Estoppel Request Form

Use this form to submit a request for the preparation of an estoppel certificate prior to the completion of the sale of a property governed by Western Shores Property Owners Association. 

   Western Shores POA
   90 Yacht Lane
   Murray, KY 42071

At least 10 days prior to closing (for a lot or residence) an Estoppel Letter must be requested by the Title Company. 

What is an Estoppel Letter?

An estoppel letter from a Homeowners Association (HOA), in this case the Western Shores Property Owners Association (WSPOA) is an Official Certification of a property owner or homeowner’s financial obligations to the association, typically they are annual POA dues, fines, etc.

The “entire” Western Shores Community is a Deed Restricted community as established and registered with the State of Kentucky by the Property Developer. The Developer transferred the enforcement of the Deed Restrictions, Rules and Restrictions, and By-Laws to the WSPOA which is now responsible for implementation and enforcement.

In the case of the WSPOA, a property owner’s financial obligations “may” include any fines and/or penalties that have been assessed against the property as a result of Architectural Review Committee fees, any Rules and Restrictions infractions that may have resulted in fines and/or penalties, or any WSPOA attorney legal (current or pending) fees. Additionally, it is verification that the WSPOA is not in the process of assigning a Lien or does not already have a Lien placed against the property.

The estoppel letter is a “snapshot” of what is owed on a certain date, so this prevents any confusion about homeowner association fees that could arise after the closing.  An estoppel certificate will contain information with respect to the common expenses and obligations that the current owner is responsible for.

There is a $150 POA Estoppel Certificate fee to be added to closing statement and collected at closing.
In addition, there is a POA account set-up fee of $150.