When I visited Sunset Cove, they told me the HOA is $225 and only contain exterior maintenance and common area (insurance?). I was thinking its expensive and it doesnt cover water,trash..etc. So now it sounds like it might not be a bad thing. If the water is seperate, then I will at least get my service as long as I pay even if My neighbors stop paying. Well, at least thats what I think it means.