As previously suggested, it would be worthwhile to consult with the municipal zoning/code enforcement office. Since there is no HOA in existence, there could be some sort of statute of limitations on enforcement in lieu of no HOA to enforce, that the neighbour may not be aware of. There may also be municipal ordinance(s) that address the temporary loading/unloading situation. Many municipalities will give a resident 24-48 hours to have a vehicle at the residence for that purpose. It also could be that the CC&R is not enforceable, since there is no active agent (HOA) to initiate action. In addition to consulting local authorities, consult a civil contracts law attorney. First consultations are usually free.
