Is HOA Living For You?

Real Estate Broker/Owner with Cam Realty and Property Management

Is HOA Living For You?

I get this question asked frequently, mostly by the buyers who are movingIs HOA Living For You from another state to sunny Florida.
Most homes in Clermont FL that were built after 1995 are in subdivisions and have HOAs. Is that a bad thing? Depends on what your concerns are.
I am currently working with buyers who are moving from New Jersey to Clermont FL and they absolutely do not want to be in a community with HOA. They gave me a list of reasons why, all thanks to what they’ve read online. If it’s on the web, it must be true..right? Wrong!

Some communities do have strict rules, such as;

-No commercial vehicles parked in the driveway
-Garage doors must be down at all times other than going in and out
-No recreational vehicles parked in the driveway or the grass that’s visible from the road
-No pets

These are just a few so if you are a buyer with a large RV, some of the HOA communities that prohibit them will not work for you.

There are so many others with HOA with reasonable rules so the neighborhoods are kept up as well as the home values. Before you say NO to a subdivision with an HOA, ask your REALTOR® for the community docs and be sure to make it part of your offer in the contract.

If you are a home buyer looking for a single family home with NO HOAs, there’s a total of 48 homes to choose from in Clermont FL. Prices range from $95,000 to $2,350,000. Out of 48, seventeen are on at least one-acre land, some have lakefront lots, some lake view.

If you’re looking to buy a home in Clermont, Minneola, Groveland, Winter Garden FL, I would love the opportunity to speak with you. Call or text me at 407-929-1852, email or visit

Clermont FL homeowners, do you know how much your house is worth in today’s market? Might be more than you think. Call or text me at 407-929-1852 for a FREE Market Analysis today.

Is HOA Living For You?



Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Will Hamm 06/21/2017 04:35 PM
Home Buying
All Things Florida
Posts to Localism
Central Florida
Local Expert
clermont homes for sale
moving to florida
moving to orlando

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Nick & Trudy Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtors, Philly Main Line

Good discussion. There are lots of pros and cons and it often depends for a buyer if an HOA will work for them. HOA's do protect home values often if well run. And many rules are sensible, but some can be restrictive to a buyer and they must consider what this HOA allows and does not.

Jun 14, 2017 06:35 PM #5
Endre Barath, Jr.
Berkshire Hathaway HomeServices - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

Beth great question and indeed often asked, and there are times that both parties do not agree on which way to go about it and often the pros and cons lead them to the right choice, Endre

Jun 14, 2017 06:42 PM #6
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Beth HOA's offer advantages, but with those advantages also come limitations. It depends on the needs of each Buyer whether the advantages out weight the limitations.

Jun 14, 2017 08:38 PM #7
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Home buyers should read this post and read the rules and regulations of HOA before buying a home.

Jun 15, 2017 03:34 AM #8
Nina Hollander
RE/MAX Executive | Charlotte, NC - Charlotte, NC
Your Charlotte/Waxhaw/Fort Mill Area Realtor

Good morning, Beth. It's important to know specific HOA rules before buying those communities... but I've lived my entire life in HOA communities and wouldn't live in one without rule. I really believe they keep home values up so long as the HOA rules are not onerous.

Jun 15, 2017 04:08 AM #9
Michael Jacobs
Coldwell Banker Residential Brokerage - Pasadena, CA
Los Angeles Pasadena Area Real Estate 818.516.4393

Hi Beth -- I've also had buyers who have expressed the same feelings about HOA living.  Discussing it with them involves asking questions and listening -- just another part of the real estate conversation.  I did enjoy your sentiment about the validity of information that is found online.  

Jun 15, 2017 05:45 AM #10
Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400
The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803 - Plainview, NY
Long Island Condo & Home Sale Specialists

We work with many buyers and sellers at HOA's and you are's not for everyone. I found it interesting to read about the garage doors not allowed to be open...

Jun 15, 2017 05:46 AM #11
Brian England
Arizona Focus Realty - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

I have always been a rule follower, so living in an HOA is no big deal for me.  I know plenty that don't like being told what they can and can't do to their home though.

Jun 15, 2017 06:58 AM #12
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Beth Atalay,  Pros and cons on HOA,  many people that move out here from the east coast does not know enough about Hoa.  Great blog.


Jun 15, 2017 08:31 AM #13
Dick Greenberg
New Paradigm Partners LLC - Fort Collins, CO
Northern Colorado Residential Real Estate

Hi Beth - Excellent post for a very common question. As you point oput HOAs vary in regulation and in practice. We have found it very helpful to have our buyers walk the neighborhood and, if possible, engage residents in a discussion of how the HOA is working.

Jun 15, 2017 11:02 AM #14
Belinda Spillman
Aspen Lane Real Estate Colorful Colorado - Aurora, CO
Colorado Living!

There are positives and negatives to HOA living.  Some of the restrictions are just over the top. 

Jun 15, 2017 12:45 PM #15
Amanda S. Davidson
Amanda Davidson Real Estate Group - Alexandria, VA
Your Alexandria Virginia Real Estate Agent

Beth, you did a great job breaking down the pros and cons of living in an HOA. We have a lot of HOA's in this area but, sometimes do get clients who want to avoid them. Awesome post!

Jun 15, 2017 05:18 PM #16
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

I totally get what you're saying when I asked myself the same thing at one time when I heard somebody else's story

Jun 16, 2017 09:32 PM #17
Patricia Feager
Selling Homes Changing Lives

There are many misconceptions about HOA. Buyers in your area need to know you are someone they can trust to provide the most critical information necessary for them to make an informed decision. 

This is an excellent blog post!

Jun 17, 2017 11:39 AM #18
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Hi Beth - there are pros and cons so it is individual or in some cases situational.  In my case I am happy not to have one here in NY but glad to know I have one in Florida because of the maintenance when I am not there.

Jun 19, 2017 12:24 PM #19
Sheri Sperry - MCNE®
Coldwell Banker Residential Brokerage - Sedona, AZ
(928) 274-7355 ~ YOUR Solutions REALTOR®

Some HOA are very restrictive and some arn't. It is best to get a lay of the land from a neighbor and written docs. If you are willing to live with the restrictions and the fees, it can be a good thing. Everyone else has to abide by the same rules!

Jun 20, 2017 01:58 PM #20
Jeff Dowler
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude - Carlsbad

Hi Beth

There are so many pros and cons about HOA living and you did a great job letting buyers know what these are so they can think about the issue effectively. And they can differ quite a bit in terms of HOA fees, how strict they are, how well run they are, and how solvent. It's important to do your due diligence if you are considering a purchase.


Jun 21, 2017 05:03 PM #21
Myrl Jeffcoat
GreatWest Realty - Sacramento, CA
Greater Sacramento Real Estate Agent

HOAs can have CC&Rs that are both beneficial, but also quite restrictive in what they will allow.  It is wise for prospective home buyers to review the CC&Rs, to see if they will fit their comfort zone.

Jun 22, 2017 04:42 AM #22
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

Our HOA charges $12.00 a month since its inception 1976. It never raised a penny and maintain about 2 miles of horse trail. We use boy scouts, retirees to maintain 6 spurs at no charge. 

Jul 14, 2017 03:17 PM #23
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

This is such an important consideration when buying a home where an HOA is present.  I've seen some that are easy to work with, and manage communities wonderfully, and others that sit back and collect a check, without doing much else.  That's why buyers need a local expert like yourself to help them know what they're getting into!

Jul 14, 2017 03:21 PM #24
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Beth Atalay

Cam Realty of Clermont FL
Sell or Buy Homes in Clermont FL
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