Cooperatives provides you comfortable, High-Quality living at a reasonable cost.

About Cumberland

A True Community -
Cumberland Green Cooperative


Coop Fest


Easter Egg Hunt



About Cumberland

Cumberland Green Cooperative Townhouses is a group of 204 townhouse dwelling units on 33 acres. We offer six different home styles, from a one-bedroom single-story team to two-story four-bedroom units.

Put this luxurious size together because you have no responsibility for the interior – exterior maintenance, yard work, snow removal, trash collection, water bills, gas bills, or routine appliance maintenance and replacement. You may begin to see some of the advantages. Add the fact that the coop provides an RV storage lot, swimming pool, clubhouse, Basketball court, and two parks for use by its members, and the advantages mount.

Cumberland was founded on the promise that cooperatives lead to better services at lower prices, and the coop charges are usably lower than similar rental units.

Cumberland Green Cooperative provides the advantages of homeownership without all the responsibilities. 

Cumberland provides an affordable alternative form of ownership with Comfortable, high-quality living.    

What does a true community look like?

Cumberland Green a true community

Image result for a real community like Inclusivity, commitment, and consensus: Members accept and embrace each other, celebrating their individuality and transcending their differences. They make decisions and reconcile their differences through consensus. They commit themselves to the effort and the people involved.

The definition of Community One Community subscribes to is living for The Highest Good of All, a commitment to helping each other demonstrate unconditional love for one another, and supporting the constant growth and improvement of ourselves, each other, and our global environment. We call this “True Community” and capitalize “Community” throughout our site because this version of Community is a combination of all our values that combine to function as a celebration of human diversity and the profound healing, communication, and creation that comes from living in such an environment dedicated to this.

True, Genuine Community is the art and practice of being our most loving, open, and authentic selves while we honor others doing the same. This creates an environment that caters explicitly to the fulfillment of the six primary human needs.

As The Cost of Buying A Single-Family Home Or Condominium Soars, Cooperative Housing Is An Affordable Alternative Form Of Ownership For Many People. Cumberland Green Cooperative Provides You with Comfortable, High–Quality Living At A Reasonable Cost.


Cooperatives are voluntary organizations, open to au persons able to use their services and willing to accept the responsibilities of membership without gender, social, racial, political, or religious dis­crimination.

Cooperatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions. Men and women serving as elected representatives are accountable to the membership. In primary cooperatives, members have equal voting rights (one member, one vote), and Cumberland is democratically operated. 

Members contribute equitably to and democratically control the capital of their cooperative. 

Members allocate. sur­pluses for any of the following purposes: developing their cooperative, possibly by selling up reserves, part of which would at least be indivisible; benefiting members in proportion to their transactions with the cooperative; and supporting other activities approved by the membership.

Cooperatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, they do so on terms to ensure democratic control by their members and maintain their cooperative autonomy.

Cooperatives provide education and training for their members, elected representatives, managers, and employees to contribute effectively to the development of their cooperatives. They inform the general public-particularly young people and opinion leaders, about the nature and benefits of cooperation.

Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, national, and international structures.

Cooperatives work for the sustainable development of their communities through policies approved by their members.

Cumberland Cooperative plan

May 4 1972

Cumberland Green Cooperative Corporation was incorporated on May 4, 1972. The corporation has been organized exclusively to provide housing facilities for low- and moderate-income persons. The Cooperative has been included as a nonprofit cooperative housing corporation to acquire, own, and operate a collaborative housing community.


The Corporation is organized for the benefit of its resident-owners or members. The Articles of Incorporation, which are its Charter, provided that the Corporation’s primary function is to provide housing on a cooperative non­profit basis for the benefit of its members.

Cooperative Operates:

The By-Laws of the Corporation form the constitution for the membership group of owner-residents. They define how the Corporation shall function, and they guarantee democratic control, and define the structure of the Corporation and the rights and obligations of the members.

Monthly Housing Charges

The housing charges paid by the individual member together with those of their neighbors provide the funds necessary to meet the budget for the cooperative. These monthly carrying charges will pay the mortgage_ charges, real estate and other taxes, and the cost of administration, operation, and maintenance of the development.

Method of

The Cooperative has been incorporated as a nonprofit cooperative housing corporation to acquire, own, and operate a cooperative housing community con­sisting of individual family dwelling units, the permanent occupancy of which will be restricted to members of the Cooperative, which housing community is in St. Charles, Illinois.

Addition to
normal expense

In addition to average expense items, your cooperative will also maintain reserve funds for your protection in the future. This includes the cost of Gas, Water, Trash, and maintenance for the cooperative. A Replacement Reserve-and, a General Operating Reserve, will be among those to be accumulated to protect the cooperative and its members.

Enjoy Hi-End Quality & Comfort

Affordable housing is essential to the vitality of communities in America. Housing Programs allow families and individuals to buy, build, repair, or own safe and affordable homes located in rural America. Eligibility for these loans, loan guarantees, and grants is based on income and varies according to the average median income for each area.

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