Question 1

What do HOA fees cover in San Antonio communities?

Accepted Answer

HOA fees typically cover common area maintenance, amenities like pools and gyms, exterior maintenance in some communities, insurance for common areas, reserve funds for future expenses, and management costs. Fees in San Antonio range from $50-100 per month for basic amenities to $300-500+ per month in communities with extensive amenities or condo buildings.

Question 2

What rules can HOAs enforce?

Accepted Answer

HOAs can regulate exterior paint colors, landscaping standards, parking restrictions, fencing and structures, holiday decorations, pets, and rental restrictions. These rules are outlined in the CC&Rs (Covenants, Conditions, and Restrictions) and are legally enforceable. HOAs can issue fines, place liens, or take legal action for violations.

Question 3

What happens if you don't pay HOA fees?

Accepted Answer

If you don't pay HOA fees, the association can charge late fees and interest. Continued non-payment can result in a lien on your property. In Texas, HOAs have the legal right to foreclose on a property for unpaid fees, though this is uncommon. HOA fees are a legally binding obligation when you buy in an HOA community.

Question 4

What are HOA special assessments?

Accepted Answer

Special assessments are one-time charges for major expenses that exceed the HOA's reserve fund, such as repaving streets, replacing roofs, or repairing storm damage. These can range from hundreds to tens of thousands of dollars depending on the project. Before buying, ask about the HOA's reserve fund balance and history of special assessments.

Question 5

How do you evaluate an HOA before buying?

Accepted Answer

Read the CC&Rs to understand rules you'll follow, review the HOA's financial statements and reserve fund balance, check for pending litigation, ask about fee increase history, and talk to current residents about their experience. Your real estate agent can help request and review HOA documents before you make an offer.

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