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Buying a Condo or Townhome
When purchasing a condo consumers should evaluate the entire seneiro. Most complexes charge a one time association fee and 98% of them charge a montly maintenance fee. Make sure your agent gets you this information befor you buy. What do your monthly dues include?
Water, Sewer, CableGround maintenance / gardeners Trash pick-up  Insurance: How much coverage and what does it cover?Professional management fees Pool, spa or fitness centers Roads and sidewalks Assigned parking (and if so, how many spaces?) Gate accessHow do the fees compare to fees charged by other condos in the area?
Once you make an offer, It is always a good Idea to speak with the association yourself  You need to assess How Financially Sound the Homeowners Asoiation is.
Try to get copies of: Covenants, Conditions and Restrictions By-Laws and Regulations Meeting Minutes for the last year HOA Financial StatementThis requires hours of reading but it will help you get a handle on what's in store for you.
These documents will tell you about:
Special assessments being planned to address deferred maintenance.Capital improvements planned Amount of cash reserves Whether the association is being or has been sued History and likelihood of dues increasesMake every effort to educate yourself so you know what ... more

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