01-26-2010, 04:34 PM
Location: Palm Island and North Port
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Quote:
Originally Posted by
scjoe
So if a house in a HOA subdivision is foreclosed on, doesn't the bank become responsible for the HOA dues?
Yes, generally the banks pay the back HOA dues. We list many foreclosures so we know how it works. Actually we (the Realtors) pay the HOA dues and are reimbursed by the banks.
01-26-2010, 06:38 PM
Location: Ohio
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Quote:
Originally Posted by
SoFLGal
Yes, generally the banks pay the back HOA dues. We list many foreclosures so we know how it works. Actually we (the Realtors) pay the HOA dues and are reimbursed by the banks.
I'm sure SoFLGal has experience in this field. I was just remembering that the law was changed to limit banks responsibility for HOA dues to 12 months.
In the link below the second answer by an attorney is what I was told when I was on the board of directors at our former HOA.
Who is responsible for unpaid HOA dues when a foreclosed property is purchased? - Foreclosure - Avvo.com
Added: I also just remembered-while I was a board member of said HOA we discussed why we (the HOA) were not going to foreclose for non-payment of dues because the HOA fees were second in line (junior) after the mortgage (senior) and in all cases the mortgage was greater than the sales value (underwater if you will) so the HOA would not get any money by foreclosing but would have to pay attorneys fees for nothing.
Last edited by imagardener; 01-26-2010 at 06:52 PM ..
01-27-2010, 05:17 AM
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It depends on how much equity is in the home. When I lived in NJ we foreclosed on one of our units. The unit was worth $300K, they owed about $80K on their mortgage, so there was plenty of wiggle room. It was amazing how when they got served the foreclosure papers they managed to come up with the FIVE YEARS of back HOA dues plus all legal costs.
01-28-2010, 01:16 PM
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Quote:
Originally Posted by
Charles
Sure, that is a reality about the foreclosures affecting the fees the rest of the members pay. But, in general, HOA communities look a lot better and retain property values to prevent kooks from parking their cars on the lawn, erecting 100 foot ham radio antennae, and letting their yards turn into a dump. Everything is a trade off.
You don't need a HOA for that. If someone BUYS property for himself, he or she will generally respect it (except for the rednecks with cheap property). You're not going to find someone buy a 300 or 400K home then do all those aforementioned things.
Yeah, every once in a while you might have a guy paint his house purple but that usually happens in those subdivisions for people just starting out, but I've never seen a redneck family with a pitbull chained to a Chevy LUV in a higher end, non-HOA neighborhood.
HOAs are generally little fiefdoms that dilute the meaning of private property.
01-28-2010, 02:18 PM
Location: Ohio
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Quote:
Originally Posted by
triwing
You don't need a HOA for that. If someone BUYS property for himself, he or she will generally respect it (except for the rednecks with cheap property). You're not going to find someone buy a 300 or 400K home then do all those aforementioned things.
I am no HOA lover, lol but Florida is a little strange when it comes to neighborhoods.
When we were looking for a non-HOA home to buy we would drive down a street where one side of the street homes were $350-$500,000 and the other side of the street looked really shabby, probably half the price.
Or the beginning of the street houses were shabby and got nicer and nicer as you reached the end of the street. We wondered why.
The we went to google maps and looked at the satellite view. Ohhhhhhhh.
One side of the street was on the water and the other wasn't. Or the end of the street was on the water but not the beginning.
The people in the $150,000 houses might be renters or they might be original owners who paid $65,000 for their house way back when. They might be the type to have several old cars on the property.
One street we looked at a nice house on had a neighbor across the street with a mattress in the yard next to a firepit and lots of beer bottle empties.
That is the way some neighborhoods are in Florida and I've never seen it in any other state.
Honestly, when you are looking for property your best friend is google maps and the MLS listings. It explains why some little ole house that's 40 years old with 1 bathroom and no garage is listed for $500,000. And I'm not talking teardown either because CBS houses last FOREVER in Florida.
The neighborhood we bought into has canals on both sides of the street but the houses range from 12 years old to 45 years old. And some neighbors (renters) have boats (plural) in their yard. We have a small RV next to our house and a neighbor across the street has a bigger one next to theirs.
We love our neighborhood and if want to paint our house purple we could (not my fav color).
Just sayin...
02-12-2010, 08:41 AM
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Reputation: 86
HOAs are horrible! These people act like the neighborhood is a museum! This is no way to live! I rent in a HOA and I'm glad I rented before I bought! I would never ever buy in a HOA community! If you live in a HOA you really don't own your house, you have to get permission for everything! You need permission to fly a flag, plant trees on your property, cut down trees, place signs up, must keep your garage door closed, etc etc......
02-13-2010, 06:26 AM
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Quote:
Originally Posted by
cpt757100
HOAs are horrible! These people act like the neighborhood is a museum! This is no way to live! I rent in a HOA and I'm glad I rented before I bought! I would never ever buy in a HOA community! If you live in a HOA you really don't own your house, you have to get permission for everything! You need permission to fly a flag, plant trees on your property, cut down trees, place signs up, must keep your garage door closed, etc etc......
Not all have restrictions like that, and one of the reasons that there are restrictions is to keep the place from looking like a garbage dump. I prefer a "museum," thank you.
You do own it, your deed very much says you do. It also says that there are some specific terms of that homeownership that you agree to when you buy. If you don't like the terms, you become active with the community, run for the board, and make changes happen.
02-13-2010, 06:49 AM
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Quote:
Originally Posted by
annerk
Not all have restrictions like that, and one of the reasons that there are restrictions is to keep the place from looking like a garbage dump. I prefer a "museum," thank you.
Or don't live there. It's all about choice. I never understand why people complain about the choice they made? If you don't want to live in a place with an HOA, why move there? It makes no sense at all.
02-13-2010, 06:50 AM
2,143 posts, read
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Reputation: 1157
Quote:
Originally Posted by
cpt757100
HOAs are horrible! These people act like the neighborhood is a museum! This is no way to live! I rent in a HOA and I'm glad I rented before I bought! I would never ever buy in a HOA community! If you live in a HOA you really don't own your house, you have to get permission for everything! You need permission to fly a flag, plant trees on your property, cut down trees, place signs up, must keep your garage door closed, etc etc......
Why did you rent there in the first place?
02-13-2010, 08:09 AM
26,585 posts, read
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Reputation: 13166
Quote:
Originally Posted by
Lilybeans
Or don't live there. It's all about choice. I never understand why people complain about the choice they made? If you don't want to live in a place with an HOA, why move there? It makes no sense at all.
Exactly! I can't believe that anyone would be so foolish, and even stupid, to buy or rent a home without having a clue what they were getting.
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People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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