I think there is an argument to be made for having HOA and not. I live in 4S and love it. My wife and I looked at many properties before we decided that 4S made since to us. The homes that we looked at, that were comparable in square footage and amenities, were 100,000+ more than we paid. The cost in our mortgage with the added fees kind of balanced out with this in mind. We do pay mello-roos/HOA and would rather not, but we justify it because we would pay the same amount for a used house that is comparable. To speak to HOA, I am for it. We already have neighbors that are pushing the boundaries but I’ve seen worse in other neighborhoods. I do believe that another persons decisions towards their house could adversely affect our home value. I don’t want anything to do with that. Just my opinion.
