Hoa's are the absolute worst. Obviously anyone who has time to be a hoa official, or whatever u call it, has no life of their own. So they have to interject themselves into others lives. I'd have written permission from your friend who lives on the lake in your tackle box at all times. That way when u get approached by some crazy black lady you can ask her, "Im sorry, am I on your property?" If she says yes, leave. If she says no, tell her to "tick off, mind your own business." If she calls the cops, produce your note for them and they won't/can't kick u out. Works for me in Virginia. I actually had a guy try and call the cops on me because I was fishing from the shore around his floating dock. The cops came, I informed them I was a guest in the neighborhood. I then produced the note, and my fishing licence. The cops informed the a hole that not only was I allowed to fish there, but since it was a floating dock that was not connected to his property, I could technically even fish on the dock if I wanted. I was actually about to move on from that spot, but decided to chill and fish on this dock for a while. I still fish on that dock everytime I go to that lake.