The land directly on the shoreline and going back several feet (but well within that 250 ft restricted area) is common land--we all own it all. We own our own little slivers until we get to that point.
No HOA--the lawyers had assured us that "everyone just works it out."
Edited to add the picture: This was taken before he removed the tree (see the lower right in the photo). IL, as you can see, it's not a jungle of vegetation. It's a nice neat buffer, and I was hoping at some point to add to it with perennial pollinator plants.
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