schlep1967 wrote:
My question would be, "If there is no HOA, who is she going to complain to?"
And who is going to enforce it?
Exactly! CC&Rs are not laws. The police/Sheriff's office/State patrol/FBI can not and will not enforce them. Whether city or county "Code Enforcement" has any authority I'm not sure, but I doubt it. CC&Rs are not really "Codes", after all.
Years ago, I walked away from a house we liked because the CC&Rs stated that a dual wheeled truck was a "Commercial Vehicle" and could not be parked on the lot (oddly enough, parking the fifth wheel was fine).
We found a house on a small acreage with few CC&Rs and NO HOA, a few miles outside the City Limits. Wonderful!
OP, if you really want the house, call the local law enforcement and ask if that neighbor calls them about CC&R violations, what will they do? If they say "Nothing!" I would guess you are good to go.
