Along the lines of number 5 above, I wouldn't recommend removing any planter beds without getting it approved first. There are guideleines the HOA uses to determine size and location of planter beds. They also limit lawns to no more than 60% of the total yard. These guidelines are to insure lower water useage in the community as well as a more uniform look. I know of at least one person who was fined for deviating from an approved landscaping plan. If you want to add plants to an existing bed or change what is planted it should be OK without approval as long as you stick to the planting guidelines. Again, I suggest you stop by the association off to get a copy of the landscaping guideleines and ask them about the process for making changes.