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Rental Units – Insurance – Mailbox Parking – Satellite Dishes

Rental units:

Renters must abide by the Pebble Creek Homeowners bylaws & declarations of covenants, conditions and restrictions.  These are for the protections and rights of all the homeowners.

  • Homeowners’ insurance info – Donna Thornburg has been working on the homeowners’ insurance information and her list is almost complete. If you have not emailed or mailed or dropped off your insurance information to Donna, please do as soon as possible.  The list needs to be completed.
  • Parking at Mailboxes – The Board is working on a solution on cars being parked in front on our mailboxes. Since this is NOT our land, we are trying to solve by adding a sign.  We hope, out of consideration for Pebble Creek homeowners, the renters at the Villas will cooperate.
  • Satellite dishes. Please contact Donna Thornburg or a Board member before the installer is at your home. If you are thinking about getting a satellite, the placement of the dish is very important and has to be approved.The Board is so elated to have Donna Thornburg back with us.  Donna has the experience and “get it done” attitude that we can all appreciate! Please email or call Donna Thornburg with your concerns/complaints/compliments.Email   Phone: (828) 328-2936


Reminders: No Parking on Street – Speed Limit – Leash Law

No Parking on the Street

Why do we need to adhere to this request?  If there is an emergency, the firetruck will arrive first on the scene, then an ambulance will follow.  If someone is parked on the street, it is impossible for the firetruck to get to the person in need.  Please be considerate of others.

Follow the speed limit – 15 MPH

Some drivers don’t think about the risks they create. A driver may not think going 5 or 10 mph over the speed limit will be noticeably less safe, but just a 10 mph difference in speed can be critical to whether a pedestrian lives or dies when struck by a car. And the same for someone’s beloved pet.  Please obey the 15 MPH limit.

Leash Law

Outside of your townhome, your dog must be on a leash.  This is a City of Hickory law and also Pebble Creek Homeowners Declarations, Article X, Section Four. Please scoop the poop.  Keep in mind that “your yard” is actually HOA property which we maintain with homeowner dues.  As well, HOA board members may walk through yards to attend to HOA business.  Please be considerate.  Finally, remember the mowers will throw your dog’s business everywhere!

Insurance Requirements

Please provide a copy of your declaration page of your most current fire and hazard insurance policy on your townhouse to the HOA.

Insurance that is carried by the Homeowners Association only covers the common areas such as the parking areas and the grounds.  Your unit is a deeded Townhome which means that you own the exterior as well as the interior of your townhome and you must have insurance to cover both.    Please verify with your insurance agent that you do indeed have the correct type of coverage.  And remember to have a copy of your insurance forwarded to the Managing Agents, Thornburg & Associates. Fax it to 828-328-2938 or email it to  . A townhouse owner must insure the structure and the lot it sits

Maintenance Requests & Water Shutoff

Individual maintenance requests and complaints should not be phoned in but written down and
mailed  to:
Thornburg & Associates, Inc
PO Box 3443
Hickory, NC.  28603
or Fax to 828-328-2938
or email

Once received, management will forward to the board members listed above and a response will be available at the next monthly meeting. If you have an urgent matter such as a leaking roof or a sewage back up  please call the management office at 828-328-2936.  Thank You.


Unless there is an emergency we will give you as much advance notice as possible before turning the water off.

We apologize for our recent transgressions in this area.


Please do not forget….if you landscape your own areas (deviating from the original shrubbery installed or changing doors, resealing your drive, putting in new windows, etc…  you must get permission in writing from your board prior to having the work done (even when you are paying for it).  One of the board’s duties is to insure that work done to the exterior is good workmanship and that the overall exterior appearance of the units remains uniform.



The mulch bed behind each of our homes is considered a personal lawn area; therefore owners may plant shrubbery and flowers (not vegetable gardens) of his/her own choosing as long as it is tasteful. Each owner is to personally maintain this bed properly. The HOA does not provide maintenance to this area – each owner is required to provide mulch as needed and to keep the shrubbery and flowers groomed.

Approved Stones For Borders

Allegheny Flagstones

The Board for Pebble Creek HOA has approved the use of two stones for sidewalk and landscaping. Both are available at Lowe’s Hardware

Approved border stone from Lowe's HardwareConcrete Retaining Wall Block (Common: 11-in x 4-in; Actual: 11.2-in x 4-in) Lowe’s Item 477091


Concrete Retaining Wall Block (Common: 8-in x 3-in; Actual: 8.2-in x 3-in) Lowe’s Item # 477119

Pebble Creek HOA Insurance

The Pebble Creek HOA property Insurance Policy has been added to the Documents page. You can also follow this link.

The HOA Board requested this commercial insurance policy after a strong June 2015 storm felled numerous trees causing damage to some of the units.  When the Board made a claim to the insurance company, it was denied with the insurer citing an  “Act of God” (windstorm) not covered by the policy (see NOTICE TO NORTH CAROLINA POLICYHOLDERS near the beginning of the policy).   A Board member familiar with insurance scanned the document and found this to be true except for possibly fire damage.   The  insurer told the Board that the homeowners whose units were damaged should file a claim with their insurance company.   The primary purpose of the policy was to cover liability.  The Board will revisit this policy to determine if more coverage is needed.