Buying a Home in a Neighborhood with an HOA

Florida is filled with neighborhoods that are governed by homeowners’ associations (HOA). HOAs require homeowners to become members and abide by their covenants, conditions, and restrictions. HOA dues vary and may include access to amenities, maintenance, garbage service, cable service, utilities and more. If you are looking at homes in a community with an HOA, our Orlando listing agents/Tampa listing agents/South Florida listing agents highly recommend you take this into consideration before making a purchase. Our next series of articles will discuss what you should do if you plan to purchase a home in a neighborhood with an HOA.

Understand the Structure

It is important to understand the structure of the HOA in the neighborhood you plan to purchase a home. Some neighborhoods have a single HOA.  Planned communities with multiple neighborhoods may have multiple HOAs, including one for each neighborhood and one for the entire master planned community. Each will have their own board, covenants, conditions, and restrictions. 

Ask for the Documents

It is important to request the latest documents, rules, and restrictions from any neighborhood HOA and master associations that affect the home before you make an offer. If you are looking in a particular neighborhood, your real estate agent can acquire these documents for you to review before you start looking at homes.

Our next article will cover more aspects our Tampa listing agents/South Florida listing agents/Orlando listing agents recommend considering if you plan to purchase a home in a neighborhood with an HOA.

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