Unveiling the Hidden Realities of Living in an HOA

Purchasing a property within a homeowners association (HOA) involves navigating a complex agreement with both advantages and disadvantages. While an HOA can maintain community standards and property values, it may also impose stringent rules that homeowners must follow.

For instance, if a neighbor’s yard becomes unkempt or cluttered, the HOA has the authority to intervene, ensuring compliance with community standards. However, that same authority can lead to frustration if homeowners wish to make personal changes, such as painting their house or adding structures, without prior approval. Violating these guidelines can result in substantial fines and costly remediation.

HOAs are primarily responsible for preserving property values, managing shared amenities like pools and playgrounds, and enforcing rules outlined in community governance documents. Each association has distinct restrictions, but Arizona law protects homeowners from excessive HOA control in certain areas.

Specifically, Arizona prohibits HOAs from restricting the display of the Gadsden flag, the Arizona state flag, or flags associated with Arizona Indian tribes. Homeowners may also display the U.S. or military flag in compliance with federal laws and may install antennas, satellite dishes, and solar energy devices without HOA interference.

Once homeowners buy property within an HOA, they must adhere to its rules as the sole exit is through selling their home. Dissolving an HOA can be challenging, as it typically requires a significant majority of homeowners’ approval, often between 50-75% based on the governing documents.

Neglecting HOA dues is a risky move; failure to pay can lead to legal action, including foreclosure on the property if dues remain unpaid for a year or exceed $1,200. A recent case highlighted this issue when a homeowner faced nearly $30,000 in dues and fines, almost leading to a sheriff’s sale.

Engagement is vital for homeowners dissatisfied with their HOA. Participating in monthly meetings allows residents to voice concerns directly rather than relying on social media platforms. These meetings often have low attendance, providing a greater opportunity for individual issues to be addressed effectively.

Dayv Morgan, a Maricopa Realtor and owner of HomeSmart Premier, emphasizes the importance of active participation to influence community decisions.