What to Know Before You Buy into a Homeowner Association (HOA)

If you are considering purchasing a home in a community governed by a homeowner association (HOA), take time to understand the association's rules, responsibilities, and financial requirements before making a decision.

• Obtain and review the governing documents and deed restrictions.
• Speak with current residents about their experience living in the community.
• Understand the amount of association assessments and fees.
• Ask how and when assessments may be increased.
• Determine whether the association maintains reserve funds for future projects.
• Review any restrictions on renting your property.
• Review architectural guidelines and approval requirements.
• Understand rules regarding pets, flags, satellite dishes, fences, patios, and home businesses.
• If applicable, review age-restricted community policies.
• Consider whether the association's rules align with your lifestyle and expectations.

HOA Rules Commonly Address

Homeowner associations often regulate the appearance and maintenance of properties within a community. Common topics include:

• Roofing materials, shingles, and exterior paint colors
• Fences, hedges, and landscaping standards
• Trees, lawns, weeds, and property maintenance requirements
• Pools and pool-related restrictions
• Swing sets, basketball hoops, and recreational equipment
• Garages, sheds, and outdoor storage
• Mailboxes and garbage container placement
• Pet ownership, breed restrictions, and leash requirements
• Outdoor, decorative, and seasonal lighting

Important: HOA rules, deed restrictions, and community covenants are private agreements and are not enforced by Clay County Code Enforcement.