Homeowner Associations-you should know about them before you buy!

Real Estate Agent with Benchmark Realty 00253111


Homeowner’s Associations


If you are looking for a new home, one question you will want to ask, but may not have thought about is, “Do I want to buy a house in a neighborhood that has a homeowner’s association?”


In order to know the answer to this question you will have to ask yourself even more questions like, “Do I want someone telling me that I can’t park a boat in my front yard?” and, “Will I mind if my neighbor installs a huge storage shed in their back yard?”


Homeowner’s Associations are created in order to maintain a certain level of aesthetic integrity within a neighborhood, ultimately maintaining or enhancing the property values of the homes.  Part of owning a home in a neighborhood that includes a homeowner’s association is the realization that you will have to pay association dues.  These dues usually fund the maintenance of common areas and amenities like pools and playgrounds.  Dues can vary greatly from neighborhood to neighborhood within a city.  It is always wise to talk to your Realtor about what dues will be due and what the homeowner’s association guidelines are before you purchase a home.  Many times this information is included in an mls listing.


Once you move in, becoming active in the homeowner’s association by attending meetings and staying informed can help you enjoy your new home even more.  You will want to find out what you are allowed to do and not allowed to do to your home.  It is always wise to find this information out before you go to do things like build a deck or add on to your home.  Be proactive, not reactive!


Your next step is to get out there and enjoy the neighborhood that you have invested in.  Enjoy the amenities that you are paying for!


-written by Maggie Claprood and Judy Rockensock-

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Judy Rockensock and Maggie Claprood

Specializing in Home Buying and Selling .  Located in Mt. Juliet, TN and serving the entire middle TN area! Please visit www.JudyRockensock.com to find out more.


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Judy Rockensock CRS, GRI    615-337-6000

Maggie Claprood 615-414-1991


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Comments (6)

Jean Hanley
Coldwell Banker Kivett Teeters - Hemet, CA
Specializing in Folks Who Want To Buy/Sell Homes

People don't typically think to check out the association prior to buying.  Some of them can be a nightmare.

Oct 25, 2011 06:30 AM
Larry Arnason
Arnason Mortgages - Calgary, AB

Great article and something important to speak with clients about when they are in the decision process of buying a new home.  Many new areas here in Calgary are also now charging mandatory annual Community Fees to all home owners  a fee that can vary significantly from community to community.

Oct 25, 2011 06:33 AM
Team Rockensock
Benchmark Realty - Mount Juliet, TN
When Exceptional Service Is A Must!

It is so important to look into all aspects of buying a home, not just what the price is and how many bedrooms there are!

Oct 25, 2011 06:38 AM
Clay R. Seay
Florida Homes Realty & Mortgage - Saint Augustine, FL

HOA's documents should be reviewed by a buyer before they make the offer. Since each HOA is different, there can be an unpleasant surprise in areas like pets, size or number restrictions as well as type of pets. Another area is dish installation for TV's. Parking overnight with commercial vehicles, basketball hoops in the front yard or driveway, even sign restrictions that prevent open house signs exists in some HOA's.

This is one reason to work with a REALTOR. HOA documents are public record and most Title Companies will help an agent with the documents. If you are the listing agent, you should have this as part of your information ready to supply to a buyer. If you are the Buyer's agent, then always provide them as soon as possible to the Buyer for review. I have had deals fall apart due to one item in the HOA documents. Lessons learned the hard way.


Oct 25, 2011 06:40 AM
Team Rockensock
Benchmark Realty - Mount Juliet, TN
When Exceptional Service Is A Must!

Good points Clay.  I agree with you.  It is always better to be proactive when it comes to things like this.


Oct 25, 2011 06:45 AM
Curtis Van Carter
Better Homes & Gardens Wine Country Group - Yountville, CA
Your Napa Valley Broker Extraordinaire

Unfortunately, many of the most important documents for a HOA are not public record in California. Granted CC&Rs, Bylaws and Articles of Incorporation are but the rules, reserve study, financial ocs and what I consider the most important, Board of Directors meeting minutes are not. These are not provided unitl a buyer enters into contract.

Oct 25, 2011 07:51 AM

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