Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Disillusioned with HOA and thinking of moving
Old 08-04-2022, 07:38 AM   #1
Thinks s/he gets paid by the post
folivier's Avatar
 
Join Date: Oct 2009
Posts: 1,259
Disillusioned with HOA and thinking of moving

We've had our house in a 55+ community for about 8 years now. We bought here thinking it would be a good place since we spend at least half of the year at our Colorado cabin.
Unfortunately the HOA has become a small dictatorship. The same people are the only ones who run for election every 2-3 years. The board creates conflict and is known for enforcing the rules impartially.
Neither one of us is interested in being on the board.
So we're thinking of selling and buying another house. Not interested in anywhere with another HOA.
What brought up our possibility of moving is my DW's aunt recently passed away just after her 100th birthday and we may buy her house. This is in my DW's small home town about 20 miles from where our house currently is. The house would need some repairs and updating but should be much less expensive than what we can sell our house for. DW has a sister 2 houses down who just moved back from VA and a cousin next door. Plus other close relatives nearby.
I don't really care where I live and this house would give me options for projects that I can't do now because of the HOA.
Any thoughts?
__________________
You do not have a soul. You are a soul. You have a body.
folivier is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 08-04-2022, 07:50 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 18,466
HOAs are a double edged sword, though IME the positives outweigh the negatives. Having rules enforced can be a (very) good thing, versus living next door to someone who paints their house purple, has 10 cars parked in their driveway/on the street, and neglects their landscaping and lawn because it would be too difficult to mow around all the junk left in the front yard. If you end up living near a "bad neighbor" you will wish there was an HOA, especially if you ever want to sell the property.

We're lucky to be in a neighborhood with a great HOA now, and the neighborhood is very well maintained as a result. Our last neighborhood HOA did some things that were a little suspect, but not horrible all in all. I went to an HOA meeting at the last neighborhood, and found the many residents who chose to attend were mostly loud and unreasonable - they all wanted lower dues and more benefits (of course each resident wanted different added benefits). I concluded you couldn't give me a position on an all volunteer HOA board...a thankless job from what I experienced.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 30% bond funds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 08-04-2022, 07:51 AM   #3
Moderator
Aerides's Avatar
 
Join Date: Nov 2015
Posts: 11,042
There are plusses and minuses to both.

You will have the "NO HOA EVER" crowd chime in, of course. Me, personally? I like my HOA to keep the neighborhood maintained, address behaviors that detract from home values, etc., and ours maintains the entrance road to the neighborhood, our park, and provides security.

I think if you live in an area where you can't hardly see the next house from your front window, then an HOA is less important. Or if you want to paint your house purple, and have cars propped up for months on end to work on in the driveway, then you definitely don't want an HOA.

But if you live in a typical subdivision with <30 feet between neighbors, want shared amenities, and someone taking care of the common areas, working with the city/county when needed...then you probably can benefit from an HOA.
Aerides is offline   Reply With Quote
Old 08-04-2022, 08:03 AM   #4
Thinks s/he gets paid by the post
 
Join Date: Jun 2017
Location: Western NC
Posts: 3,493
Yeah, here no HOA means junk cars parked in the yard (in the city!) & several months of uncontrolled landscape growth (are they selling hay?) before the city will even begin enforcement proceedings.
ncbill is offline   Reply With Quote
Old 08-04-2022, 08:03 AM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2016
Posts: 5,080
A neighborhood without an HOA means you can do anything…and so can your neighbor.

I have lived in both. I’ll take the HOA.
COcheesehead is offline   Reply With Quote
Old 08-04-2022, 08:24 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
target2019's Avatar
 
Join Date: Dec 2008
Location: Stuck in the mud somewhere in the NJ swamp
Posts: 8,267
Quote:
Originally Posted by folivier View Post
We've had our house in a 55+ community for about 8 years now. We bought here thinking it would be a good place since we spend at least half of the year at our Colorado cabin.
Unfortunately the HOA has become a small dictatorship. The same people are the only ones who run for election every 2-3 years. The board creates conflict and is known for enforcing the rules impartially.
Neither one of us is interested in being on the board.
So we're thinking of selling and buying another house. Not interested in anywhere with another HOA.
What brought up our possibility of moving is my DW's aunt recently passed away just after her 100th birthday and we may buy her house. This is in my DW's small home town about 20 miles from where our house currently is. The house would need some repairs and updating but should be much less expensive than what we can sell our house for. DW has a sister 2 houses down who just moved back from VA and a cousin next door. Plus other close relatives nearby.
I don't really care where I live and this house would give me options for projects that I can't do now because of the HOA.
Any thoughts?
We live in a single home, and each time we went and looked at newer construction, with HOA, there was no desire on our part.

I'm familiar with HOA's from family and friends. My brother sat on an HOA. It was a situation like you describe. He was able to get on the board and just run things in a logical way (was an accountant, and a people-person.

Our neighborhood of 600+ single homes has no cars on front lawn. The town itself has ordinances to prevent many un-savory things. When things do start to root, you may have to go to the town for enforcement.
target2019 is online now   Reply With Quote
Old 08-04-2022, 08:52 AM   #7
Thinks s/he gets paid by the post
 
Join Date: May 2019
Posts: 1,087
No HOA in my neighborhood, no cars in people's yards. Only complaints are noisy mowers and that some people have dogs that will bark occasionally. A "no dogs allowed" neighborhood would be nice.
GenXguy is offline   Reply With Quote
Old 08-04-2022, 08:57 AM   #8
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 11,817
Agree about the positives and negatives.

I can list a bunch but will just list a bit as I'm sure most already know.

Positive - no shoveling snow or mowing the grass by residents

Negative - less privacy, seems where I'm at place is always "doing something" that is a bit disruptive like shutting off the water to test, cleaning out the parking garage, fire drill testing, and yes the ticky tacky rules.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 08-04-2022, 09:00 AM   #9
Thinks s/he gets paid by the post
Qs Laptop's Avatar
 
Join Date: Mar 2018
Posts: 1,610
You've stated you will probably move and won't move to another place with an HOA. You have some home improvement ideas in mind that you can't implement at your current place with an HOA. You would make money on the move.

You have a place in mind. Sounds like your question is really--"Should I move into my wife's aunt's previous house considering there is a sister-in-law two doors down and a cousin next door?" It seems you are also concerned that you would be leaving a vibrant community of peers for a small town with limited activities.

Have I restated the question correctly?

If so, I can't answer it properly since I don't know the relationship you and your wife have with her sister. Or with the cousin or other relatives "near by." Personally, while I love my family, having them THAT close gives me pause. I'm guessing this is the heart of the issue.

Do you visit the sister and cousin much now? They are only 20 miles away. How about the other relatives that are "close by?"
__________________
"If James Bond was an Amish spy, he would drink buttermilk. Shaken, not churned."
Qs Laptop is online now   Reply With Quote
Old 08-04-2022, 09:05 AM   #10
Recycles dryer sheets
 
Join Date: Mar 2015
Location: Somewhereville
Posts: 384
I think it would depend on if you like how the neighborhood you would be moving to is. Is it well maintained or does it look like things are going downhill? When I Google map and do street view our first home that was in a non HOA area it looks like it has gone down hill. Way more cars parked on the street now. A lot of neighbors were converting their garages into rental units when we moved and it's only gotten worse.
We are currently in an HOA area now and prefer it to the old neighborhood.
If all the family members get along and would welcome you purchasing the house to be close by I would go for it. I miss being close to family like that. Biggest mistake we made I feel was moving away and missing family.
2HOTinPHX is offline   Reply With Quote
Old 08-04-2022, 10:24 AM   #11
Thinks s/he gets paid by the post
 
Join Date: Aug 2012
Posts: 1,422
Quote:
Originally Posted by COcheesehead View Post
A neighborhood without an HOA means you can do anything…and so can your neighbor.

I have lived in both. I’ll take the HOA.
Can't even paint the color of my house or trim what I want. Have no visible neighbors and 9 acres of forest separating the few neighbors we have. Most neighbors are second homes and rarely there. The rest is permanent conservation land. A real paradise. I'll not take the HOA. Then again I am in the Live free or die state.
finnski1 is offline   Reply With Quote
Old 08-04-2022, 10:25 AM   #12
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 18,466
Quote:
Originally Posted by GenXguy View Post
No HOA in my neighborhood, no cars in people's yards. Only complaints are noisy mowers and that some people have dogs that will bark occasionally. A "no dogs allowed" neighborhood would be nice.
Odds are that will be the case with or without an HOA. But it only takes one or two nearby homes to sell to a buyer who doesn't take care of the property and/or remodels with purple paint and pink shutters. That will NOT happen with an HOA...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 30% bond funds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 08-04-2022, 10:27 AM   #13
Thinks s/he gets paid by the post
Cobra9777's Avatar
 
Join Date: Jul 2012
Location: Texas
Posts: 2,552
I live in a non-HOA neighborhood. But the lots are huge, ranging from 2.0 to 3.5 acres. It's heavily treed so you generally can't even see your neighbors. Only our front-facing windows have blinds.

The houses are all 50 years old and quite large. It's a relatively expensive neighborhood in a small town. So we've never had issues with people not maintaining their front yards or keeping things orderly. No one parks in the street because it would be a 200 ft walk to your house.

I keep our 20 ft camper van parked in the driveway, which a lot of HOAs would not allow. Lots of people have trailers, boats, and RVs in their driveways. But the lots are so big, and the houses are so far back from the street, that no one cares.

Some people have funky metal sculptures in their front yard, which I think is really cool. Some people have chickens. The former owners of our house kept a horse in the backyard. We like the freedom of this individualistic style of neighborhood.

DW and I have talked about downsizing ever since I retired. But neither of us is comfortable going back to a traditional subdivision setting, with really close neighbors and overly-restrictive HOA rules. Our current thinking is to buy 2 or 3 acres in a nice rural setting and build a small, modern house that suits our needs better as we age.
__________________
Retired at 52 in July 2013. On to better things...
AA: 55% stock, 15% real estate, 27% bonds, 3% cash
WR: 2.7% SI: 2 pensions, some rental income, SS later
Cobra9777 is offline   Reply With Quote
Old 08-04-2022, 10:31 AM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
ls99's Avatar
 
Join Date: May 2008
Posts: 5,943
A friend lives in an HOA. Seems there is never a day when some issue is percolating, often more than one.
While the services are useful or necessary for those unwilling or unable to do them, snow etc.. I would not want my life disturbed by the never ending HOA issues. I see them as the daily drivel.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 08-04-2022, 10:34 AM   #15
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 8,244
I've been here 33 years in a "free" development and have had no problems. One guy in the "hood" painted his house blue with white trim, looked like a fish restaurant.

Didn't mind that either, I like fish restaurants -
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is offline   Reply With Quote
Old 08-04-2022, 10:39 AM   #16
Full time employment: Posting here.
SnowballCamper's Avatar
 
Join Date: Aug 2019
Posts: 542
I was in the no HOA ever crowd until I got the neighbors I have now. At first it wasn't bad, but the collecting of junk in the yard seems to slowly increase over the years. It is a trade off. If I had to do it over again I would just find a bigger lot or more rural location and skip the HOA. Closer in town or smaller lots in the neighborhood make the HOA more desirable for me. Of course the HOAs are all different.
__________________
--At what age does spending less now in order to have more later stop making sense?
SnowballCamper is offline   Reply With Quote
Old 08-04-2022, 10:55 AM   #17
Thinks s/he gets paid by the post
 
Join Date: Oct 2019
Posts: 2,600
My daughter and my s-i-l rented in a HOA neighbor hood. We are 40 miles away so every time we went to visit, there is an extra car in the driveway and every time we would get notice of a violation. They have a soccer field, the parking lot will hold about 40 cars. So, I parked there one night, nope not permissible. 40 empty parking spaces every night.
Time2 is online now   Reply With Quote
Old 08-04-2022, 11:00 AM   #18
Recycles dryer sheets
Trailwalker's Avatar
 
Join Date: Mar 2021
Posts: 191
Homeowners around me don't need an HOA or extra rules to display pride of ownership. Peer pressure and town ordinances seem to suffice.
Trailwalker is offline   Reply With Quote
Old 08-04-2022, 11:04 AM   #19
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Dec 2014
Location: Huntsville, AL/Helen, GA
Posts: 5,748
I didn't care for HOA's when living in one in Atlanta. They tended to get into "my business." Park a car on the street for overnight and they'd bug you.

But how well do you get along with all the wife's relatives? Living in such close proximity could be as much hassle as having a HOA--in a different way.

If they're one big happy family, go for it.
Bamaman is offline   Reply With Quote
Old 08-04-2022, 11:10 AM   #20
Thinks s/he gets paid by the post
 
Join Date: Apr 2015
Posts: 3,787
Does your list of "Pros" outweigh the "Cons" for selling and moving?
Do you like the idea of many projects at the Aunts house and does living near so many relatives sound good to you?

If you don't like the HOA, but also have no desire to run for a position on it to possibly change and make it better, then leaving is probably your best choice as far as not feeling you are living under "a dictatorship"

Best of Luck in your decision making.
__________________
Give a Man a fish, he will eat for a day.
Teach a Man to fish, he will eat for a lifetime.
pacergal is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 8 (0 members and 8 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Contract and Payment for Work Requiring Prior HOA Approval NateW Other topics 20 09-15-2020 08:47 AM
Condo HOA problem and what to do MichaelL Life after FIRE 92 02-25-2019 04:31 PM
I am a disillusioned artist and radical minimalist gradually getting out. Exilarch Hi, I am... 3 08-27-2016 06:19 PM
Deduct HOA fees and assessments from capital gains? O2Bfree FIRE and Money 9 05-07-2016 09:16 AM
Question for HOA Officers and others Sundance Kid Other topics 12 09-28-2006 10:51 AM

» Quick Links

 
All times are GMT -6. The time now is 06:49 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.