Real Estate Insider Blog

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Homeowners Association Or Not?

Buying a home that's within a homeowner's association can seem like a turnoff for some people. For others, it is exactly the type of neighborhood they are looking for. What's right for you and your family?

When you live in an area with a homeowners' association, you can expect to be required to make an additional payment towards the community's upkeep and management each month or annually. This fee gives you a few key things. In most cases, you'll have access to more onsite amenities such as recreational facilities and pools. You may have a playground that's maintained. These areas may offer more security. You can also expect more sponsored events in many of these locations. Be sure to read and understand all of the amenities and benefits offered to you when buying into this type of neighborhood.

For some, there are challenges in these organizations. You'll have to follow rules and, in some cases, making changes to your property, such as the paint color or to the features on your lot, may require approval of the association. You may be limited to the types of things you can do to the exterior of your home.

Is it better to live within a homeowners' association or not? This really depends on whether the amenities and additional features of the location are worth it to you. Each location is different, though. That's why it is so important for you to ensure you choose an area that fits your unique needs and lifestyle. Take the...

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Pros and Cons of a Homeowners’ Association (HOA)

When you start searching for a house, the many choices available may seem overwhelming at first. It’s typical in many areas such as Clearwater, Dunedin, Palm Harbor and Safety Harbor to find some neighborhoods which have a Homeowners Association (HOA) that governs them. These organizations have many pros and cons that you need to consider before deciding whether you want to live in a HOA neighborhood or not.

Pro: They Provide Amenities for Residents

When you buy into a Homeowners Association, this will give you access to specific amenities that the neighborhood offers. The type of amenities can be small or large, and they may include things like tennis courts, swimming pools, children's playgrounds, and even gyms or clubs. Enjoying these amenities also provides an extra opportunity to socialize with neighbors while having fun, and they can contribute to a more fun community overall.

Con: Fees Are Mandatory

When a neighborhood is governed by a Homeowners Association, you are going to have to pay a monthly or yearly fee and sometimes extra fees that weren’t properly funded like a private street that costs more than what was allocated in the association’s reserves.


Pro: They Govern How Neighbors Can Do Certain Things

The Homeowners Association can protect you from neighbors who may play music too loud or put up garish Christmas decorations in their yard in October that they keep up all year long. Do like a...

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