Real Estate by Debbie Reynolds: Why I Believe an HOA Protects Your Property

Why I Believe an HOA Protects Your Property

Why You Need an HOA 

Buyers moving to Clarksville TN usually ask to stay away from HOA neighborhoods. They also want to know which neighborhoods have them and say they don't want anyone telling them how they can use their properties.  

HOA neighborhood

I find that buyers are not well informed about HOAs.  A Homeowners Association can be a very good thing to have and actually can protect property values and help you enjoy your neighborhood more. I don't find it as something to be afraid of. Those buyers that have strong resistance to them could have had a bad neighborhood situation with an HOA or heard a story from a friend. From my point of view, I want the protections that an HOA can give. In fact many home buyers share that feeling and only want to buy in an HOA neighborhood. 

Your home is the biggest financial investment you will make. Not all your neighbors will take the same pride you have in maintaining their homes. Some will think that their grass will need cutting only when it is shin high. Others may think it is okay to work on the engines of their inoperable vehicles in the front yard and leave these vehicles parked there for weeks at a time. None of these things are acceptable to me. 

An HOA has rules that protect all homeowners and are there to prevent unsightly occurrences from happening or at least from staying around. Many neighborhoods also have Architectural Review committees to assess proposed added improvements before they go in. This process is to safeguard the homes and make sure something weird and unsightly is not added. It helps keep the neighborhood looking attractive.

An additional benefit of HOAs is that there is economy of scale in negotiating neighborhood trash pick up, cable TV, lawn services or Internet services. When it is included in the HOA, they negotiate the contracts and price shop for the benefit of all the homeowners. This can save the homeowners money.

A negative could be that some HOAs are too restrictive and do intrude on the quiet enjoyment of the residents. The HOA is not be be a 24 hour a day police force and should let people not feel oppressed. But when the property values and homeowner rights are being violated by a particular homeowner or two, it is nice to have an enforcement body to send the letter or make the call to get it corrected so you don't have to get in conflict with your neighbor.

A well run HOA will keep fees in check as best they can. The members of the neighborhood do have a say and should voice their opinions to the Board about financial issues. The Board of Directors is an elected body and interested property owners can run for office. There are annual meetings and some neighborhoods have informational meetings and newsletters throughout the year. You should stay in the know.

A budget is set each year and the cost of maintaining the neighborhood amenities is spread over the number of property owners in the subdivision. These can be common areas, driveways, parking lots, lawns, parks, swimming pools, clubhouses, entrances, recreational areas and in a condo complex the outside of the buildings may be the responsibility of the HOA. A monthly, quarterly or annual maintenance fee is required from the homeowners. On condos and cooperatives there may be reserve accounts established to collect money according the Master Deed for replacement costs and capital improvements. 

Always ask to see the By Laws and a copy of the Budget before purchasing your home. Know what the rules are and what the fees will be. Some areas could have limitations on pets or ban renting your home.

A well-run HOA can protect property value and make it easier to sell when the time come because your neighbor's house will not be an eyesore. 

Why I Believe an HOA Protects Your Property

When you are ready to buy in Clarksville TN contact Debbie Reynolds, The Real Debbie Reynolds at 931-320-6730.


 Centruy 21 Platinum Properties2130 Wilma Rudolph Blvd.

Clarksville, TN 37040

When you need Real Estate services in Clarksville TN

                  it would be my pleasure to assist you!                             

Debbie Reynolds
"The Real Debbie Reynolds"

Check out all Clarksville TN Real Estate on My Website

931-771-9070 Office | 931-320-6730 Cell

Clarksville TN Homes 


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Comment balloon 12 commentsDebbie Reynolds • May 31 2018 01:37AM


Good morning Debbie. HOA's properly run are a benefit not a hindrance. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 12 months ago

Debbie Reynolds 

Good morning. This is a great blog post! I find that people who move out of neighbohoods that don't have an HOA tell me, the biggest regret they have about moving is the fact that they didn't buy in a neighborhood with an HOA to begin with. 

Your blog post illustrates how valuable an HOA can be into the future!

Posted by Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives (DFW FINE PROPERTIES) 12 months ago

I find myself having to educate people about the benefits of an HOA as well, but some people would rather live next to a junkyard and have their home values decrease than have someone tell them what they can or cannot do with their property, haha.

Posted by Brian England, MBA, GRI, REALTOR® Real Estate in East Valley AZ (Arizona Focus Realty) 12 months ago

Great advice to share with all buyers looking in towns where there are lots of HOAs 

Posted by Lise Howe, Assoc. Broker and Attorney Licensed in DC, MD, VA, (Keller Williams Capital Properties) 12 months ago

This is very good reading for prospective home buyers.

They will be in very good hands when they use your professional real estate services.

Posted by Roy Kelley (Realty Group Referrals) 12 months ago

I see both sides of that coin.  My personal experience has been okay, but I  have seen HOAs with what I consider serious over reach.  So going in I believe it's very important to KNOW all the rules, be okay with all the rules and to understand what it takes to change the rules or if new rules can be placed on you without your vote or consent.  We're considering a purchase in a HOA area and I have an attorney looking over the rules before I make my offer.

Posted by Tammy Lankford,, Broker GA Lake Sinclair/Eatonton/Milledgeville (Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668) 12 months ago

HOAs can definitely be helpful. the CCRs are essential, and recent newsletters and minutes of meetings also give a great "feel" for the HOA and how concerns are handled.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) 12 months ago

Hi Debbie... I've always lived in HOA homes (coops and single family). It would never occur to me to live in a home that is not part of an HOA, as I believe they do keep the value of our properties up.

Posted by Nina Hollander, Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor (Coldwell Banker Residential Brokerage ) 12 months ago

Definitely, the homes in Sacramento that are part of an HOA seem to maintain value better, sell for more and are almrost always a lot more attractive than their non-HOA counterparts.

Much as I complain about my HOA in Hawaii, they do keep the noise level down. It's very quiet where I am at right now, well, except for ME. I am the troublemaker, always talking on my cellphone.

Posted by Elizabeth Weintraub Sacramento Realtor Top 1%, Put 40 years of experience to work for you (RE/MAX Gold) 12 months ago


"A well-run HOA can protect property value...

but some HOAs are too restrictive and do intrude on the quiet enjoyment of the residents."

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) 12 months ago

HOA's get a bad rap...wometimes deserved for having "too many rules" and as often for not enforcing the ones they have...the tide has turned with some buyers requesting areas with them rather than without.

Posted by Sally K. & David L. Hanson, WI Realtors - Luxury - Divorce (EXP Realty 414-525-0563) 9 months ago

Good morning, Debbie Reynolds HOA's are just beginning to exist in my area.... and I think they're a good addition to subdivisions....eventually, all new subdivisions will have them...

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) 9 months ago