Buying or Selling in Northfork

The business address of the Northfork Homeowners Association is: P.O. Box 415, Anoka, MN 55303. Our email address is NorthforkHA@gmail.com. Please use the email address for document requests and routine communications. Billing inquiries may be sent to acct.NorthforkHA@gmail.com. Email is checked often and replies are typically sent after a few business days. There are 274 homeowner lots in Northfork. The NFHOA staff (except the Accountant) are all homeowner-volunteers. The NFHOA does not maintain a physical office or a phone.

Feel free to peruse the public areas of this website. There is a lot of information here you may find useful. When you become a homeowner and register your email with the NFHOA, you will have access to the Members Only section of the website, which includes neighborhood maps, notices, newsletters and meeting minutes. Annual dues for 2026 were $264, and 2027 dues will be $276. Dues are payable by January 15 each year and are subject to up to a 5% annual increase. There are currently no special assessments. Though we have never had a special assessment in the history of the HOA, future special assessments are possible but require two thirds approval of a quorum of homeowners. No extraordinary expenditures have been approved but not assessed.

The NFHOA Accountant will provide to homeowners a free copy of a homeowner’s current statement indicating whether dues and any other assessments are current.

Northfork is governed by three documents: The Articles of Incorporation, Bylaws and Declarations (Covenants). These can be found on this website. Realtors - Your clients should be provided with copies of these documents. Note: The Governing Documents found on the NFHOA website are copies, and in the case of the Covenants, edited copies of the documents on file with the property records at the Anoka County Courthouse. Title Companies – to be absolutely sure you have true and correct copies of these documents to give to your clients, you should obtain them from Anoka County Records directly. There is also a Supplemental Declaration (Supplemental Covenant) associated with every lot. Determine which one applies to the property of interest using the process described on this website. Note: Some of the Supplemental Covenants include property-specific restrictions. Be sure you have the correct supplement by matching the Northfork “addition” named in the supplement with the addition listed on the property record. Or obtain the supplement from Anoka County Records directly. Also, Minnesota Statute Chapter 515B, MINNESOTA COMMON INTEREST OWNERSHIP ACT applies to associations created after June 1994. The Northfork HOA was established in September 1985, so Chapter 515B does not apply. Instead, our association is operated in accordance with the Governing Documents described above.

Covenants Section III.3.1.b requires every homeowner to register with the homeowners association. Failure to do so may result in loss of voting privileges and loss of communication. At or after closing please send an email providing the following information to NorthforkHA@gmail.com: Name(s) of new Owner(s) Property Address Owner Email Address (up to two) Cell Phone (up to two) For non-resident owners, please also provide the owner’s mailing address.

The Homeowners Association would appreciate a courtesy heads up that you intend to sell your home. Just drop us a note at NorthforkHA@gmail.com. This helps us keep track of ownership changes when new owners fail to register. Email us if you have any questions.

The Northfork Homeowners Association publishes a copy of each end-of-year financial condition in the PowerPoint presentation given at the annual Spring homeowners meeting. These slides comprise the minutes of the homeowners meeting and can be viewed in the Members Only section of this website. (See the minutes for the most recent annual meeting.) Periodic Treasury Updates are also listed. When a homeowner requests a financial statement, the NFHOA sends the information available in the Members Only section of the website, at no charge.

While homeowners can request financials and current dues statements at no charge, requests for other information, or requests by other than homeowners incurs a $350 fee. This often occurs when closing companies send questionnaires or forms to be filled out by the NFHOA to support closing. The fee compensates for the time required to research, gather documents and complete and return the forms, and is due at closing. Request them at acct.northforkHA@gmail.com. Insurance: The association does not maintain any insurance policy that directly benefits any homeowner. As part of its normal operating expenses, the board maintains an insurance policy to indemnify the Board and another policy covering liability and property in the common areas, especially the Park. Homeowners are responsible for their own property and liability insurance. Maintenance Plan: It should be noted that Northfork is a collection of single family homes. There are no common fixtures or structures as there would be in a townhome or condominium. Therefore, a maintenance plan does not exist covering these items. Taxes: The collective assessed value of the common areas is distributed and included in the assessed value of the 274 properties in Northfork. The association does not owe or pay any property taxes on any real property. Judgments: The Association is not currently (as of July 2026) involved in any litigation, nor are there any unsatisfied judgements in favor or against the HOA. Warranties: There are no warranties remaining from the Declarant or made by the Association in connection with the resale of any lot.

Another important document is Rules and Regulations, which can also be found on this website. These mainly apply to the Common Areas. But there is also a rule that prohibits the keeping of any kind of livestock on homeowner properties. Realtors and Closers – Please download a copy from the website for your client.