What To Know About Home Owners Associations

Home Owner Associations – Friends Or Foes

FAQ’s And Answers About HOA’s

HOA FrequentQuestions

Looking for a home in Tucson? If you are, you may have read the term “Home Owners Association”. Or, HOA.

If you are not familiar with HOAs, this article is for you.

First, HOA’s add to the cost to owning a home. From around $20/month to over $500/month based on the community and its amenities. But they help ensure property values by “managing” what homeowners can and can’t do.

Want to know more about the good, the bad and the ugly of HOA’s?

Frequently Asked Questions we hear from out clients.

  • What is an HOA?

    An HOA is a mandatory association made up of the homeowners in a neighborhood. If you buy into a neighborhood with an HOA, you become a member of the HOA.

    It is not an option. And by being a member you agree to live by a set of rules called the covenants, conditions and restrictions, or CC&Rs.

    These documents are unique to each HOA. They will include landscaping and maintenance requirements for the outside of a home.

    This will include paint colors, types of plants and limitations on street parking.
    HOAs also come with mandatory dues.

    And if you don’t pay them, the HOA can start a foreclosure action on your home (more on that later).

  • What powers do HOAs have?

    HOAs usually have control over everything on the outside of a home. But specifics can vary.

    The CC&Rs – Covenents, Conditions and Restrictions – contain the rules. CC&R’s will be different for Condominiums, Townhouses and single family homes.

    Condominium HOAs

    A condominium is like an apartment you own. You own the interior of your property, but the HOA owns the exterior and all common areas.

    Condo HOAs tend to have the most restrictive rules. They will cover everything from where you park to what color your window treatments can be. Even the holiday decorations you can display in your front windows or entryways.

    The HOA will also manage the amenities. Including fitness centers, swimming pools, parking garages and storage units.

    Townhouse HOAs

    A townhouse is a home with one (or more) shared walls with another townhouse. They’re found in urban areas where land is scarce and housing prices are high.

    Townhouse HOAs provide similar features and amenities that condo HOAs does. But they’re not as restrictive. Because you also own the exterior of your townhouse, you have a little more control over what you can do with it.

    There may be rules on landscaping and the color your mailbox can be.

    But you can usually put up Christmas lights without having to fill out two or three forms. And the HOA will manage all the community amenities.

    Single-Family Home HOAs

    In Tucson, HOAs set the do’s and don’ts of living in the community

    Single-family home subdivisions may also have an HOA. Especially if they are part of master planned communities.

    Active adult and gated communities are almost certain to have an HOA.

    And if you are buying a home in a “luxury home” subdivision, you will have an HOA.

  • What can an HOA charge?

    HOA dues go toward maintenance of common areas, amenities and management. Dues payments can be monthly, quarterly or semi- annual.

    In tucson, these costs can range from $20 to $500. And the board can vote to raise them each year to account for rising costs. 

    If there’s an emergency the board can ask the homeowners to approve a special assessment. This will be on top of the dues.

    And if you don’t pay your assessments on time, the HOA can charge late fees, which get rolled into your total balance.

  • What happens if I don’t pay my HOA fees?

    Not paying HOA dues and assessments in not an option. If you don’t pay the regular or special assessments, the HOA can take drastic steps to recoup its money.

    An HOA can take the individual to court and get a judgment for the money owed. Then, they can us a variety of tactics including garnishing wages to retrieve the money.

    If the amount owed is more than $1,200, or not made any payments in more than 12 months – foreclosure. Yes, the association can seek foreclosure and sell the home at auction.

    It doesn’t happen often, but it has happened.

  • Why are there so many HOAs?

    If you have been looking for a home in Tucson, you will see most subdivision have an HOA. Not all, but a lot.

    Why? Because HOAs save cities money.

    Subdivisions are more than houses. They also have street lights, paved streets, retention basins and sometimes parks. Those things cost money that cities don’t have — or don’t want to use.

    So municipalities encourage residential developers to take on those costs. To offset their investment, developers create an association. An HOA.

    After all the construction, the homeowners take responsibility for future maintenance. They pay dues to the HOA that pay operating costs and fund reserves.

Considering A Home In Tucson, AZ?

Are you thinking of buying a home in the greater Tucson area? Finding the right home can be a challenging process. But we can make the process much less stressful for you.

We have been Tucson Realtors since 2002. We know Tucson and the Tucson Real Estate market. As a top Realtor duo, we invest the time to understand your home buying interests and desires. At our first meeting, we will review the current real estate market with you. Then we will walk you through the Arizona home buying process.

Why? We want you to know what to expect. And what to plan for.

Interested in new construction? We’ll brief you on buying a new construction home. And what’s unique about the process.

For us, you are not another real estate transaction. You are a client and, future friend. We strive to create a relationship that continues long after you move into your home. Review our profiles. Check out our backgrounds, education, and certifications.

We are here to help you “know what you need to know” to buy a home in Tucson, AZ. We provide you information on Tucson events, places to shop and restaurants. Our resources include contractors, electricians, and home services. Our professional service backgrounds mean we put you first!

Thinking About Selling Your Home In The Greater Tucson Area?

Selling a home requires more than listing it in the Tucson MLS system. It’s about marketing. Marketing through multiple online channels.

To no one’s surprise, 80% of home buyers start their search on the internet. Homes must be visible on multiple internet channels. The more visible a home is, the faster it will sell.

And the photos on the mls make a difference. You can spend lots of money on home staging, but if the photos aren’t great it doesn’t matter. Staging and stunning photos make it all come together.

We use multiple online marketing channels to showcase your home. We will build a stand-alone website built to show your home. Our marketing program targets key cities in the U. S. based on the season.

For luxury listings, our drone service provides video of your home and neighborhood. This video along with professional photos helps the online buyer see and feel your home. Their “new” home.

To learn more about how we can help you sell your Tucson home, call us – 520-940-4541 – to arrange a meeting. We will visit your home and prepare a comparative market analysis.

Then we will meet with you to review our analysis. We will go over our Comparative Market Analysis for your home in detail. And the review our marketing program to “get your home sold!”


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Our website provides information on communities and neighborhoods in the greater Tucson area. Want more? Give us a call – 520-940-4541. We are ready to answer your questions and help you get the information you are looking for.

We are a top Realtor duo in Tucson, AZ since 2002. Read our client testimonials. Give us a call. We look forward to making your home buying or selling a home an enjoyable experience for YOU!

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