{"id":386,"date":"2014-08-19T19:32:15","date_gmt":"2014-08-19T19:32:15","guid":{"rendered":"https:\/\/lakehomes.com\/info\/articles\/?p=386"},"modified":"2026-01-19T14:01:13","modified_gmt":"2026-01-19T20:01:13","slug":"questions-ask-buying-local-hoa","status":"publish","type":"post","link":"https:\/\/www.lakehomes.com\/info\/lifestyles\/questions-ask-buying-local-hoa","title":{"rendered":"Questions to Ask About Your Local HOA Before Buying"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Before deciding to purchase a home (lakefront or not), one of the most important things you must do \u2013 one that buyers often forget \u2013 is to speak to the homeowner\u2019s association (HOA) before buying.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The homeowner\u2019s association is the organization that sets the regulations and rules for the community. Regulations and rules that often affect what you can and can\u2019t do with your property.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Because of this, the following are a few questions that you should be sure to ask the local homeowner\u2019s association before deciding to purchase any new house:<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-what-are-the-rules\"><strong>1. What are the rules?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">You won\u2019t want to break any rules simply because you don\u2019t know what they are. Not to mention, it\u2019s good to know what the rules are up front in case they end up restricting you from doing something that you wanted to do.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, some homeowner\u2019s associations won\u2019t allow you to build any additional structures onto your property. Such a restriction would be problematic if you were looking to add a deck, patio, or porch area.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There are smaller rules to be on the lookout for as well, such as whether you\u2019re allowed to have pets. What a disaster it would be if you bought a home only to find out you\u2019re not allowed to keep your dog there! Be sure to take a look at the list of restrictions that the homeowner\u2019s association has put into place.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Some<\/span><a href=\"http:\/\/www.houselogic.com\/home-advice\/home-thoughts\/hoas-what-you-need-to-know-about-rules\/\"> <span style=\"font-weight: 400;\">commonly covered<\/span><\/a><span style=\"font-weight: 400;\"> guidelines in homeowner\u2019s association rules and regulations include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">The home paint color<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The ownership of pets<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Where you are allowed to park<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Whether you can build decks or patios<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Whether you can run an at-home business<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">What type of landscaping you\u2019re allowed to do<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Whether you can have satellite dishes<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">How high your fence can be<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Whether you can have a fence on your property<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Whether you can put up mailboxes, flags and other items in your yard<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-how-much-are-the-dues\"><strong>2. How much are the dues?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you live in a neighborhood that has a homeowner\u2019s association, then you\u2019ll have to pay dues. These dues vary from one homeowner\u2019s association to another in both cost and how often payment is due. Typically, dues are paid monthly, quarterly, or yearly. As soon as you become a homeowner within the community, you\u2019ll be legally obligated to pay these dues. It\u2019s important to figure out what the dues are ahead of time so that you can better plan out your financial arrangements.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-how-often-are-the-dues-increased\"><strong>3. How often are the dues increased?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Find out how often HOA dues are increased and by how much. If dues don\u2019t change often \u2013 and when they do they are by a small amount \u2013 then you won\u2019t have to worry much. However, if the dues regularly increase and by a large amount, then this is a <\/span><a href=\"http:\/\/www.reddit.com\/r\/Frugal\/comments\/1ektio\/my_hoa_dues_are_ridiculous_what_options_do_i_have\/\"><span style=\"font-weight: 400;\">factor you need to take into account<\/span><\/a><span style=\"font-weight: 400;\"> when deciding on the purchase of the home.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-how-much-are-the-assessments\"><strong>4. How much are the assessments?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">You\u2019ll also have to pay for assessments that cover work such as snow removal or trash collection as well as for maintenance for community areas, such as playgrounds or pools. Just like knowing what your association dues will be, knowing how much the assessments will cost is integral to figuring out your finances and whether or not you can afford to live within a specific community.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-what-is-the-current-state-of-the-homeowners-association\"><strong>5. What is the current state of the homeowners association?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Find out if there are any issues between the HOA and any of the homeowners. Are there a lot of ongoing issues between them? Has there been a history of litigation or other issues? You may not want to deal with an HOA that has a bad reputation amongst residents in the community. Ask the homeowner\u2019s association if you can see notes on a previous meeting. You can often tell by the notes whether they are picky about the rules or lenient. Be sure to walk around the neighborhood and ask some of the homeowners for their opinion on the homeowner\u2019s association as well.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-what-do-their-reserves-look-like\"><strong>6. What do their reserves look like?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ask to see financial statements for the last few years as well as the current and future budgets. You should look at the reserves for things such as sidewalk repair as well as at the maintenance contracts to make sure that they are reasonable. You\u2019ll want to make sure that the dues and assessments that you will pay will be put to good use, after all.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">These are some of the things that you\u2019ll want to ask the homeowner\u2019s association before you make the final decision to purchase a new home.&nbsp;Neglect speaking with them and you could end up having some real issues in the future as a homeowner within the community.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before deciding to purchase a home (lakefront or not), one of the most important things you must do \u2013 one that buyers often forget \u2013 is to speak to the homeowner\u2019s association (HOA) before buying. The homeowner\u2019s association is the organization that sets the regulations and rules for the community. Regulations and rules that often affect what you can and can\u2019t do with your property. Because of this, the following are a few questions that you should be sure to ask the local homeowner\u2019s association before deciding to purchase any new house: 1. What are the rules? You won\u2019t want&hellip;<\/p>\n","protected":false},"author":2,"featured_media":201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12062,3],"tags":[60,91,33,149],"class_list":["post-386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers-advice_and_tips","category-advice_and_tips","tag-hoa","tag-home-buying","tag-real-estate","tag-real-estate-advice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Questions to Ask About Your Local HOA Before Buying<\/title>\n<meta name=\"description\" content=\"Questions you should be sure to ask your local homeowner&#039;s association (HOA) before deciding to purchase any new house.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lakehomes.com\/info\/lifestyles\/questions-ask-buying-local-hoa\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Questions to Ask About Your Local HOA Before Buying\" \/>\n<meta property=\"og:description\" content=\"Questions you should be sure to ask your local homeowner&#039;s association (HOA) before deciding to purchase any new house.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lakehomes.com\/info\/lifestyles\/questions-ask-buying-local-hoa\" \/>\n<meta property=\"og:site_name\" content=\"Lake Homes Realty Articles and Info - LakeHomes.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LakeHomesRealtyLLC\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-08-19T19:32:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-19T20:01:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lakehomes.com\/info\/wp-content\/uploads\/2014\/05\/shutterstock_163102898.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"986\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Glenn S. 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