Florida's HOAs and condo associations are making the housing crisis worse
Posted by lovewins 3 days ago
Comments
Comment by BeetleB 3 days ago
I (thankfully) live in a neighborhood without an HOA. Just one block away, there is an HOA. No reason to prefer that street (and home values aren't higher there).
This isn't an upper class neighborhood. It's mixed. Half of the residents are blue collar workers.
Over the years, I would think of reasons/annoyances where I'd say "Yes, while I'm glad I don't have an HOA, if we did have one it would take care of this or that annoying problem with the neighbor."
Then I spoke to friends who live in HOA neighborhoods and are on the HOA board. They told me clearly that "No, in practice, the HOA is not going to get involved in those (serious) matters. All they care about is the veneer (house appearance) and really petty rules." They also told me the purpose of the HOA was to justify its own existence. The owners get almost nothing for the funds they collect, other than a 3rd party company driving by and noting minor violations.
Another friend just had to spend $4000 to paint the front of his house. He's temporarily living in another state for a work assignment, and he and several others got notices that the HOA has decided to change the "look" of the neighborhood. Otherwise his house looked fine (not worn out paint or anything). I bet someone in the neighborhood has friends with a painting outfit.
I can stomach the idea of an HOA if they solved real problems (sanitation, etc), and not just appearances, but they don't. Even if it's in their bylaws, they don't enforce the serious stuff. Just the petty stuff.
Someone losing a home because they decided to have a window AC facing the street is plain immoral.
Comment by nullocator 3 days ago
Comment by BeetleB 3 days ago
In practice, HOAs generally don't do anything useful, though.
Comment by firesteelrain 3 days ago
Comment by BeetleB 3 days ago
My house, though, is not common property. Let the HOA rules cover only the common stuff.
Incidentally, local government where I live provides tennis courts, basketball courts, swimming pools and plenty of playgrounds. A few of these are within walking distance...
Comment by firesteelrain 3 days ago
If it had a convenience store nearby, it would be like a little village
Comment by BeetleB 2 days ago
I get that there's a certain type of person who'd like this, but for the majority of people, you're highlighting the reason people don't like HOAs. You're creating a little city, whereas most people just want a home.
In any case, as I may have said somewhere - if you exclude condos, only a small percentage of HOAs have any shared facilities. No courts, no clubhouse, no pool, etc. When I was house hunting, easily under 10% of HOAs had any shared area.
Comment by sheepscreek 3 days ago
How?
Comment by margalabargala 3 days ago
Comment by firesteelrain 3 days ago
Comment by ImPostingOnHN 3 days ago
Comment by firesteelrain 2 days ago
Comment by ImPostingOnHN 2 days ago
There are a couple examples in the comments, of HOAs awarding no-bid, single-source contracts to cronies or family. Are you sure that a government-par bid process is universally, legally required for HOAs contracting out with contractors?
> If someone doesn’t like how the HOA is run then they can always try to run against the current Board members running for re election.
There are also several examples in the comments, of dreadful HOAs which retain power for reasons other than residents simply wanting it. Applied to the crony contracting described above, I don't think that most residents, if polled, would say that they want that, yet the examples still happened. That seems to indicate that your remedy was inadequate to effect the will of the people. So my question to you is:
If, say, people don't want their HOA corruptly accepting inflated charges in no-bid contracts with friends and family, using HOA money, how is it that in some cases, their HOA did so? Those are the failure points in representation which need addressing.
Comment by firesteelrain 2 days ago
Yes, per Fl Statute 720 any quotes/bids for contracts exceeding 10% of the budget requires competitive bids but doesn’t set a number like 3. Two is practical minimum.
But competitive bids for attorneys, architects, CPAs, community association managers, or sole source vendors where there is only one in the area that does the work etc are not required. Like say a business that is the only one in the area that does aquatic maintenance on ponds.
Anything else in here is just anecdotal
Comment by unshavedyak 3 days ago
Feels really odd, no one in our area actually wants an HOA. Yet i think people are going to flip when their HOA dues are suddenly required by the city and at much steeper rates (i imagine 2-4x the cost, our dues are quite small atm).
Comment by l1tany11 3 days ago
The real, completely arbitrary thing that makes housing expensive is zoning. There is research on this. Zoning, especially in the long term, has enormous effects, including on things seemingly unrelated such as reducing construction productivity, reducing competition among construction firms (fewer contractors) and reducing housing supply (supply vs demand).
I think people generally don’t appreciate how restrictive zoning effectively is. It’s not just what you can build, but how big it is, layout things, and can even reach into aesthetics etc.
Comment by mx7zysuj4xew 1 day ago
Comment by bagacrap 3 days ago
Comment by fn-mote 3 days ago
I am completely unfamiliar with a world in which HOAs fix roads.
I have also never lived in a city whose government got rid of weeds. What even is “weed abatement”? (Joke: Is this some slang for getting rid of the local marijuana grow houses?)
Comment by kevinday 3 days ago
One example is Musk Thistle. It grows extremely rapidly, reproduces at a rate that's unbelievable, and is very difficult to kill. In this heavily farmed region, a few of them growing in a roadside ditch can turn into tens/hundreds of thousands of them within a year. Not only do they outcompete just about any other plant including crops, but they have incredibly sharp barbs that injure livestock.
In publicly owned spaces or abandoned fields/lots, the county has people that searches for them and sprays them with a herbicide. If they're spotted on your private land, usually they'll notify you that you have X days to cut them down (before they flower and seed) or they'll come do it whether you want them to or not. Some counties will send a bill for this, some fund it from property taxes.
If you haven't lived in an area where they vigorously grow it sounds like a huge overreaction, but left uncontrolled because one neighbor isn't taking care of it, it can become impossible to keep it out of your yard. According to wikipedia, a single plant can produce 10,000 seeds that disperse through the wind and remain viable for decades in the soil. Even the desire to not have a painful rapidly reproducing weed in your yard aside, they can do incredible damage to cropland.
It's a shame though, it's a kinda pretty flower. Imagine a vivid pink sunflower.
Comment by WalterBright 3 days ago
Scotch broom seeds will also be viable up to 30 years.
Comment by philsnow 3 days ago
Comment by bagacrap 3 days ago
Comment by alistairSH 3 days ago
Who else is going to fix the roads? The county and state aren't going to, they don't own it. We seal the asphalt every 5-8 years and repave every 15-20 (I've only lived her 10 years, so those are very rough guesses).
Comment by kstrauser 3 days ago
That's not a given. I live in a non-HOA area, and everyone on my street has trash collection from the same company on the same day. Thursday night, we set our carts out. Friday morning, we bring them in.
There's a wide middle between HOA bureaucracy and pure chaos.
Comment by kjs3 2 days ago
Comment by alistairSH 2 days ago
My neighborhood - HOA handles it, trash pickup twice/weekly.
My parent's neighborhood (where I grew up) - no HOA, everybody handles it themselves, so adjacent houses end up with pickup on different days.
My previous neighborhood - county service (grandfathered in, the county stopped providing it decades ago, probably because people want a tax cut).
Comment by BeetleB 2 days ago
Just like electricity, gas, etc.
Comment by jjav 3 days ago
Of course not, that's not how it works. The city contracts with a trash collector and they set a weekly schedule for each neighborhood.
> Who else is going to fix the roads?
Is this a trick question? The county of course. They own the roads.
HOAs have no purpose.
Comment by kjs3 2 days ago
Is this a trick answer, or just deeply ignorant. Within 20 miles of me there are different places where a county, a city, a neighborhood and the state own the roads.
Seriously, WTF do you live where there's one answer to this question? Apparently so far out in the boonies you don't even have an interstate.
Comment by alistairSH 2 days ago
Dumb AF? Yes, no argument. Reality? Sad but true.
Comment by BeetleB 2 days ago
Comment by alistairSH 2 days ago
Neighborhood streets - it's mixed, largely on age of development. Pre-1980 (very roughly) that state/county likely own and maintain the roads. Post-1980 (roughly) it's an HOA or condo or similar.
Similar for trash.
Comment by BeetleB 3 days ago
There is a single trash company serving our area. Everyone just has a contact with them.
Comment by bagacrap 3 days ago
Wrt weeds, I suspect you are simply unaware of all the maintenance tasks your city does. Consider yourself blessed!
Comment by kjs3 3 days ago
Not that I'd ever want an HOA again, but that was nice and your experience isn't canonical.
Comment by wat10000 3 days ago
Comment by kjs3 2 days ago
Comment by wat10000 1 day ago
Comment by kjs3 22 hours ago
Comment by wat10000 19 hours ago
Comment by kjs3 12 hours ago
Comment by bagacrap 3 days ago
As far as the road part, I agree, doesn't mean that it's reality though.
Comment by brendoelfrendo 3 days ago
You'd think that means they have a gym on-site, but no; the HOA has a contract with a local health club to provide them with gym access. The club is owned by the builder's brother and the builder wrote the gym membership agreement into the HOA bylaws before turning it over to the community for management.
My friend is pretty understandably upset at this petty corruption, but every time it comes up, the HOA board would much rather deal with the "veneer" issues. Part of that is because the HOA board are busybodies, and part of that is because they're volunteers who have no desire to start a legal slap fight with the builder and his brother when they remove the (probably) unenforceable gym agreement from the bylaws.
Comment by ChrisMarshallNY 3 days ago
The segment ends with a funny "ad" about HOAs[1].
Comment by jopsen 3 days ago
That doesn't mean, you can't invite your neighbors over pizza or coffee, be friendly and one day mention that you think X, Y or Z and you wouldn't mind helping, and if they they aren't interested you'll totally respect that.
Don't be a Karen. But being considerate the old school way can go far. The rest you just have to live with :)
Comment by BeetleB 3 days ago
Comment by PsylentKnight 3 days ago
(I have nothing to add to the HOA discussion, just saying that “live and let live” has limits)
Comment by _carbyau_ 3 days ago
I think GP is advocating exercising social skills rather than "live and let live" without interaction between you.
Get to know each other - BBQ or similar. Sure, you find out or confirm you hate some of their views/hobbies. But it also means you develop human empathy and usually find things you do agree on.
Maybe you hate their loud car. But you both hate the climbing vine on the fenceline and could spend a saturday morning fixing that together.
Comment by mx7zysuj4xew 1 day ago
Why Americans insist on living in fcking plywood shacks is beyond me
Comment by weberer 3 days ago
>Florida ranks 1st of the states on HOA Spy for foreclosure suits brought by associations, with 10,296 of 14,168. The count depends on which courts are indexed in each state as well as on the associations, so it is a count of records, not a rate.
Florida is known for having the strongest "sunshine" laws in the country, that make government records transparent. That makes this statistic pretty useless.
Comment by aliasxneo 3 days ago
Comment by bennettnate5 3 days ago
Comment by adrr 3 days ago
Comment by JumpCrisscross 3 days ago
Technically public and transparent are different things. I looked up a couple HOAs on HOA Spy that I know have filed liens in my state–they come up green.
Comment by giardini 3 days ago
Comment by JumpCrisscross 3 days ago
I think that property taxes and similars (e.g. HOA dues) should accrue as a lien against a property but not be foreclosable during the original owner's life. Then you create a state-backed entity that provides guarantees on loans against those liens for the municipalities and HOA subject to certain rules. (They could still factor those liens privately sans limitation.)
Comment by defrost 3 days ago
Good.
> ... and their owners' values decrease.
Really? In fifty years of home owning, not once with the "benefit" of a HOA, I've yet to see an owned house value decline.
Some countries just bypassed this entire US obsession with redlining and keeping the others out. Maybe try working more on community and less on uniformity.
Comment by eudamoniac 3 days ago
Comment by joeblubaugh 3 days ago
Comment by onesociety2022 3 days ago
HoA might be pointless if everyone lives on 5 acre lots where the stuff your neighbor does won’t really affect you but if you have homes squeezed into tiny 8k sq ft lots, we absolutely need some basic rules to live together in such close proximity. The rules can just be common sense rules that everyone can agree on but something needs to exist so one person can’t ruin it for everyone else. In a condo, you can’t just blast music during the quiet hours so others can sleep and go to work. In a neighborhood street, you don’t get to permanently park your giant RV and a boat and inconvenience others because you bought too large of an RV to fit in your own lot or are too cheap to pay for storage somewhere else and so now you have decided it to make it be everyone’s problem. This is just common sense which a typical considerate person would follow even without rules on the books but there are always a few that think they can just do whatever they want.
Comment by MandieD 3 days ago
Someone is making racket after 10pm or before 7am, or at all on Sunday? If they won't quiet down after being asked nicely, or you can't reach them, call the city - that's against national law. Someone decides to park something too wide for the street or over a certain size and weight? Call the non-emergency number, and a very eager tow-truck driver will show up with a quickness you wish ADAC (German AAA) would. Something has been parked on the street and not moved within a certain period (that I don't know off the top of my head) - tell the city that there's an abandoned vehicle and they'll put a sticker on it alerting the owner that they have 48 hours to move it. If parking is really tight in a neighborhood, the city will create a parking permit zone if you and your neighbors campaign for it. Someone doesn't mow their yard by July (before that, it's for the sake of wildlife) or won't get their tree that is growing over your fence trimmed? The city will make them if social pressure doesn't do it first.
Comment by wil421 2 days ago
I’ve never lived in a HOA that had to maintain roads, sewers, or street lights. All the infrastructure is covered by the county or city. Neighborhood pools, playgrounds, and common areas are HOA. That’s in addition to local parks, aquatic centers, and all the other local public service stuff the county and cities provide.
Our lots are 2,000-4,000 square meters or more.
Comment by BonnieBrown 2 days ago
Comment by kashunstva 3 days ago
Comment by stasomatic 3 days ago
Comment by Terr_ 3 days ago
That's how you get Mr. Burns blocking out Springfield's sun.
Comment by eudamoniac 2 days ago
Comment by defrost 3 days ago
I have that (see: Australia).
Don't need no HOA for that, just good community spirit, sensible local government, etc.
Comment by JumpCrisscross 3 days ago
Comment by defrost 3 days ago
I did state as a fact that they are not required for park management. They're also less common than in the US and, so far at least, far less draconian (seemingly) in comparison to nightmare USofA HOA stories.
Comment by Der_Einzige 3 days ago
Comment by JumpCrisscross 3 days ago
Freedom of assembly. If my neighbors and I buy stuff, put it in a box and then buy and create rules around how its benefits and costs are divided, and I sell my share in the box, that should be fine.
Comment by Steltek 2 days ago
It's like "buying" digital movies. The button says Purchase but you/Amazon still get to dictate terms long after the sale.
Comment by JumpCrisscross 2 days ago
They bought the box with the rules attached. Property is a packet of rights and obligations.
Should the town be allowed, ex post facto, to decide you’re no longer getting police and fire protection because they control those resources?
> I just paid hundreds of thousands of dollars to have my name put on someone else's contract without being able to negotiate any terms
Plenty of people negotiate HOA riders in buyers’ markets.
> like "buying" digital movies
Someone buying a house like they buy movies is always going wind up with the short end of the stick.
Comment by Der_Einzige 2 days ago
I’ll do whatever I can to wage war against the median HOA owner. They are the scum of society and deserve every bad thing that happens to them.
Comment by sagarm 3 days ago
Comment by datsci_est_2015 3 days ago
Comment by lithos 2 days ago
Comment by pretzellogician 3 days ago
After expressing their utmost sympathies and saying they'd help any way they could, mere weeks later they put a legal "estoppel" on the sale of the house due to some overgrown vines(?), which of course, were never mentioned by anyone.
Comment by firesteelrain 3 days ago
Comment by pretzellogician 3 days ago
Regardless, they made a simple issue (which was not disclosed at least to me) a legal hassle.
Comment by firesteelrain 3 days ago
Comment by firesteelrain 3 days ago
Condo rules are much stricter than HOAs
State of Florida also puts caps on fines - the max is $100/day or $1000 for a single violation. But that’s after a period to cure and then due process meetings (made up of homeowners not board members) who may waive or not fine at all or defer.
A homeowner can also fix the problem and later have the same problem again but not be fined if they fix in time.
The foreclosures are for extreme cases and a lot of HOA attorney shops don’t charge a retainer but will tack on fees that are paid back to the HOA attorney and association.
To get to that point takes a long time
Comment by jghn 3 days ago
Comment by wat10000 3 days ago
I’d have no problem with their existence if it was a free market, but I have a big problem with them when they’re being legally mandated.
Comment by CGMthrowaway 3 days ago
Then people ought to be complaining about their local governments, not HOAs.
Comment by jjav 3 days ago
Complain all you want, but if all new homes in your city are in a HOA, you are going to be under the thumb of those 80-something HOA board members who have nothing else to do in life but nitpick your house violations. Is that a desirable outcome for anyone?
Comment by Der_Einzige 3 days ago
Comment by kashunstva 3 days ago
Comment by Der_Einzige 1 day ago
https://www.theguardian.com/world/2020/mar/24/older-people-w...
https://www.vanityfair.com/news/2020/03/dan-patrick-coronavi...
https://www.democracynow.org/2020/3/24/headlines/texas_lt_go...
Comment by DangitBobby 3 days ago
Comment by wat10000 3 days ago
Comment by awakeasleep 3 days ago
“Full rate” is almost always subsidized through the windfall taxes on new growth and development, putting towns in a ponzi scheme like situation.
Comment by b0rtb0rt 2 days ago
Comment by awakeasleep 2 days ago
Comment by wat10000 2 days ago
Comment by Terr_ 3 days ago
Kind of like how most software bugs problems are not Integer Overflows, most unsustainable things are not Ponzi schemes.
Comment by jghn 3 days ago
This is true, and I'd never choose to live in an area like that.
Comment by gatlin 3 days ago
Comment by Aurornis 3 days ago
Where I’ve bought houses, HOAs were rare. I’ve always heard about these places where HOAs are the only option but I fortunately haven’t run into one.
Comment by downut 3 days ago
Listings:
No HOA fee: 32 up to $500/month: 62
I'm not going to bother because this is an HN comment but I think you can imagine what happens to the results when I specify newer than say 1993 (when my house was built).
I have an HOA, but it seems defunct. Everything we do to the house, if visible, can be interpreted to mean I must get unanimous agreements, in writing, from all my neighbors.
It turns out I managed to land right between two asshole neighbors (constant trespassing, dogs, etc)
Comment by ethbr1 3 days ago
HOAs are pushed by state and local Florida governments because they create stronger guarantees about what a new development will self-maintain (and therefore won't need to be immediately funded by a local government).
Also... high COL coastal Floridians (and especially transplants) seem to be incredibly conservative in the sense of 'I want to keep my neighbor from doing anything crazy.'
For them, HOAs are a guarantee that the asset they bought is less likely to be blighted by its neighbors.
Personally? It itched like hell when I lived there, and that was with a fairly relaxed HOA. One of the many reasons I'd never live in Florida again.
Comment by gatlin 1 day ago
Comment by SpicyLemonZest 3 days ago
Comment by jghn 3 days ago
Comment by derektank 3 days ago
Comment by dghlsakjg 3 days ago
What is the best alternative to that choice? You can’t answer since you aren’t the one in that position.
Frequently it is the least bad among a bunch of choices.
Choosing to go into crippling debt to pay cancer treatment bills is a choice too, but only a moron thinks the blame should be laid at the feet of the patient for making that “choice”.
Comment by ted_bunny 3 days ago
Comment by jghn 3 days ago
Comment by jjav 3 days ago
Free markets (and the associated "invisible hand") only work when choice is truly available, not purely theoretical.
Comment by gatlin 2 days ago
Comment by tarpitt 3 days ago
Comment by redwood 3 days ago
Still renting is almost always a better economic choice. It's a question of whether your quality of life and the ability to experience meaning is directly tied to your feeling of ownership which somehow translates back to your interest in building your community and neighborhood. And that's where it comes full circle
Comment by ryandrake 3 days ago
Comment by delichon 3 days ago
What consequences are sane for a member who does not pay dues, water bills, etc., for a prolonged period? Turning off the water is illegal here. Liens get ignored. My HOA will avoid foreclosure for years, and has only resorted to it twice in twenty years, but it's the ultimate recourse. Should the other members just suck it up forever?
Comment by lokar 3 days ago
Comment by delichon 3 days ago
Comment by lokar 3 days ago
Comment by jjav 3 days ago
None. No HOA should have any power over a private home owned by an individual.
Not sure how water bill is relevant, that is paid to the water agency. They'll shut off water if not paid for some months.
Comment by delichon 3 days ago
Comment by jjav 3 days ago
What does this have to do with a HOA being allowed to demand color of windowshades or what kind of flowers someone likes to plant in their yard?
Comment by dpark 3 days ago
Comment by jjav 2 days ago
Comment by dpark 2 days ago
The fact that some HOAs are meddlesome neighbor havens doesn’t mean all of them are. (Though I agree with others here that the roles herein described belong to a municipality.)
Comment by thiht 3 days ago
... there should be one, wtf is wrong with your country? Why are you replacing towns with HOAs?
Comment by delichon 3 days ago
Our property taxes are so low they have made previously suburban grown men shed tears of joy.
Comment by legacynl 3 days ago
So instead you put this burden on the people living there, who presumably are already paying some form of taxes?
What's the point of all this? Give up ownership of your own house and frontyard, so you can pay dues, to get access to services that would be free with a real municipality?
Comment by dpark 2 days ago
> would be free with a real municipality
You can’t possibly be serious with this.
Comment by matwood 3 days ago
Until the house is sold or refinanced. Yes, the HOA has to wait, but can eventually get its money with interest.
Comment by monksy 3 days ago
Comment by compiler-guy 3 days ago
An HOA isn't just about neighborhoods of freestanding houses, it's also about multi unit buildings.
Comment by lucaspm98 3 days ago
Comment by compiler-guy 3 days ago
Nor do real estate listings [2].
And indeed, the grandparent post talks about missed water bills and other bills that fall on the collective rather than fines about incorrect colors or trash cans being left out.
So while legally there are differences between the two, the term "hoa" is almost always used as a blanket term to cover both. As they were in this article and nearly all of the discussion in this thread.
1 ... the laws that followed it require older condominium buildings to pass a milestone structural inspection (section 553.899, Florida Statutes) and to fund structural reserves on the strength of a structural integrity reserve study (section 718.112(2)(g), ...
The cost is visible in the dues. Redfin reported in August 2024 that median monthly HOA fees in the three months to July 2024, against a year earlier, rose...
2. None of the listings here distinguish between hoa dues and condo association dues. https://www.zillow.com/homes/for_sale/273801_rid/ Nor do several other cities that I tried.
Comment by Spooky23 3 days ago
For example, they’ve fought for the right to have a “right to work”, so that closed shops can’t be a thing — you cannot compel inclusion in a bargaining unit by nature of employment.
Yet restrictive deed covenants where you are compelled by the state to join a private association are fine.
The arguments for or against them are similar if you dig into them.
Comment by watwut 3 days ago
HOA should be allowed to kick out member. And people should be allowed to not be members of HOA.
Comment by tyrabound 3 days ago
Even if it’s a very low maintenance and amenity HOA on public roads, how do you resolve the fact that all the fees and costs have accumulated if the home were to be sold, you essentially end up at a similar end point where the home is sold. Usually these are also not individual circumstances, i.e., a person who has ignored all kind of warnings and letters and board meetings over usually years, also has many other issues going on and often they’re just letting the home go anyways and e.g., are just living there for “free” for about 1-3 years of HOA/bank legal proceedings.
Comment by jjav 3 days ago
Very easy answer: they don't get access to the pool, river docks, common lakes (per peer thread) that the HOA maintains.
They of course must maintain full control and ownership of their private home.
If you answer that there is nothing they would lose access to (no pool, no rivers, no lakes) then that is a very strong answer stating the HOA has no right to exist.
Comment by ethbr1 3 days ago
Comment by watwut 3 days ago
There is no need for "HOA owned and maintained street". You do not need HOA to maintain streets.
Comment by ethbr1 3 days ago
You might in the event the streets aren't publicly maintained.
But that use case is in the extreme minority (rural development) compared to the common HOA usage (dense large suburban developments).
Comment by gruez 3 days ago
Just like labor unions (ie. "right to work" states), right?
Comment by Loughla 3 days ago
Also I'm a firm believer that if you're at a union shop and decide not to be part of the union you shouldn't be able to use their pay scales and should have to negotiate everything for yourself. The same with HOA's, I guess. If they do something for the community, like the pool the other poster talked about, then you shouldn't have access. Easy.
They shouldn't be able to take your house for any reason.
Comment by gruez 3 days ago
At least in theory? Neighborhood "character" (and by proxy "land value").
Comment by Loughla 3 days ago
But also I'm biased.
Comment by watwut 3 days ago
HOAs don't add value. All they are is an opportunity to power trip for those who have the most free time on their hands.
Comment by gruez 3 days ago
I'm sure the people who support right to work laws would also claim labor unions "don't add value". On the flip side I doubt HOA supporters think they "don't add value".
Comment by excannuk 3 days ago
Comment by notatoad 3 days ago
given that an HOA is completely unnecessary... yes. you should suck it up forever. if you want to be part of an HOA and pay dues into it, good for you, go ahead.
if somebody else doesn't want to be part of your little club, why should you get to take their house away for that?
Comment by matwood 3 days ago
Typically the HOA's I've seen manage community resources. Where I used to live that meant the neighborhood parks, green spaces, 3 docks in the river, a pool, and a few lakes. No value seems a bit hyperbolic.
Comment by notatoad 3 days ago
most HOAs manage a tiny amount of communal green space that should have been turned over to become city property, but was held back as HOA property to give the HOA a reason to exist.
Comment by bluGill 3 days ago
I think we have the wrong units of measure for government size. I live in a county where the lines made sense 200 years ago: Everybody in the county can ride their hose to the courthouse, file whatever they need and be home in time for super. These days everyone drives and can be there in half an hour or less. Instead what I care about is the metro area. I want a unit that ensures my transit system is a coherent whole, the water supply is cheaper to consolidate to one large entity vs many small ones.
There is one suburb near me where some people would have to drive 25 minutes to get to the city library - most of that is uncongested highway. I really need a smaller unit to own and run a library so kids are always in bike distance. That city does a good job of scattered small parks but there is one complex with large fields for softball - if you don't live close maybe you shouldn't pay for something you don't use. I want parks owned by a smaller area government that can bring my neighborhood something they don't have. - HOAs often serve that. They just have a poor legal structure.
If you own part of a shared walls building then a corporation is required to manage that. You have to pay your share of the share costs. However the corporation should be limited in what else it can do, but it must exist.
Comment by nrmitchi 3 days ago
You are just making this up at this point. Why do you think the city would accept property that they would have to legally maintain and be responsible for, when it is generally isolated and (largely) accessible to only a specific neighborhood?
Comment by nullocator 3 days ago
Mostly I don't understand why an individual neighborhood would need it's own out of band election process (that typically allows people to gain tremendous power and authority without anyone voting for them), and representatives completely decoupled from the state or government but often times acting in parallel.
Comment by nrmitchi 3 days ago
Come on, at least try. HOAs (typically, your word) have elections. Someone doesn't just walk in and declare themselves the association president.
Comment by nullocator 3 days ago
Typically elections would take place during the annual meeting. Usually there is such low community engagement that there is no home owner quorum under the Covenants Conditions & Restrictions. Depending on the CC&Rs a property management or build rep will appoint the open board seats, or for example in the case of my HOA they will go by default to whomever is attending the meeting and wants the spot, assuming the current board doesn't object to that person.
For my association the board has basically been self appointing each other and their spouses for the last 15+ years. The current president has managed to obtain several proxy votes of rental property owners and the current board members use these to overrule any objections to them reseating themselves. They also squash any attempts to force a community wide vote, because again lack of quorum. Basically impossible to get enough people to actually attend the meeting to get the current board replaced, especially when they've gone all digital and tend to cancel/reschedule the meetings last minute and then provide very little notice of the new time.
Comment by nrmitchi 2 days ago
If they are using "proxy votes", then there is in fact a vote. If your objection is that they ran unopposed because no one else bothered to give a damn, then... you should try giving a damn. Apparently you can be the person able to "gain tremendous power and authority" just by showing up, and then you can do something about it.
Comment by nullocator 1 day ago
Comment by jjav 3 days ago
Not OP, but that is exactly what happened in my neighborhood. It has parks and trails and several sports courts, two playgrounds, dog parks. It was all turned over to the city to be public land to avoid having a HOA.
> generally isolated and (largely) accessible to only a specific neighborhood?
No. It's just land around the neighborhood, easily accessible to anyone in town (or nearby towns).
Comment by sroussey 3 days ago
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Comment by sam1714 3 days ago
You can put in a special district, that's an HOA under a different name, with even more government powers and bureaucracy costs. For example, you vote on stuff via the general election, they can seize your home for unpaid property taxes, they can impose zoning laws, and in some places they can impose criminal ordinances (dog pooping in the park).
Comment by ImPostingOnHN 3 days ago
Mine should. That's literally the city's job.
There are unincorporated areas of the USA if you don't want a city government and want to do it all yourself.
Comment by dcrazy 3 days ago
Comment by irishcoffee 3 days ago
It’s really not hard to find, though last time I bought was a decade ago and prices have increased, the HoA status (a lack of an HoA) has not changed.
I also explicitly refused to even consider an HoA neighborhood. Lol, fuck all that.
Comment by jjav 3 days ago
The typical HOA (and by typical I mean asymptotically close to 100% of them) do not maintain 3 docks in a river and a few lakes!
If a neighborhood has those kinds of resources, some kind of HOA fee seems reasonable, agreed.
Even in such a neighborhood, the HOA should be limited by law to managing those common area rivers and lakes, not allowed to have any opinion about what flowers someone plants in their yard or what color windoshades they install.
The typical HOA does not have rivers nor lakes. They only have bitter dictator-wannabe board members who look for ridiculous "violations" like your grass is 3/4" tall when their rulebook says 1/2" tall, so they can send eviction notices to flex their power.
Comment by wat10000 3 days ago
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Comment by eudamoniac 3 days ago
If my neighbor decides to start blasting music at 3am for some reason, I don't have to suck it up for the next decade, I can just get the HOA to deal with it. Very peaceful.
Comment by mulderc 2 days ago
If there is blasting music at 3am the police in my area would deal with that and every city I have lived in deals with those type of nuance issues quickly.
HOAs are not common where I live and they just sound like people privatizing what your local government should be doing.
Comment by eudamoniac 2 days ago
Yes, that is what they are. It's easier to agree to a covenant to follow some rules and do things than it is to change laws and then get them enforced. You can't think of one thing you wish would be enforced that isn't a law? "I wish my neighbor didn't paint his house an ugly hot pink and park a rusted tractor on the lawn." Well with a hoa you can all agree to not do that.
American cities are largely failed states where police would not respond to anything short of murder, so yeah be grateful for your place of living
Comment by mulderc 2 days ago
Also since my city is a democracy with vibrant civic engagement, if I thought a law needed changing I am pretty sure it would be fully debated and considered. What I have heard from friends who have lived in HOAs would suggest that I could not be confident the HOA board would give a crap.
Comment by recursive 2 days ago
And yet, people still live there. Sounds like a reasonable work-around.
Comment by mulderc 2 days ago
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Comment by nrmitchi 3 days ago
This is true sometimes, but if you are upset at a specific HOA, look at your docs to see what it actually manages. HOAs exist to pay for community obligated costs; sometimes that is a pool, sometimes it's "water and gas bills", and sometimes it's an entire golf course.
Further, if you're talking about a condo building (which, yes, is technically a COA, but the two get combined all the time), it is literally paying for your roof and elevators to work.
Buying into a "little club" and agreeing to pay your share of expenses only works when everyone participates. If not, your neighbors are just paying upkeep on your property; why should they have to do that?
Comment by jjav 3 days ago
Neighbors in a HOA are very clearly never paying upkeep of your property, that's is nonsense.
A condo association is a whole different ballgame, since there is legitimate shared structural walls, roofs, elevators, etc. But single family home HOAs, there is nothing the HOA does to maintain individual homes.
Comment by jltsiren 3 days ago
Such arrangements used to be common, but they have become increasingly rare in the past few centuries. Many were explicitly abolished by law when free markets started getting popular. Often for antitrust reasons, or because people thought it would not be in the public interest to have certain types of contracts the previous owner made also bind the new owner.
I can think of a few similar arrangements in Finland. For example, membership in student unions at research universities is still mandatory, as is membership in reindeer husbandry associations. Those entities perform government functions, and the actual government has chosen not to assume the responsibility for one reason or another. As a consequence, the entities and their officials are subject to the same regulations as the government when wielding powers used to justify mandatory membership.
Condos are another story. If the entire complex is a single property for legal or practical purposes, it makes sense to have a single entity in charge of it.
Comment by monksy 3 days ago
> they should lose access to the pool, not their house.
To enforce this you have to be able to gate, secure, and prevent them and their guests from using this. That costs a lot more money just to ensure they pay in. The HOA is the least worse option to "consent" and ensure that they do. Taking away the house is a much later step after a letter, 2nd and 3rd warnings, fines, ignored fines+interest, and a lein is ignored.
Comment by jjav 3 days ago
Since presumably you're also preventing people from outside the neighborhood from using it, then it is beyond trivial to prevent the non-paying neighbor as well, using the same gate key mechanism.
Comment by lucaspm98 3 days ago
Comment by biggestriverman 3 days ago
Comment by Johnny555 3 days ago
Because they signed the paperwork saying they wanted to be part of the little club and gave that little club the power to take away their house.
Comment by chasd00 3 days ago
Comment by cranky908canuck 3 days ago
Then "people want a house without dealing with strata" gets misinterpreted as "people want big houses on big lots". Not necessarily true, just that the premium for the BHoBL is the necessary price of not giving busybody neighbours power over your home.
Comment by crazygringo 3 days ago
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Comment by bayindirh 3 days ago
Also, once in a decade is not a rare occurrence for events of this significance. Once in 20 years is OK, once is 50 is rare, but once in a decade is not.
I mean, the idea is nice, but it involves humans.
Comment by nullocator 3 days ago
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Comment by FireBeyond 3 days ago
The HOA hired a law firm, forced a foreclosure, held a foreclosure auction where the HOA itself bought her house for THREE DOLLARS, and continued to charge her HOA dues (even though the HOA owned the home now) before evicting her later.
The HOA then sold the home to an employee involved in the foreclosure, whose partner was on the HOA board that had voted to foreclose, and voted to accept the three dollar ($3.24, to be precise) bid, though they hid this behind an LLC that didn't actually exist when they did it. The employee then reactivated her real estate license and sold the home to another family several months later.
There are fewer greater lunacies than HOAs, and the type of people drawn to run them.
Comment by FireBeyond 3 days ago
And when I say they sold it to an employee involved after buying it themselves at auction for that $3.24, they sold it to the employee for one dollar. So this woman was out hundreds of thousands of dollars of equity because a self-dealing HOA and its law firm (tied by marriage to one of the HOA board) voted to foreclose on her home and accept a purchase price that couldn't buy you a drink at Starbucks.
Comment by monksy 3 days ago
I can't imagine that a good judge would accept that settlement to scam someone out of a house far below value and leave them with the debt.
Comment by thrownaway561 3 days ago
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Comment by dyauspitr 3 days ago
Comment by Aurornis 3 days ago
Most neighborhoods I’ve lived in have not had an HOA. They’ve ranged from okay to great.
I can think of a few neighbor situations where an HOA with teeth would have been welcome. The most specific involved someone getting a big angry dog breed, neglecting it, and then leaving their gate unlocked so it got out. That one was eventually dealt with by the city, though.
Meanwhile the one HOA I lived under was pretty boring and friendly. Didn’t really bother anyone but maintained a nice common area. HOA board members were friendly and reasonable, but then again so were all the neighbors so there wasn’t much to deal with.
I think the nightmare situation is a busybody HOA that starts going after things that don’t matter, which would be hell.
Comment by FireBeyond 3 days ago
Wow, no. That should only be dealt with by the city. I cannot imagine the types of misuse and abuse that would come from the self-centered, small-minded petty tyrants that want to be on a HOA board deciding what breeds of dog they'd like in their community. It'd be a bunch of "toy" dogs that frankly I find far more obnoxious than larger breeds with incessant yapping. I don't get to make the decision that that's a problem, because it's a preference/annoyance, not a problem. But you can guarantee that that's the kind of thing that happens.
> I think the nightmare situation is a busybody HOA that starts going after things that don’t matter, which would be hell.
I think many HOAs are exactly that, because often the kind of person drawn to being on a HOA board is exactly that. Just like they're often the kind of person to post on Nextdoor, "Hey, there are a bunch of black teenagers I've not seen before walking down the street."
Comment by Retric 3 days ago
Net effect you lose money living in a worse location.
Comment by dylan604 3 days ago
Comment by jjav 3 days ago
Also, we have no HOA, so there are no ridiculous restrictions, which means the neighborhood has character. Every house is painted in unique colorful styles, instead of endless shades of dull beige. Every house has unique vegetation choices based on owner preferences so it is fun to walk around and sightsee. We have no HOA, so there are zero restrictions on decorations, so we are the Halloween capital of the county (coming up in a few weeks!)
It's a vibrant unique neighborhood full of facilities and character, precisely because there is no HOA to destroy it.
A similar neighborhood across town (we're a small town so across town is just a mile away) has a HOA, every house is a dull shade of beige and they have very harsh rules, like HOAs of course do, on decorations, so Halloween and Christmas are DOA over there.
Comment by onesociety2022 3 days ago
Comment by jjav 2 days ago
Unfortunately there are nowhere near enough choices for people who want a bit more joy out of their neighborhood than that.
Comment by monksy 3 days ago
Comment by dyauspitr 3 days ago
Comment by monksy 3 days ago
In this context, do you still believe that dealing with this fine should involve the work, effort, resources, legal fees, court time, delays in court availability because healthy 40 year old Jim bob was late for work and couldn't shovel their portion of the sidewalk the last 10 times? Or that the Gen Z, not my problem because I don't think it's a problem.
Comment by aidenn0 3 days ago
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Comment by smt88 3 days ago
But that’s all beside the point, because this article is about how HOAs are bad for people who need somewhere to live, not about what offends your (unusual) taste.
Comment by Zigurd 3 days ago
Comment by jjav 3 days ago
Give me a neighborhood with freedom where every house is different, every yard is different. That's a community.
Comment by flovec 3 days ago
This is relative. You might not think native flowers and plants are stunning, and that a manicured lawn is, but I do! And lawn rules might prevent me from obtaining my version of “stunning”. This is something…you want to defend? A lack of freedom to do what one wants with something they own?
Comment by dyauspitr 3 days ago
Comment by flovec 3 days ago
Narrow bounds would be one thing! The issue with this point is that you may unable to purchase a house _without_ an HOA:
* https://mediaroom.realtor.com/2026-01-27-Nearly-44-of-U-S-Ho...
* https://www.nahb.org/blog/2025/12/community-builds-are-on-th...
So it's not really about having a choice, it's about lack of one.
Comment by mullingitover 3 days ago
I would wager that the money residents might have paid for HOA fees have largely gone into their own home/yard improvements, and it shows. Adding an HOA in this place, and I think most places, would be a burden rather than a benefit.
Comment by asdff 3 days ago
There's probably a security aspect too with regular private security patrols in HOA areas that do enough to shoo away encampments from setting up. You don't have to look to hard to find encampments off vine north of melrose but you aren't going to find anything like that south of melrose in hancock park, thanks to the spend on private security, given it's the same LAPD in either case.
Comment by silisili 3 days ago
I could show you HOA neighborhoods that look like a warzone, and beautiful nonHOA areas of million dollar houses.
Comment by dylan604 3 days ago
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Comment by bluGill 3 days ago
However if you are concerned the place to start is high level. HOAs are subservient to other governments who can (and should) place laws about what they can do.
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Comment by qurren 3 days ago
I don't give a shit about a "stunning" neighborhood. If I own property nobody else should have a say about its appearance.
The only exception I'd defend is a historic neighborhood where the goal is specifically to upkeep a historically accurate appearance of centuries ago.
But no, I will NEVER support an HOA anywhere else. These consortiums of Karens that patrol modern housing communities can go to hell.
I will plant the flowers I want, have the Halloween decorations I want, and do whatever woodworking I want in my front yard. What's the point of ownership if I can't own it?
Comment by FireBeyond 3 days ago
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Comment by pdonis 3 days ago
My own personal experience from my wife having owned one condo and she and I having owned four houses is not very encouraging for your claim either. Of the four HOAs involved, the two that were run entirely by management companies (i.e., by people with no personal connection to the neighborhood, with little or no activity from the community members on the Board that we could see) were fine, they kept the common areas maintained and basically did nothing else that affected us. The condo association, while it had a management company, also had a Board filled with community members who had nothing better to do than harass everyone else, which they did with an energy that would have been amazing if it had been directed towards something productive. The other HOA had no management company, just the Board of community members, and was very intrusive, and from what we learned from neighbors, had been a mess for the entire history of the community.
So we now live in a neighborhood with no HOA, we only have to deal with the municipality. We like it.
Comment by BeetleB 3 days ago
The latter, because I can kick them out of office, and because silly rules will impact a much larger number of people, and a large number can have their voices heard.
When your HOA has only 20-30 members, variance is high. It's a lot easier for people to abuse HOA power for their own personal gains.
Comment by nrmitchi 3 days ago
Comment by pdonis 3 days ago
Yes, and then you find out just how petty petty politics can be.
The inconvenient truth, at least for HOA advocates, is that a community of 20-30 people, or even a hundred or so, does not need to be governed at the level of the community. Most people are reasonable and will respond to reasonable requests from neighbors if there is an issue, without having to drag in a higher authority at all. Those who are not reasonable, are not going to be magically made reasonable by having an HOA--indeed, as you admit, they're precisely the ones who are going to end up running the HOA. On balance, you're better off not having "governance" at all until you get to a larger population, like a town or a city.
Comment by derektank 3 days ago
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Comment by pdonis 3 days ago
Only in a very minimal sense. A management that is only empowered to maintain common areas of a community can't "govern" the community members except in the very narrow sense of enforcing whatever rules the community wants to have for the use of common areas. Which is just an aspect of the fact that the community as a whole owns the common areas and the owner makes the rules.
Such a management can't mess with community members about how often they cut their lawns, or what color they paint their house, etc. But that sort of micromanagement is what "governance" by HOAs ends up being when it goes beyond basic management of common areas.
Comment by jjav 3 days ago
Sure. I think very few, if any, people dispute that. If there actually are common facilities like pools, it makes sense to have a common pot of money everyone contributes into, to maintain those facilities. Just about everyone will agree with that.
How do you make the huge leap from that, into saying a HOA has any kind of right to demand what kinds of flowers or windowshades or decorations someone installs into their private (not shared!) property?
Comment by BeetleB 3 days ago
Comment by derektank 3 days ago
Comment by BeetleB 3 days ago
This varies widely depending on the city. In many cities, it's hard to find a detached house in a neighborhood (that isn't ghetto) that doesn't have an HOA.
Comment by pdonis 3 days ago
Comment by dolebirchwood 3 days ago
I showed up to my first annual meeting where basically no one was there other than the president. He asked if I wanted to be on the board because they didn't have enough people participating. I asked what I'd have to do, and he said "just vote on things". I said OK, and he said the rules let him appoint members to vacancies (spoilers: the rules don't), so he "appointed" me on the spot.
At subsequent meetings, I discovered most of the board was completely disinterested in doing anything, other than the president who would probably fall under the "petty little shit" category, but he seemed like he knew what he was doing (spoilers: he didn't), so everyone pretty much just voted in favor of what he wanted to do. I was the only board member who worked from home, so I would be the only one on site to deal with things that involved vendors working on the property, so then I became the guy everyone expected to do everything.
The president got diagnosed with cancer and had to step down. He wanted me to be president, but I was like fuck that. The VP took the role, but she has pretty much done nothing and is clueless, so I keep being the one people expect to take the lead on everything.
I'm honestly tired of it and wished some competent people in the association would get on the board. There were massive mistakes I caught as a board member because I'm the only one who actually reads anything in the bylaws, CC&Rs, and all that shit. The HOA had been paying hundreds of dollars a year for decades on things that didn't need to be performed because our property management company misclassified us under some statute that didn't even apply to us, and nobody knew any better or even bothered to ask, "Hey, why the fuck are we actually doing this?"
I'll not say I'm a "good" board member. I don't care about enforcing house rules, and I don't want to get involved when people complain about their neighbors unless it's something that affects the association's financial health. The only reason I stay on is because I've done enough after-the-fact clean-up of the previous president's mess that I'm terrified of what insane things might happen if no one is keeping an eye on the other members. If you're in an HOA, I'd encourage getting involved to keep the crazies in check, at least for as long as you can stomach it.
Anyway, thanks for listening to my TED talk.
Comment by nrmitchi 3 days ago
It's not a competition, but I'm pretty sure my "wow this is totally fucked up" stories beat yours ;)
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Comment by BeetleB 3 days ago
That's an argument not to have HOAs, right?
> You can very easily run to be part of your HOA leadership, and it is significantly easier to do than kicking an elected professional-politician out of office.
In my so many decades of existence, I've yet had a reason to want to kick my mayor out of office. And none of the cities I've lived in have passed laws related to what I can do with my house that were particularly problematic.
But HOAs? The majority have clauses I dislike.
Comment by r3trohack3r 3 days ago
At least for the HOA I was a part of, the CC&Rs were nearly impossible to change. Getting elected didn’t give you the power to change them. They were a contract signed with each individual homeowner - changing them required getting consent from every homeowner individually.
Being on the board gave you power over how budget was allocated within those CC&Rs. I.E. the maintenance and upgrade of shared spaces. Vendor selection for violation detection/enforcement. Etc.
Comment by driverdan 3 days ago
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Comment by pdonis 3 days ago
The one advantage of higher levels of government over HOAs is that they are generally impersonal. The faceless bureacrats that are processing your forms generally don't have any personal animus against you. They don't have to live next door to you and they don't have to care what your personal oddities are. They're just executing a bureaucratic process. Whereas with an HOA, every little petty personal grievance gets magnified, and so-called "governance" turns into endless feuding.
Comment by CGMthrowaway 3 days ago
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Comment by CGMthrowaway 3 days ago
> "I think by far the most important bill in our whole code is that for the diffusion of knowledge among the people...whenever the people are well-informed, they can be trusted with their own government"
> "The most effectual means of preventing tyranny would be to illuminate, as far as practicable, the minds of the people at large"
Comment by pdonis 3 days ago
No, he wouldn't, because he used "self-governance" to mean the thing that contradicts what it says on its face.
> It's not an oxymoron - it just comes with caveats.
The kind of "democratic" governance we actually have certainly comes with caveats, yes--caveats that have basically never been really dealt with. Jefferson's ideal of a "well-informed people" has never been achieved.
Jefferson did claim to believe that the US Federal government should be as minimal as possible--until he became President and found that it's actually kind of nice to be able to use that power to do things you feel like doing, whether they actually meet that minimal government ideal or not.
But in any case, none of that justifies describing the governance we actually have as "self-governance".
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Comment by muvlon 3 days ago
I think I still prefer that to HOAs, because - The city is pretty good at taking care of public facilities - I only pay city tax, not city tax and HOA fees - The city has better things to do than walk around neighborhoods looking for violations, so enforcement is pretty lax - The city government is subject to checks and balances
Comment by wat10000 3 days ago
If you don’t need an HOA (because there are actually shared common elements that need to be maintained) then why would you want one? And if you do need one, why would you want it to do anything beyond what’s required to maintain the shared bits?
Comment by ImPostingOnHN 3 days ago
This is a false dichotomy: if you live under the rule of an HOA, you still have to follow municipal ordinances and city laws in addition to HOA regulations.
Comment by lo_zamoyski 3 days ago
People should instead think in terms of ends. Human beings are social animals. We have obligations toward others (here, the community). That includes obligations that concern the environment that the community occupies. So the fruitful focus of energy and debate should be what this means for the community (what are these obligations, and why) and if and how to regulate them.
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Overall, with America being a capitalist country (and Florida state being the best example of it), they want people to keep spending their money on something, and would never allow someone to just 'settle' and live a life without spending money. HOA, among other things property taxes and other city imposed taxes you are never "resting in peace" after retirement, but wait for your next notice to come - either from City or HOA.
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The level to which German society proscribes behavior top down with the law simply wouldn’t be tolerated across the spectrum for the simple reason no one would agree what the rules should be, even if they share the European idea that everyone else should follow the rules they personally support.
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Comment by carsoon 3 days ago
Would be better to say "I can run a research agent session and it can pull 5 data trends and papers that show the HOA are making things better" (I dont know if this is true and I did not do it)
I don't really think HOAs are the biggest driver of home prices/availbility one way or the other though.
Comment by watty 3 days ago
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Comment by foltik 3 days ago
80% incoherent narration of random numbers, all down to the 1’s place so it looks super duper precise and impressive if you squint and don’t think too hard, like the “author” seems to have done.
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Comment by sgarland 3 days ago
Then I moved to one in North Carolina that was god-awful. Dues started at $65/month and went up every year. They’d send out neighborhood reminders that a pressure-washing service would be in the neighborhood next week if anyone wanted to hire them; anyone who didn’t got notices a few weeks later that they needed to pressure-wash their driveway and/or house. I also had to buy a specific brand and sheen of paint to repaint my mailbox; of course, the lettering was only available from a single supplier.
I now live on an acre lot that sits between two neighborhoods. I have no HOA, and it is glorious.
Comment by monksy 3 days ago
There really needs to be a way to harm organizations that do this. The HOA system is setup where the organization is protected and given the ability to make these kinds of rules. The only real option you have in that is you have to pawn the property off to some poor sucker that will also run into this issue later.
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Comment by CGMthrowaway 3 days ago
You can say the exact same about the government. To be clear, are you in favor of more liberty for homeowners, or are you in favor of the government stepping in to regulate HOAs?
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Comment by ikmckenz 3 days ago
Are you arguing a meta point that there is no such thing as truth because LLMs can make you any counter argument to you want? That seems bleak. Argue against the actual points of the article.
Comment by mym1990 3 days ago
We're just talking about one article here, but its an ocean of garbage being generated out there, yeah...go argue against all those and you'll waste your whole life.
Comment by plasticeagle 3 days ago
"A foreclosure suit is not a lost home — most end when the owner, or the owner's lender, pays — but the pressure is the point."
Which makes no sense whatsoever. I thought they were making a housing crisis worse by forcing foreclosures, but now apparently "the pressure is the point." The point of what, exactly?
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What's wrong with lavender? Why does everything have to be a boring tan or grey? You sound like the exact reason I would never buy a house with an HOA.
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They are not truth or judgment machines.
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Comment by BoggleOhYeah 3 days ago
I guess you could be in a LLM, in which case you'd have to wait for retraining.
Comment by cyanydeez 3 days ago
Comment by mogwire 3 days ago
The constant history lesson of what something was 80-90 years ago but they aren’t that way anymore but they were doesn’t advance the conversation especially when it has no impact on the actual topic.
Comment by mullingitover 3 days ago
> 80-90 years ago
Today's HOAs are very frequently involved in racial discrimination suits for violations of the Fair Housing Act.
Comment by throwawayfifo 3 days ago
No they're not.
Comment by mullingitover 3 days ago
[1] https://www.hud.gov/sites/dfiles/FHEO/documents/FHEO%20Annua...
Comment by throwawayfifo 3 days ago
Ah, so it's a delusional belief not based on facts or reality.
>that's just a fact reported by HUD
Categorically false claim not made in your source. The linked article makes zero claims about HOAs being "very frequently involved in racial discrimination suits for violations of the Fair Housing Act."
Comment by howunfortunate 3 days ago
Comment by cyanydeez 3 days ago
Comment by haunter 3 days ago
How do HOAs enforce racial segregation in monoethnic countries?
"HOAs are most frequently found in the United States, Japan, Canada, Australia, and the Philippines, and to some extent in other countries, such as New Zealand, Israel, Mauritius, South Africa, most of the countries of the European Union, such as Denmark, France, Germany, Spain, the Netherlands, Ireland, Austria, Poland, Hungary, Bulgaria, Greece, Sweden, Belgium, Croatia, the Czech Republic, Latvia, Lithuania, Cyprus, Luxembourg, Estonia, Slovakia and Slovenia, and some of the Latin American countries, such as Chile, Argentina, Brazil and Mexico."
Comment by otterley 3 days ago
Comment by throwawayfifo 3 days ago
Thats no longer the reason they still persist. But their creation was nothing but.
Comment by groos 3 days ago
Comment by pdonis 3 days ago
This sounds good, but I don't think it generally works. The problem is that the petty minded people are also the ones who don't have anything else to do with their time, so they can expend all their effort on being petty. Whereas the normal people have other things to do with their lives, and simply don't have the time to deal with all the pettiness, and if they end up on the board, they now don't have a choice: their lives are basically hostage to the petty people who keep taking up their time with bogus issues that can't just be ignored because the structure of the HOA requires some kind of response.
Comment by mike_bob 3 days ago
Comment by roosterIllusi0n 3 days ago
Comment by andix 3 days ago
Comment by bluGill 3 days ago
If you want to live in an apartment, but - get the tax and investment advantages of owning then you need to do it via buying into a corporation of some sort. So they must exist.
If you are not paying on upkeep of your house they have to do something and that is going to be expensive, they have a right to get that money from whoever didn't pay not spread it out to the other owners.
While it isn't called foreclosure if you don't pay your property taxes your house will be foreclosed on. That an HOA can is just another entity.
There are a lot of people who live in Florida so I'd expect them to have a lot of HOAs. The only surprise is California doesn't beat Florida in this list, but that could well be a case of California has stupid laws and so you can't get the good parts of an HOA.
These is a lot to hate about HOAs. However the idea is sound and they can do good things. We need to stop the bad things that they do, but nothing that in the article points to anything bad.
Comment by xivzgrev 3 days ago
The only way you get in that situation is by not paying your dues. Some HOAs may be more or less aggressive in handling it. But when you can't pay your dues, the other homeowners have to pay for your share
Dues are just a mandatory part of being in HOA that reflect the costs of the community
Comment by pdonis 3 days ago
No, it isn't. You can also get in that situation by having the HOA cite you for a violation of its rules and regulations and you not fixing the violation.
An HOA acting in good faith will not do this unless it's actually necessary. But an HOA run by busybodies can cite you for things that aren't actually violations (and often what is or is not a violation can be subjective, because the language in the rules and regulations is often vague or ambiguous), but which you still have to take the time and energy to respond to--or else they can say you didn't fix the violation and put a lien on your house.
And if you do respond, now you're embroiled in an argument about whether what they cited you for actually is a violation or isn't, and you're arguing with bad faith actors who are not going to be reasonable. And who might put a lien on your house anyway--even though they're actually not supposed to do that if you're following the process established by the HOA (and often by state law) for disputes--and now you're faced with having to hire a lawyer and convince a judge that the lien should be dismissed.
Comment by wat10000 3 days ago
Comment by teeray 3 days ago
Oh, but if you want to do anything, you still need to pay those permit and inspection fees! No, we won’t help you find a paver at a reasonable rate even though putting those contracts out to bid is what we do all day long.
What is really bullshit is that HOAs aren’t granted a property tax abatement for absorbing many municipal functions.
Comment by amanaplanacanal 3 days ago
Comment by bryanlarsen 3 days ago
Comment by pdonis 3 days ago
Roads and sewer are two things I've never seen an HOA have jurisdiction over; in every HOA community I've lived in, the municipality still owned the roads and the water and sewer infrastructure. The HOA was only responsible for things like mowing the grass in common areas and maintaining play equipment there.
Comment by teeray 3 days ago
Comment by pdonis 3 days ago
Comment by wat10000 3 days ago
Comment by xnx 3 days ago
Comment by plasticeagle 3 days ago
Maybe HOA's are bad, maybe they're good, but the intellectual laziness required to shit this kind of garbage out onto the internet in place of genuine thought and analysis will fuckin kill us all.
Comment by gavinsyancey 3 days ago
Comment by tptacek 3 days ago
Comment by arjie 3 days ago
Comment by tptacek 3 days ago
Comment by arjie 3 days ago
Comment by tptacek 3 days ago
At this point, I've done enough policy work with AIs that my concern about hallucinated statistics is... reduced? I don't know what the right word is. I know what kinds of extended setups will get them to say crazy things and I know what kinds of narrow questions will generate genuinely reasonable and interesting answers. Meanwhile, I also know that every policy position paper ever written by a human has abused statistics in one way or another. So: six of one.
Comment by arjie 3 days ago
It would seem to me that the addition of the LLM to the mix is likely to result in output that is more likely to be aligned to the human writing it and less likely to be aligned with me, as the reader, conditional on the human being the kind who abuses statistics one way or another.
But everyone's epistemics are different. Reality will tell us over time where we land with our methods.
Comment by lucumo 3 days ago
1. Unverifiable source ("a meta-analysis", trying to get authority without actually having it.
2. Hyper-specific numbers without error bars (and source), pretending to have certainty and precision.
3. Shockingly large number, intended to get an emotional reaction and a sense that it rounds to "all".
4. Numbers align too neatly with the point being made. They could still be true, but there could also be some overinterpreting, stretching of the truth or just plain lying going on.
Beautiful demonstration that numbers intended to convince are never to be trusted outright. No notes.
As an aside, the whole freak-out about LLM hallucinations has mostly shown me that way too many people accept human numbers way too easily. People are frequently as dumb or even dumber than LLMs.
Comment by themanmaran 3 days ago
Comment by marzetti 3 days ago
Comment by khazhoux 3 days ago
Comment by PLenz 3 days ago
Comment by cucumber3732842 3 days ago
The near universal proliferation of owner's associations and management groups and whatnot for developments larger than ~1ac (the EPA threshold, some states/towns have lower) is something you can lay at the feet of the Clean Water Act and it's implementation and precedents over the following decades.
Developers don't do anything that costs money, like set up an HOA, without a reason. The developers create the HOA because you need your >1ac residential development to pass stormwater permitting. While you theoretically could make each individual .25ac parcel you're putting a house on compliant as a standalone it's infinitely cheaper to just ignore all that, grade everything toward the road, dig a ditch, send the contents of the ditch through your stormwater treatment features, build in a little margin to those items, show the permitting authority the numbers that prove it passes with flying colors and when some jerk says "but what if X Y Z changes" you point to the excess you built in and tell them to GFY.
Now, where it really gets evil is when you start really pinching pennies or where the rules change over the course of the process making your numbers not work. Say you've got a lot of grade, a lot of rainfall, a lot of stormwater you gotta "treat". Well, you start adding rules to the HOA. Require certain parts of the lots remains grass or planter or whatever. Disallow patios, but do allow wood decks because the municipality considers those pervious, etc, etc. Or maybe the results you've got are marginal but you throw the bureaucrats a bone by saying you'll disallow car-ports and sheds in the HOA rules to prevent people from adding impervious surface. Or maybe you're uphill of some wetlands but not close enough to be regulated by default you promise to disallow working on cars and require people pick up their pet waste and not use lawn fertilizer or some other laundry list of certain things in order to make the local town's wetlands people comfortable not raising objection and claiming jurisdiction.
And of course, however these rules and plans shake out, the HOA is responsible for enforcing whatever those rules and requirements are in perpetuity so it's not like a pissed off majority can show up to vote "ok, this has gone too far, pack it in boys"
But nobody wants to talk about any of that because it's uncomfortable.
Comment by napierzaza 3 days ago
Comment by djdjdjfjfj 3 days ago
Comment by nradov 3 days ago
Comment by levocardia 3 days ago
Comment by monksy 3 days ago
Comment by nkrisc 3 days ago
If you live in close proximity to other people, you should not be allowed to do whatever you want on your private property.
Pretty much every municipality already has laws that limit you in that manner.
Comment by chasd00 3 days ago
Comment by nradov 3 days ago
Comment by caymanjim 3 days ago
Comment by tayo42 3 days ago
Comment by saghm 3 days ago
Funnily enough, there does seem to be a sort of wannabe HOA in my neighborhood that is always dropping things off in our mailbox asking for donations and telling us about events. I never give them any money, and never go to their events though, so either they don't provide any value or the value they provide apparently is not derived from them having any enforcement power.
Comment by StilesCrisis 3 days ago
If you have horrible neighbors you will wish you had one.
Comment by pretzellogician 3 days ago
Comment by saghm 3 days ago
Comment by rc5150 3 days ago
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Comment by saghm 3 days ago
Comment by ghaff 3 days ago
Comment by monksy 3 days ago
> They foreclose on their own members, over debts that start small
There are members who refuse to pay special assessments or fees for the community. Given that's Flordia, theres an above average population that would believe "they aren't required to" even though they accepted it when starting. (yes there are abusive HOAs and there are non-sense fines.. and sometimes those nonsense fines come from people neglecting the property in a very bad situation)
It's your job to handle it when it's a small situation. Moving to the stage of liens takes more time to do that and then resolving that usually happens on sale or refinancing.
Comment by mrj 3 days ago
This site seems to provide some data that's compelling. I see some gaps in California and a couple of liens that mention FL in Los Angeles. Maybe it's a starting point if moving though. This kind of transparency is a good thing. Some HOAs are abusive.
Comment by mschuster91 3 days ago
No surprise, it reeks of being written by an LLM.
Comment by monksy 3 days ago