CC&Rs and other types of HOA agreements are private contracts and are not enforced by the City or County. Urban reserves cannot change private neighborhood agreements. These private agreements can be more restrictive than zoning laws and may include details on things like accessory dwelling units and minimum lot sizes. The City enforces its zoning laws; it will not enforce CC&Rs even if a property owner applies for a permit to use property in a way that conflicts with their CC&Rs. If a neighborhood is eventually brought into the urban growth boundary, the zoning would change to allow for future urban uses.