Holiday Out at Lake Tansi buyer checklist

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Holiday Out at Lake Tansi

Source-linked guidance verified September 18, 2026

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Print the completed checklist or save the printout locally with the property records.

Identify what is being sold

Street addressCumberland County parcel IDHoliday Out section and lot numbersFull legal description receivedDeed receivedCurrent survey receivedOne lot / two separate lots / combined grandfathered / unresolvedSeller says the package includesContract says the package includes

Do not use the community map as a survey. Match every lot number to the deed, survey, association account and contract.

Identify and title the living unit

Unit type stated by sellerAssociation's written classificationManufacturer, model and yearVIN or serial numberTitle or registration receivedOwner name on title or registrationLien shown on unit titleUnit included in real-estate contractSeparate bill of sale neededAxles remain attachedTires and wheels available

An MLS label such as single-family, mobile or manufactured does not settle association classification or title treatment.

Reconcile every association charge

Item	Amount or status	Written source and date
Current Holiday Out charge per billed lot
Confirmed number of billed lots
Regular monthly parcel total
Special charge or assessment
Late fee, interest or collection cost
Prior-owner balance
Credit or advance payment
Transfer, certificate or key-card charge
Confirmed Holiday Out balance at closing

Public sources print $75, $80, $100 and $105 monthly figures. A September 2026 reproduction of Chattanooga MLS 1535783 for 191 Apache Trail reported $210 monthly; Redfin's reproduction showed the listing pending as of September 1, 2026. None is the parcel ledger, association schedule or current-inventory finding. 2 3

The park rules say a purchaser will be responsible for an outstanding balance owed by a previous owner. Obtain written closing treatment and independent title or legal review where needed. 1

Resolve the Lake Tansi relationship

Holiday Out good-standing confirmationLake Tansi associate-member statusAutomatic / optional / separately billed / unresolvedCurrent Lake Tansi regular dues, in writingCurrent associate-member charge, in writingBilled by Holiday Out / Lake Tansi / other / unresolvedCard or credential includedOwner facilities includedGuest privileges and chargesGolf access or discountWritten Holiday Out answer and dateWritten Lake Tansi POA answer and date

The October 2017 Lake Tansi bylaws describe eligibility, cards, a Holiday Out board seat and associate dues below regular dues under inter-association agreements. They do not provide the current associate amount, automatic-versus-elective answer or billing channel. Do not use the listing's $310 statement until both associations reconcile the parcel. 4

Obtain the governing file

Master Warranty Deed and current amendmentsCurrent bylaws and amendmentsCurrent park rulesCurrent ARC rulesCurrent fee scheduleCurrent map or platMeeting record for any material pending changeSeller disclosure and association resale information

The public bylaws are dated 2017, park rules 2023 and ARC rules 2025. Ask whether later amendments, resolutions or recorded instruments apply.

Audit every improvement

Improvement	Present	Application and approval	Inspection or close-out	Open issue
RV or park-model placement
Room addition or enclosure
Porch or deck
Roof or cover
Shed or utility building
Driveway or walkway
Fence
Water, sewer or electric work
Other

Do not infer approval or grandfathering from age or appearance. Obtain the complete ARC and Rules Compliance Certificate file.

Test a planned project before contract

Proposed placement, repair or additionApplication requiredApplication submitted at least 45 calendar days before workApplicable $50 or $20 category confirmedPlans and grid sheet requiredSetbacks shown on surveyUtility lines and access points locatedWritten Rules Compliance Certificate issuedCertificate's active period and extension answerCounty or other public permit required

Holiday Out approval is not a county permit, engineering opinion or proof that a project is insurable or buildable.

Confirm the unit and addition limits

RV width with projections retractedRV lengthRV height2023 park-rule footprint: 480 square feet2025 ARC footprint: 400 square feet plus or minus 20Current controlling limit, confirmed in writingAddition footprint and dimensionsProperty-line and roadway setbacksUnit remains removable under written rulesWritten association decision

The public files conflict on the footprint figure. Neither number is selected here. Obtain a current written association answer for the exact unit and parcel. The 2025 ARC file also requires axles, tires and wheels to remain available as described there. 1

Confirm year-round utilities and winter use

Service or condition	Parcel answer	Provider or association source	Date
Water connection and winter protection
Sewer connection and responsibility
Electric service and capacity
Propane or other heat
Internet and phone
Main bathhouse access
Seasonal bathhouse closures
Laundry and office access
Freeze, drainage or maintenance issue

The FAQ permits year-round living while saying the park was not designed for it and describing winter limits. Verify the exact address.

Separate Holiday Out amenities from Lake Tansi access

Facility	Controlling provider	Included	Seasonal or capacity limit	Charge
Holiday Out beach
Holiday Out common dock
Boat slip
Lake Tansi POA boat permit
Current POA membership card for boat permit
Tennessee boat registration for permit
Playground or miniature golf
Pavilion and activities
Lake Tansi pools
Lake Tansi golf
Tennis, exercise or recreation
Nearby marina service

Limited docks do not establish availability. The 2026 Welcome Booklet says a current POA membership card and Tennessee registration must be presented for a boat permit. Ask how the Holiday Out associate card satisfies that rule. 5

Resolve use, rental, insurance and financing

Seasonal / year-round / other intended useRental or leasing plannedRental income required for purchase to workCurrent written rental answerInsurer and binding coverageLender and collateral treatmentProperty-tax treatmentUnit-title tax or registration treatmentFlood, shoreline or drainage file

The current public Holiday Out rules prohibit rental and leasing. Leave rental income out of the buying arithmetic. Confirm insurance and financing for the combined deeded-lot, titled-unit and improvement package.

Close the file, not just the sale

Dated association ledger receivedSeller payoff and credits written into closingTitle exceptions reviewedUnit title or bill of sale readyARC violations or open work resolvedLake Tansi status and charges confirmedPersonal property inventory attachedRecorded deed supplied after closingLot-owner information sheet supplied after closingDecision date and records usedMaximum acceptable first-year costRequired contract conditionRequired correction before closingExit condition

Sources behind the checklist

FAQs, Bylaws & Rules . Holiday Out in America at Tansi Campsite Subdivision No. 1 Property Owners Association , live page and linked documents rechecked September 18, 2026.
191 Apache Trail, Chattanooga MLS 1535783 . Realtor.com , listing reproduction checked September 18, 2026.
191 Apache Trail, GCAR 1535783 . Redfin , pending-status context checked September 18, 2026.
Restated By-Laws . Lake Tansi Property Owners Association , October 2017 file currently linked by the POA; rechecked September 13, 2026.
Welcome Booklet . Lake Tansi Property Owners Association , 2026 edition; hash rechecked and police page inspected September 20, 2026.