well what do you mean as far as distance? Is it like 5 feet away? 10ft? Also what do you mean by septic system? Do you mean a leech/drain field? Or just the pipe that carries the waste to the tank? If you are in a HOA there is a good chance you are on public sewer system so no leech field. (?)
We had a drain pipe that got clogged with roots. Dug it up to find that it was too shallow, had been cracked and they used that thin worthless pipe, not schedule 40 I guess they saved a whopping 10 bucks at the time
So we replaced it with 40 and no roots are going to get into that stuff. We had a HUGE elm tree 10 ft from our tank and we cut that down of course. Now if you are talking about a drain field, that is a different matter.