Answered for Sheridan, Hamilton County.
Leaf drop is a tree's cheapest response to almost any stress, because leaves are what cost it water. So the symptom alone means only that something is wrong, and the useful question is what — the range runs from harmless to terminal. Foliar diseases like anthracnose on sycamore, ash, and maple, or apple scab on crabapple, strip a tree, look alarming, and generally do not kill it. Drought, girdling roots, a buried root collar, and construction injury drop leaves for a reason that will still be present next year. Vascular wilts — Verticillium in maple and redbud, oak wilt in the red oak group — drop leaves because the plumbing is being blocked, and those are serious. In Sheridan — Maple Run, Sheridan Estates and Spicewood Garden Apartments (rental complex) included, that's normally a tree trimming job at $250–$1,400. Within weeks.
Duke Energy Indiana; the town's comprehensive plan names Duke Energy as one of Sheridan's key economic-development partners. Duke operates under the IURC's tree-trimming rule (170 IAC 4-9): at least two weeks' notice before trimming, no removal of more than 25% of a tree and no topping without the owner's permission absent an emergency, no trimming outside the easement or right-of-way without consent, and debris cleared within three days.
Community Park is singled out in the town's comprehensive plan for its numerous old-growth trees, and the pre-1970 residential grid around it carries matching full-size shade trees. New subdivisions plant only from the UDO's approved street-tree list — columnar Norway and hedge maples, black gum, disease-resistant Asian elm hybrids, European and American hornbeam, male "Autumn Gold" ginkgo and golden rain tree — a list that pointedly contains no ash and no Callery pear.
No permit is required for a homeowner to take down a tree on a private lot. Sheridan's tree rules sit in the 2025 Unified Development Ordinance and apply at development time: tree preservation plans must accompany site plans, no disturbance is allowed inside the critical root zone of a preserved tree, protective barriers must stand at the dripline through construction, and if a tree designated for preservation dies within five years of project completion the owner must replace it with equal preservation value within 180 days.
The UDO defines right-of-way as land dedicated or deeded to a governmental entity and under the control of a public agency. Street trees are required inside the right-of-way on new local streets in residential major subdivisions, planted in a minimum eight-foot strip between curb and sidewalk at roughly one every 50 feet — and maintenance of those street trees falls on the HOA, or, where no HOA exists, on the owner of the adjacent lot.
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Distance measured from Sheridan.