community operates.

Link to CC&Rs /Bylaws

Q: What should I do if I think a neighbor is violating our rules?

A: Report the violation to the Community Manager by using this form: Report a Violation 

Q: How does the Association enforce its rules? 

A:  Our primary goal is compliance with the Association's CC&R's, Rules and Architectural Guidelines.  To that end a Courtesy Notice is mailed to the property owner when a violation is identified or has been reported to the HOA.  In many cases this reminder is the only notice required to gain compliance.  However, if the violation is not remedied after the 2rd notification, the association may impose a fine against the property owner.  Fines can continue to be assessed until the violation is cured.

Q: I got a courtesy notice of a violation.  What should I do?

A: This is the easy one.  Simply take care of the problem noted in the violation letter and no further action will be taken so long as the violation doesn't reoccur.

Q: I got a fine violation letter.  What should I do?

A: Take care of the problem and pay the fine.  If you think the letter was sent to you in error, contact the Community Property Manager.


Q: When do fines have to be paid?

A: Within 30 days of the date of the violation letter imposing the fine.  A $15 late fee will be assessed if the fine is not paid within 30 days.

Q: What happens if the violation is not cured after the Courtesy notice is sent?

A: Upon the 3rd notification to the homeowner, the Association begins to assess fines against the owner.  The amount of the 1st fine is $100.

Q: Can I appeal a fine or violation?

A: Yes, you can appeal the fine to the Board of Directors by sending a letter to the Community Property Manager.  You should clearly state any extenuating circumstances in your letter.

Q: Renters are not taking care of the property, how does the Association handle that situation?
A:  Under our CC&R's, the OWNER, is responsible for compliance so correspondence, fines, etc. are directed to the owner as he/she is responsible for their tenant’s compliance.

Q: What happens if I don't pay a fine?
A:   A reminder letter is sent.  If that is not successful, the matter is first turned over to our collection agency then, if necessary, to the Association's Attorney for collection remedies available to us under State and Federal Law.  All costs associated with collection efforts are assessed against the owner.

Q: I reported a violation but nothing has changed.  What's going on?
A:  Remedies for violations are established by State law and our Rules.  The HOA must follow procedures, which takes time, to ensure that compliance efforts will ultimately be successful.  You should also be aware that each year bills are introduced in the State legislature to further restrict authority to enforce our CC&R's - you can help by participating in efforts to defeat such bills.


Q: I received a fine letter but didn't get a courtesy notice.  Why didn't I get a courtesy warning letter?
A:  This is probably a recurring violation where you already received a courtesy letter for the same violation within the past 6 months.  Reoccurring violations after 2 notifications within a 6 month period go straight to fines being levied as the owner was previously notified of an activity in violation of our neighborhood rules.

Q:  The violation has been going on and on and I'm tired of it.  Why can't the Association just go in and fix the problem?
A:  Under extreme situations, generally related to public health and safety, the Association has the authority to do this but we are subject to additional laws regarding trespass and additional legal procedures.  Because it involves a substantial outlay of Association funds for what is clearly the responsibility of the Owner, the Board carefully considers its fiduciary duty to the entire membership before undertaking such action.


Q: When are HOA Dues sent out?
HOA Dues are mailed out to Morgan Creek Homeowners the last week of February each year and are due by the last day of the following month (i.e., March 31st). Starting in 2019, the HOA Board voted to split up the HOA dues into two payments of $200. One payment of $200 is due the end of March and the second payment of $200 will be due six months later, the 30th of September. This was changed as an effort to help Morgan Creek Homeowners better budget for this expense. Any homeowner is welcomed to pay their dues in full, if they so choose.

Q: How do I pay my dues?
A:  There are currently (2) acceptable avenues to make payment. These are...

      1.  Mail your payment using the payment return address included on the received invoice; or

      2.  By paying online through pay lease. The link can be found within the website under 'pay HOA


Q: Why do I have to pay the $400 Annual Dues?
Almost every planned community is run by a homeowner’s association (HOA), which is made up of all the owners in the development. The HOA’s obligations are set forth in the governing documents for the development (such as Articles of Incorporation, Bylaws, and a Declaration of Covenants, Conditions, Restrictions and Easements (CC&R’s), and sometimes separate Rules and Regulations). Among the HOA’s main obligations is to maintain, repair and replace the common areas.


The HOA calculates the amount of dues it needs to collect based on its annual budget, after estimating the ongoing operation and maintenance expenses for the common areas. These costs might include such things as landscaping services for common parks, utility bills, maintenance, insurance, taxes, etc.


The budget also accounts for a reserve fund for anticipated common area repair and replacement costs (which might include such items as the cost dilapidated fencing, common area amenities, sprinkler repair, pond maintenance, etc.)  

Q: What happens if I don't pay my Association Dues?
A:  You will received at least two reminder letters by mail.  If payment is still not received after 90 days post due date, the matter is first turned over to our collection agency and a Lien in the amount of the delinquency is placed on the indebted's Home. If collection attempts are unsuccessful, the account will be turned over to the Association's Attorney for collection remedies available to us under State and Federal Law.  All costs associated with collection efforts will be assessed against the homeowner.

General Questions

Q: What is an HOA?
A: An HOA is a non-profit corporation registered with the State and managed by a duly elected Board of Directors. Its purpose is to maintain all common areas and to govern the community in accordance with the provision of the legal documents: CC&R's, Bylaws, and Articles of Incorporation. The corporation is financially supported by all members of the homeowners association. Membership is both automatic and mandatory.


Q: How can I volunteer for a committee or the Board?
A: Board - The Morgan Creek HOA Board is elected each year during the annual Neighborhood HOA Meeting. If you wish to run for the Board, please attend in person to have your name entered onto the ballot.

Committees - to join one of our neighborhood committees, navigate to our Committee Signup page and provide your contact information for the committee you wish to join.  A committee member will contact you with details.


Current Committees in Morgan Creek are:

Beautification Committee

Welcome Committee

Clean-up/Working Party Committee

Covenant Committee

Q: Who should I contact if I spot a burned out street light?

A:  All street lights in the neighborhood serviced by OG&E. To report a street light outage, please contact their Customer Service from 8 a.m. to 5 p.m. weekdays at 405-272-9741 or 800-272-9741.

Q: What should I do if I see or suspect suspicious activity within the neighborhood?

A:  Call 911 to report what you saw or are seeing. This is the safest, fastest, and most effective way to ensure we all maintain a safe community for us all.

Q: Can I reserve the common areas (i.e., Pavilion, Soccer field, Baseball Field)?

A:  Yes, as a Homeowner within Morgan Creek you have access to all available neighborhood amenities when not reserved by another Morgan Creek Homeowner. To reserve, navigate to the Request Common Area Page within this website.

Q: Have a question we haven't addressed?

A: Contact our Community Property Management Company Representative - Neighborhood Services. They will ensure your request/question is routed to the board to review.

Phone: 405-348-1436



Q: What activities require an Architectural Review? Do I need one?

A:  Almost any construction (New, Remodel etc.) within Morgan Creek requires an Architectural Review and Approval.


In accordance with the Morgan Creek Declaration of Covenants, Conditions and Restrictions, Section 4, no Structure shall be placed, erected, or installed on any portion of the PROPERTY/LOT, no alterations of or additions to the existing landscaping, and no improvements (including staking, clearing, excavation, grading, and other site work, and exterior alteration of existing improvement) shall take place within the PROPERTY except in compliance  with the design guidelines promulgated pursuant to Section 4.3 of the CCRs. 

Section 4.3.2 Procedures - Prior to commencing any activity within the scope of Section 4.2, an Owner shall submit an application for approval of the proposed work to the Architectural Review Committee. Such applications shall be in the Architectural Review Form (ARC) and shall include plans and specifications showing site layout and screening and/or fencing therefore, and other features of proposed construction, as required by the Design Guidelines as applicable.  Approval SHALL BE REQUIRED prior to pursuing requested activities.

For a full list and details of these requirements, refer to the Declaration of Covenants, Conditions and Restrictions, Section 4, of the Morgan Creek CCR's.  

Q: Where can I get an 'Architectural Review Application'? Completed Applications shall be returned to same.

A: Click on and download the PDF file below. Once Download, please complete the form and return via email to:



(405) 348-1436


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