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For REALTORS®, title companies and lenders

Everything you need to list, lend or close

Cloverfields is a private waterfront community in Stevensville on Kent Island. The numbers, the documents and the closing desk are all on this page.

Fast facts for your file

The numbers

$235Annual dues, January 1 through December 31

$150Transfer fee on every home sale

$0Special assessments. There are none.

$0Charge for resale disclosure documents

Billing cycleInvoices go out in early January. Dues are due by the end of February. $11 a month after that.

ProrationsThe association does not refund sellers. Prorate dues between buyer and seller at settlement.

LiensDues delinquent more than two years are liened in Queen Anne's County Circuit Court, with a $250 filing fee.

Water and sewerNot included in dues. Service is through Queen Anne's County.

Payments by mailChecks payable to "CPOA," PO Box 488, Stevensville, MD 21666.

Master insuranceState Farm, Jim Brown agency, Chester, MD. 410-643-5508. Request the certificate from the agency.

What conveys with the deed

What your buyers are getting

Membership in the association comes with every Cloverfields property. So does a private beach, a marina and a pool most neighborhoods would envy.

See the amenities Photo gallery

Boats at the Cloverfields private marina

Private beach on the Chester RiverPavilions, grills, a fire pit and a playground.

Marina and boat rampRental slips by waiting list, at a separate annual fee.

Pool and kiddie poolOpen Memorial Day through Labor Day.

ClubhouseAn 1,800 sq ft hall with a commercial kitchen, rentable by members.

Playgrounds and courtsTwo playgrounds, basketball and horseshoes.

Swim team and eventsA summer swim team and a full calendar of community traditions.

Disclose early

Rules buyers ask about

Better your client hears these from you now than from a neighbor later.

Can the home be used as a short-term rental?

No. Vacation and short-term rentals of 60 days or less, Airbnb included, are not permitted under the Restrictions and Conditions and the bylaws.

Can a buyer rent the home out long term?

Yes. The owner keeps paying dues, and the tenant can join as an associate member with a copy of the lease.

Is membership optional?

No. Every property owner is a member of the association, and the deed requires compliance with the bylaws and the Restrictions and Conditions.

What needs approval before building?

Fences, sheds, additions, new homes and exterior changes need written approval from the association before work starts. See the building guidelines.

Does a boat slip convey with the house?

No. Slips are rented from the association for a separate annual fee, and there is a waiting list.

Do the seller's stickers and member IDs transfer?

New owners are issued their own vehicle stickers and member IDs after closing, once the association has the transfer fee and the buyer's information.

Hand this to your buyer

The new-owner page walks them through stickers, IDs and the gate card in five steps.

New owners start here

REALTOR® is a registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS®.