Most of the time No you don't need a permit. But i service a few yards in some high end neighborhoods who will require hoa approval or a hoa permit before you can do anything and i mean anything. So thats what i meant by that. I don't call unless I'm using a bobcat or excavator. If I'm doing it by hand don't bother. But it is better to be safe as i have hit 3 lines in the past with a bobcat and hadn't called before i dug. lucky for me they were just service drops and nothing major. I know a guy that hit a fiber optic cable with out calling to have the lines marked and it cost him serious $$$$.
2005 Toro Z400 48TF
2006 Scag Sw36A