If you're thinking about buying a Cincinnati home, one of the decisions you have to make is whether you're okay with living in a community governed by an HOA (Homeowners Association).
Depending on your housing choice, the decision is made for you. Want a condo? HOA. Patio home? HOA.
But "regular" homes? They come both with and without rulebooks.
Older communities in our market are less likely to have an HOA.
Newer communities, especially those still being built by major builders will almost always have an HOA.
The main purpose of an HOA?
To provide guidelines for how residents can and can't use their property.
They'll dictate lots of details, with some communities being a little lighter on requirements than others.
Fences? Yes or no, where they can go and what type.
Other outbuildings? Asked and answered.
The color of your front door and shutters.
Max height for your grass.
Can you leave your garage door open?
Park an RV in front of the house?
How about that boat?
Use rules for the community pool.
Can you run a business out of your home?
How many dogs can you have?
And the list goes on, and on.
The good news is as part of the purchase contract the seller is obligated to provide you a copy of the rules and regs, and you'll have a few days to decide if you can live with those rules or not.
In a perfect world, those rules and regs maintain order and protect your property value since no one can do anything too far outside the norm without being cited by the HOA.
In a not perfect world? The HOA doesn't enforce any of the rules, or is biased in the enforcement of the rules. Worst case that can lead to quite the legal fight.
Now if your preference is to not live in an HOA community, you're relying on the common sense of your neighbors AND that local city/township ordinances are sufficient to maintain a normal order to the area.
So what's it going to be, HOA or no HOA?
Want to discuss further? Just give Bill a call at 513-520-5305 or email/text Liz@LizSpear.com.
Serving Greater Cincinnati home buyers and sellers,
Bill and Liz aka BLiz
Serving Warren County Ohio & Adjacent Areas
The Liz Spear Team of RE/MAX Elite
Elizabeth Spear, ABR, CRS, Ohio License SAL.2002007747
William (Bill) Spear, CRS, Ohio License SAL.2004011109 Kentucky 77938
Ask for us by name if you visit the office!
Two locations: Lebanon & Mason, OH
Bill Direct: 513-520-5305
Liz Direct: 513-265-3004
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