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HOA & CONDO
Condo & HOA Information
Understanding shared ownership laws, monthly dues, and management responsibilities
What is an HOA?
A Homeowners Association (HOA) is an organization in a planned community or condominium that makes and enforces rules for the properties and residents. HOAs collect monthly or annual fees to maintain common areas and provide services.
What Fees Cover
- • Landscaping
- • Pool & amenities
- • Building insurance
- • Common area maintenance
Common Rules
- • Architectural restrictions
- • Pet policies
- • Rental limitations
- • Noise regulations
Important Notes
- • Fees vary widely
- • Special assessments possible
- • Rules are enforceable
- • Review before buying
Condo vs. Single-Family Ownership
Condo Ownership
Lower Maintenance
HOA handles exterior and common areas
Amenities
Pool, gym, security often included
Shared Walls
Less privacy, noise considerations
Monthly Fees
Ongoing HOA dues required
Single-Family Home
Full Control
Make changes without HOA approval
Privacy
No shared walls, more space
Maintenance
Full responsibility for upkeep
Land Ownership
Own the property and land
"Know Before You Buy" Checklist
Review HOA budget and reserve funds
Check monthly dues and special assessments
Read CC&Rs (Covenants, Conditions & Restrictions)
Verify rental restrictions and limits
Inspect HOA meeting minutes for issues
Confirm master insurance coverage
Ask about pending litigation or disputes
Review board meeting attendance requirements