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Posted By TammyL3 on 01/20/2024 7:16 PM
I have read the replies and to be honest, I have a LOT of reading to do. This is the first time I have had to deal with an HOA. I'm still learning the terminology. As for the 1/3 of the houses that are not part of the HOA, that is, in fact, the case. The Board said that those folks don't pay dues, therefore, they aren't part of the HOA even though they are in the same community/subdivision. They said they can't enforce any rules on those homes. I went to a meeting in November. It was the first meeting that was held since I moved here in February. They have since not sent out minutes, nor have they posted them anywhere for anyone that couldn't make the meeting to read. I have requested a copy of them, so I am waiting to see if they comply with my request. The meeting was held on November 13th...the meeting agenda was just posted online on January 10th. I wish I could answer all of the questions that were asked of me on here, but I honestly don't know what a lot of it even means. I'm not ignoring any of your replies. I'm reading them all. I just have to figure out the differences between CC&Rs, Bylaws, and whatever other terms are used. It's all so frustrating and I hate that I feel like I can't enjoy my new home. They make me regret ever buying this house. I'm not the only one that feels that way, either. I know several of my immediate neighbors are sick of it all.
b>Community Associations in a Nutshell
Many new owners are unprepared for the reality of living in an HOA. HOAs are nearly always organized as non-profit corporations that are governed by an elected board of directors. They're not democracies or social clubs. They're also regulated by state law as well as some federal laws such as the Fair Housing Act and the Telecommunications Act.
CC&Rs = Covenants, Conditions and Restrictions. These are the contractual terms attached to the deed of your home, and they tell you what you can and can't do with your property. A new HOA is formed when the CC&Rs are recorded with the county. These CC&Rs "run with the land", meaning that the same terms apply to future buyers of your home.
Bylaws describe how the HOA corporation is to operate. They generally talk about how many directors are on your board, how long their terms are, who the officers are, when meetings are held (both board meetings and annual meetings of the membership), what sorts of committees you may have, etc.
Generally all of these laws, covenants, rules, etc. are consistent. But if they're not on occasion, federal law supersedes state law which supersedes local municipality law which supersedes CC&Rs which supersede bylaws which supersede any other rules or guidelines enacted by the board. Whew...
A regular topic of discussion on this website is the incompetence of boards. As noted, many buyers have no idea what they're getting themselves into, and this is the uninformed pool from which board members are elected. There is a LOT to know and a lot of skills to be developed, since the board is governing a (usually) multi-million dollar corporation that's regulated by law. A few states require board members to participate in training sessions, and some HOA attorneys provide training to their clients. (We had one such law firm on retainer, and the free training and free 15-minute phone calls for general questions fully justified every penny of that fairly modest retainer.) Many of the regulars here have spent years either as board members or community managers, and we continue to learn new things through these discussions. In short, it's not surprising that many boards get things wrong. I'm often surprised that things work as well as they do, given how unprepared many board members are.
Many communities hire a manager to handle the day-to-day work of managing a community. Managers may handle the money, help prepare budgets, manage hired vendors such as lawn care companies, deal with questions from homeowners, and the like. The board oversees the manager's work since the board is the ultimate authority on what happens.
There are resources available on the web that can help new owners learn about HOAs, and I recommend using them. Don't feel bad that you feel like you're in over your head. The new home builder and realtor professions do a poor job of teaching their clients what they need to know about what is often the client's single largest purchase in their life.