Understanding the Subdivisions of Ono Island: What Every Buyer Should Know
By Meredith Amon | Licensed in Alabama and Florida
Guided by Integrity. Backed by Experience. Search the Gulf with Meredith Amon.
When I'm helping buyers explore homes on Ono Island, one of the most common questions I hear is: "What are the different subdivisions, and how do they affect ownership?" It’s a great question—and one that deserves a clear and informed answer.
Ono Island is home to 51 smaller subdivisions, each with their own recorded covenants. These subdivisions were originally developed with specific architectural and lifestyle guidelines, and while they all fall under the umbrella of the Ono Island POA (Property Owners Association of Ono Island, Inc.), many also have their own separate POAs—essentially independent associations that operate with their own rules, dues, and responsibilities.
Dual POA Memberships: What It Means for Property Owners
All property owners on Ono Island are automatically members of the main Ono Island POA, often referred to as the “big island POA.” However, depending on the location of your property, you may also be a member of a secondary, smaller POA within a specific subdivision.
Let me break it down with a couple of examples I frequently see as a real estate advisor and homeowner here on the island:
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Ono North (ONP1 and ONP2 lots):
If you own property in Ono North Phase 1 or 2, you are a member of both the Ono Island POA and the Ono North POA. In cases where regulations between these two associations differ, the more restrictive regulation takes precedence. -
Ono Mar (OM lots):
Properties in Ono Mar follow a similar structure. Homeowners here are members of both the Ono Island POA and the Ono Mar POA, each with its own set of guidelines and potential fees.
What About Inactive POAs?
Over the years, some of the smaller subdivisions have become inactive, meaning they no longer have an active board of directors or collect assessments. But that doesn’t mean their covenants disappear. These original developer-recorded rules still apply and may affect building guidelines, use restrictions, or architectural requirements.
Other subdivisions remain very active and involved, including:
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Ono North POA
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Ono Harbour POA
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Ono Mar POA
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Turtle Key POA
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Point Ono POA
Additionally, properties along certain waterways may also be part of the Canal Owner’s Association, which governs water access and maintenance in those areas.
Why This Matters
Understanding the subdivision your property belongs to is essential when buying or building on Ono Island. Each association may have its own architectural review committee (ACC) requirements, pier and boathouse restrictions, or landscaping and fencing rules. Some even manage shared amenities or oversee bulkhead and seawall maintenance.
When I assist clients, I always dig into the details—checking which POAs apply to each parcel, reviewing restrictions, and making sure you're aware of what comes with ownership. The goal is not just to help you buy a beautiful home, but to ensure you’re set up for success in a neighborhood that fits your vision and lifestyle.
Looking to Buy or Build on Ono Island?
Whether you're looking for a new construction home, a deep-water canal lot, or a quiet retreat tucked into one of the island’s established neighborhoods, I’m here to help you navigate the process.
Feel free to browse all active listings on Ono Island here, or reach out to me for one-on-one advice.
Let’s make your next move your best one yet.
Meredith Amon
Expert Real Estate Advisor | Ono Island & Gulf Coast
www.searchthegulf.com
meredith@searchthegulf.com | (970) 389-2905
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