Arizona HOA's What You Need to Know


Arizona HOA's What You Need to Know! Arizona HOA's can be a hot topic - and then some! Some folks love HOA's and other folks hate HOA's. Why is that? Well that's a deep subject of which I'll Arizona HOA's What You Need to Knowattempt to cover briefly in this short article. For more information I suggest you get a copy of Arizona HOAs And All That Jazz written by Burt and Susan Sweetow. The book is jammed packed with great ideas and hundreds of resources for every home owner, home buyer, HOA board members, Property Management Professionals and Real Estate Agents. This is a must have resource book for your library!  


HOA's got their start in the mid 20th century when increasing numbers of large scale residential developments required more and more resources from cities and towns. They had to figure out how large amounts of people could live in close proximity and still enjoy the right to own their own home without infringing on their neighbors or experiencing a loss of freedom or privacy. HOA's made it possible for members to enjoy common amenities at affordable prices without the hassle of individual home owners maintenance. And cities and towns loved the HOA idea because it brought in more taxes and left them with less responsibilities. HOA's basically brought continuity and order to communities, preserved the architectural integrity, and they maintain the common elements. HOA's associations promoted the concept of 'community' that protects the neighborhoods property values.   So how did the love/hate relationship begin with HOA's? There are many reasons for this love/hate perception but here are the most common things that I have heard from clients over my 30+ years as a real estate broker in Arizona.



  Arizona HOA's What You Need to Know

Arizona HOA's What You Need to Know


  • HOA's can and do keep our property values up by making sure all home owners abide by the rules and regulations.
  • HOA's can be very hard to deal with and in fact darn right nasty if not managed well.
  • HOA's do a great job of maintaining the grounds and common amenities which makes my lifestyle much easier.
  • HOA's can be very picky and at times send out nasty letters to take care of what is really only a few weeds in my yard.
  • HOA's board meetings can be a great place to meet neighbors and become part of the community.
  • HOA's board members can be darn right task masters and think they own the place.



Here are some of the critical questions about HOA's that would be wise to ask BEFORE you buy a home in an Arizona HOA Community!


  • Is the HOA professionally managed or is it run by a board consisting of home owners?
  • How much are the HOA monthly fees?
  • Are there other assessment fees on the books or fees that are being planned for the future?
  • What is the financial condition of the HOA? This is really important to know.
  • What are the CC&R's (Covenants, Conditions and Restrictions)? It is extremely critical that you read the CC&R's that your agent or title agent will provide for you once you're in escrow. You will want to know if you can have pets, park trucks, boats and many, many other questions or issues that might make a difference in your decision to buy into the community.


Ask HOA questions is BEFORE you begin your search for a home!



  Arizona HOA's What You Need to Know

Arizona HOA's What You Need to Know



  Personally I wish our home was located in an HOA development! In my area all of our neighbors take great pride in their home and yards EXCEPT for 'that one' neighbor that could care less about fixing up their home and could care less what the neighbors say or do. Their yard is really no yard, the landscaping couldn't be any worse, including dead trees plus they painted a portion of their home 5 different colors 5 years ago and still haven't chosen a color to paint the home. There is not much any of us can do about this neighbor unless the city codes aren't being adhered to. Many of us would have liked to help out this family but they refuse any help. Sad but true.   Think about the HOA subject very carefully! And if you have any questions feel free to give us a call. We'd be happy to answer your questions.


Arizona HOA's What You Need to Know 


Originally Published at Phoenix Property Shoppe





Phoenix Property Shoppe



Anna "Banana" Kruchten
Designated Broker & Owner

Phoenix Homes For Sale


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Can't live with 'em, can't live without 'em kind of a thing for me.

I like that they keep the neighborhood looking nice and up to a certain standard, but geeze....I don't like being told what I can and can't do in my own yard. LOL

Posted by Sharon Tara, New Hampshire Home Stager (Sharon Tara Transformations) about 1 year ago

Anna this is a lot of info on HOA's

I have to agree with Sharon Tara!!!

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) about 1 year ago

Hi Anna Banana Kruchten CRS,CRBSharon Tara said it perfectly. I'll leave it at that.

Posted by Beth Atalay, Cam Realty of Clermont FL (Cam Realty and Property Management) about 1 year ago

I am not a fan of HOA's.  To often it is a power grab for a few people

Posted by William Feela, Realtor, Whispering Pines Realty 651-674-5999 No. (WHISPERING PINES REALTY) about 1 year ago

Anna Banana Kruchten CRS,CRB - What an excellent post with great information everyone should know about HOA's. I'm afraid many people have the wrong ideas about HOA's based upon their personal experiences or what they heard from other people. Clearly, not all HOA's are created equal. Your years of experience and the background you have on HOA's in your area is more than I believe most agents know. If I had someone moving to the area, I'd definitely refer them to you because I know you'd be completely honest.

Posted by Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives (DFW FINE PROPERTIES) about 1 year ago

HOA's can be tricky Anna Banana Kruchten CRS,CRB .  My HOA is professionally managed, but decisions are made by a board made up of elected homeowners.  Also it can be hard for the average Joe to know if a HOA is financially healthy.  Do your due dilligence if your a buyer!

Posted by Jim Cheney, Rincon Valley Realtor 707.494.1055 (Saint Francis Property Santa Rosa, CA) about 1 year ago

Thank you for a crash course in Arizona's homeowners associations. I wish we had a book like that in Washington Anna Banana Kruchten CRS,CRB 

Posted by Paul S. Henderson, REALTOR®, CRS, Tacoma Washington Agent/Broker & Market Authority! (RE/MAX Northwest.) about 1 year ago

Anna, I find HOA's serve a purpose and in our gated communities they actually help increasing values... I remember when a famous Los Angles Laker's Basketball player got in trouble for creating a front yard garden in the shape of Superman Logo....Endre

Posted by Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002 (Berkshire Hathaway HomeServices) about 1 year ago

If we ever move back into a neighborhood, we would want one, for the reasons you mention.  Although, you're right, they can be a big pain in the behind. We got involved with our HOA to bring some balance and sense to the very confused board at the time. It was worth our efforts. 

Posted by Debb Janes EcoBroker and Bernie Stea JD, REALTORS® in Clark County, WA (ViewHomes of Clark County - Nature As Neighbors) about 1 year ago

This sounds like great information for folks.  I like the concept of HOA's to maintain property values, I just get frustrated when folks who serve on the boards get power hungry and throw their weight around.  

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) about 1 year ago

That is a fantastic resource for buyers -and- sellers in your selling area Anna! A good HOA board can make a positive impact on the community and a bad one...well, let's just say, can wreak havoc.

Posted by Wanda Kubat-Nerdin - Wanda Can!, So Utah Residential, Referral & Relocation REALTOR (Prado Real Estate South) about 1 year ago

WOW! Not only a wonderful book review but, a great summary of why HOAs are a good thing!

I tell everyone that if the residents are not happy with their management company, by all means, fire them and hire someone you want to work with. An HOA can make or break a community...strike that - the management company can make or break a community! 

Posted by Debe Maxwell, CRS, Charlotte Homes for Sale - Charlotte Neighborhoods ( | The Maxwell House Group | RE/MAX Executive | (704) 491-3310) about 1 year ago

Good evening Anna Banana Kruchten CRS,CRB ,

I love your post and really feel this is a very worthy featured post! There are strong opinions on HOA's but e have a lot of them in the areas built form 1994 on. The builders needed to have an HOA and in most cases it worked out to be the best option.

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.750.6899) about 1 year ago

I have to read the book sooner than later and see if I can chime in a little bit more. Love and light!

Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) about 1 year ago

Grandfathered in stuff can be tricky, But I think the sentiment handles it well that Anna is talking about. Dorie Dillard

Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) about 1 year ago

Anna, I am glad you wrote about the Arizona HOA's and the book that is on the subject! A lot of HOAs and future owners will find it helpful.

Posted by Steffy Hristova, Tempe AZ Realtor - Your Home Close to Your Work! (HomeSmart Elite Group Tempe AZ Tel: 480-966-9353) about 1 year ago

Until this year I was always in favor of HOAs, and several of our homes have been in HOA communities. Right now we have a home in Del Mar that has a tree on the common area lifting up the driveway and roots headed toward the house. The tree huggers on the HOA board will not remove the tree. I think they are putting us and all the rest of the homeowners at risk for future damage. 

Posted by Matt Brady, Lending With Competence And Character (Skyline Home Loans) about 1 year ago

Thank-you, Anna for introducing the book.  HOAs are one of the first conversations I have with buyers, especially if they are moving from other areas.  You are so right, some are great, some are a pain you-know-where!  I also tell buyers to get involved with the HOA.  The HOA is meant to represent the community, and like a PTO, those impacted by the decisions need to get involved and get their voice heard!

Posted by Shirley Coomer, Realtor, Keller Williams Realty, Phoenix Az (Keller Williams Realty Sonoran Living) about 1 year ago

HOAs in Oklahoma City are as a rule simple and straightforward. However, we have learned a lot about complicated HOAs in Florida. But even when they are simple some people just don't like them.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) about 1 year ago

It says a lot when a book has to be written to cover a HOA. Thanks for sharing!

Posted by Corey Martin, Real Estate and Management Solutions (Martin Presence Group) about 1 year ago

HOAs are a good thing and I know about all of the ones in my area. It's a good thing since I get calls or emails every week asking questions.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) about 1 year ago

I grew up in Maryland and we loved out HOA's. The joke was "you don't want to have to look at a car up on cinder blocks or an old washing machine in your neighbors yard."

It was only when I moved to AZ that I heard that people did not want to live in a community with an HOA. I never fear people abusing their power because you almost always have legal recourse (some may disagree, but a good lawyer can often silence the biggest buffoons or make problems go away).

Posted by Anthony Kirlew, Helping You Make Fiscally Sound Choices (Keller Williams Realty East Valley) about 1 year ago

Anna, you are right. People either like living with an HOA or they don't. It's definitely better to be thoroughly informed.

Posted by Silvia Dukes PA, Broker Associate, CRS, CIPS, SRES, Florida Waterfront and Country Club Living (Tropic Shores Realty - Ich spreche Deutsch!) about 1 year ago


This is such an outstanding article on HOAs. There is so much to know when considering a purchase in one. And despite good intentions, sometimes after the fact you find out things you wish you knew beforehand. Some are well run and others leave an awful lot to be desired.


Posted by Jeff Dowler, CRS, The Southern California Relocation Dude (Solutions Real Estate ) about 1 year ago

Anna, I have heard some real horror stories about some HOAs, so this information is very important.  Buyers really need to pay attention when they are looking at these types of developments.  Nicely done!

Posted by Ron Marshall, Birdhouse Builder Extraordinaire (Marshall Enterprises) about 1 year ago

Thankfully we don't have any big issues out my way. There aren't that many HOAs, either. This is a very comprehensive report on Arizona HOAs. You really did your homework on this one. 

Posted by Debbie Laity, Your Real Estate Resource for Delta County, CO (Cedaredge Land Company) about 1 year ago


 Your blog proves my point there is always that one neighbor, we have mowing and yard maintenance in our section and people yelp about it but then I explain what they are getting and that there is always that one and if you are selling your home that will not help they all agree.

Posted by Yolanda Cordova-Gilbert about 1 year ago

I totally agree with you that HOA's can be nasty and very hard to deal with, thanks for sharing.

Posted by Sybil Campbell, REALTOR® ABR, SFR, SRES Williamsburg, Virginia (Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia) about 1 year ago

Great assessment of HOA's offered here, Anna Banana Kruchten CRS,CRB ... both pro and con.  And what an amazing idea for a book!  JMO, but HOA's are only as good as the human input they receive, by both the HOA members and the management.  The can be a blessing ... or quite the opposite!


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) about 1 year ago

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