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  • Writer's pictureMelissa Herdman

"Effortless Living: Unlocking the Pros and Cons of Maintenance-Provided HOA Communities"

When considering living in a maintenance-provided homeowners association (HOA) community, buyers should consider multiple factors into account. Here are some key considerations that should be explored before making the adjustment.

HOA Fees: Understand the monthly or annual HOA fees and what services they offer. Maintenance-provided communities typically handle tasks like lawn care, landscaping, snow removal, exterior maintenance, and sometimes roof repairs/replacement. Review the services provided and make certain they align with your needs. Ensure that you are aware of the amounts of personal coverage that are provided, and if there is a master insurance policy to cover the exterior, common areas, amenities, and how this policy is billed.

Amenities: Determine what "extras" the community offers. Commonly included in communities are clubhouse access, swimming pools, fitness centers, and walking trails. Consider the value this would bring to your lifestyle and if they would be utilized by you if you lived there.

Home Exterior and Maintenance: Explore the level of exterior maintenance provided by the HOA. Some communities take care of everything outside your home, while others may have restrictions on modifications you can make to the home. Understand the guidelines and restrictions to make sure this lines up with your plans for personalization.

Community Regulations: Review the HOA rules and regulations. These may also be called covenants, conditions, and restrictions (CC&R). These guidelines determine what you may and may not do within the community. Ensure that your are aware and comfortable with restrictions on pet ownership, vehicle parking, noise levels, and any other aspects that may affect your desired lifestyle.

Financial Stability of HOA: Evaluate the financial health of the HOA by reviewing their statements, budget, and reserves. Adequate reserves are crucial to cover unexpected expenses or major repairs. A poorly managed HOA, or one lacking sufficient funds, could lead to increased fees or unexpected assessments in the future.

Sense of Community: Consider the social aspect of the community. If you value am active and engaged neighborhood, ask about community events, clubs, or social gatherings. Some maintenance-provided communities foster a strong sense of community, while others may promote more independent lifestyles outside of the community,

Location and Surroundings: Assess the location of the community. Consider proximity to grocery stores, medical professionals, and entertainment. Evaluate the overall desirability of the area.

Long Term Suitability: Consider your long-term needs and goals, and how a community will accommodate them. If there are concerns about health or mobility challenges in the future, consider accessibility, ability to have single-level living, and nearby medical services.

Research and Visit: Do thorough research on the communities being considered. Visit, speak with residents, attend real estate open houses. This may help provide first-hand insights into the atmosphere, management, and the overall satisfaction or residents.

Please let me know how I may best help if this is a move that you have been considering.

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