[quote=bearishgurl]
This is true, and Sedona and Flagstaff and a little further. Flagstaff is maybe four hours, depending on road conditions.[/quote]

Sedona is less than 2 hours from central Phoenix.

And just a quick word about HOA’s in Phoenix. Almost every development built in the last 25 years has an HOA even if they own no common area. Many have annual fees of a few hundred bucks or less. They do have CC&R’s, but many (maybe even most?) have no rule enforcement (some no rule enforcement mechanism), except in extreme cases.