Granite Bay, California?
There are many gated, as well as non gated, communities and subdivisions in Granite Bay.
Most of the subdivisions have CC&Rs.
Typically, the CC&Rs in older subdivisions are less likely to be enforced, (some even contain archaic, old restrictions that are no longer legally enforceable), while the newer subdivisions are much more diligent about compliance.
Some also have monthly association dues.
The monthly association fees and the amenities for which the homeowner pays, are specific to and different in each case.
I hope that helps. If there is a specific subdivision about which you are inquiring, try a more detailed post and I'll bet you'll get the answers you need.