If you’re exploring homes in areas like Gilbert, Chandler, Mesa, Queen Creek, Scottsdale, or Phoenix, there’s a good chance you’ll come across communities with a homeowners association (HOA). HOAs can offer helpful benefits — from maintaining shared areas to preserving neighborhood appeal — but every HOA operates differently.

Before committing to a home, it’s important to understand exactly how the HOA works, what you’re responsible for, and what you can expect month-to-month. As someone who helps Arizona buyers navigate this every day, I’ve put together the essential questions you should be asking before you close.

These questions help you stay informed, avoid surprises, and feel confident in your decision.

1. What Are the Monthly (or Quarterly) HOA Fees?

This is the first number you should clarify.

Ask:

• How much are the dues?

• How often are they billed?

• Do they increase regularly?

HOA fees vary widely in Arizona — some are minimal, while others are more involved depending on the amenities.

2. What Do the HOA Fees Actually Cover?

Not all HOAs provide the same services.

Common inclusions may be:

• Landscaping of common areas

• Community maintenance

• Trash or recycling services

• Community pools

• Clubhouses

• Security gates

• Exterior paint (in select communities)

Understanding what’s included helps you budget accurately.

3. Are There Any Upcoming Assessments?

An assessment is an extra fee charged for major repairs or improvements.

Ask if the HOA has:

• Any planned assessments

• Any past assessments

• A fully funded reserve account

A strong reserve fund means the HOA is prepared for long-term maintenance.

4. What Are the Community Rules (CC&Rs)?

The CC&Rs (Covenants, Conditions & Restrictions) outline what homeowners can and cannot do.

Key questions include:

• Are exterior changes allowed?

• Are there landscaping standards?

• Are there rules for parking or vehicles?

• Are short-term rentals allowed?

• Are there pet-related guidelines?

These rules help protect property consistency — but you want to make sure they align with your lifestyle.

5. How Often Does the HOA Communicate With Residents?

Strong communication helps you stay informed about:

• Maintenance schedules

• Community updates

• Budget changes

• Upcoming projects

Ask whether they use email, newsletters, online portals, or regular meetings.

6. What Is the Approval Process for Home Improvements?

If you plan to update your yard, add features, or repaint, you’ll want to know this early.

Ask:

• What requires approval?

• How long does approval take?

• How strict is the review committee?

Knowing this upfront prevents delays later.

7. What Amenities Are Offered?

Arizona HOA communities vary widely in what they provide.

Some include:

• Community pools

• Tennis or pickleball courts

• Gyms

• Clubhouses

• Greenbelts

• Walking paths

Make sure the amenities align with the long-term value you want.

8. How Well Is the HOA Managed?

A well-run HOA protects your investment.

Ask:

• Is it self-managed or professionally managed?

• How quickly do they respond to requests?

• How transparent is their financial reporting?

You want an HOA that communicates clearly and maintains the community consistently.

9. What Is the Community’s Rental Policy?

This is important whether you plan to live in the home long-term or keep flexibility for later.

Ask about:

• Long-term rental rules

• Minimum lease duration

• Maximum number of rental properties allowed

Rental limits can influence both resale value and your personal plans.

10. Are There Any Violations on the Property?

Before buying, you need to know if the current owner has unresolved violations.

This may include:

• Landscaping issues

• Exterior condition requirements

• Unapproved modifications

These typically become the buyer’s responsibility after closing — so it's crucial to catch them early.

Why Asking These Questions Matters

An HOA can be a great benefit, offering community upkeep and convenient amenities. But understanding how the HOA operates helps you make a smart, informed decision that supports your long-term plans.

My job is to walk you through these questions, review the documents with you, and help you feel confident in every detail before you purchase.

FAQs: HOA Questions for Arizona Homebuyers

Q: Are HOAs common in Arizona?
A: Yes — especially in newer communities across Gilbert, Chandler, Queen Creek, Scottsdale, and Phoenix.

Q: Are HOA fees negotiable?
A: No. Fees are set by the HOA and apply to all homeowners.

Q: Can I review HOA documents before buying?
A: Yes. You’ll have an official review period to read CC&Rs, budgets, meeting notes, and rules.

Q: What if I disagree with the HOA rules?
A: It’s important to review documents closely to ensure the community fits your goals and lifestyle before committing.

Q: Who pays HOA transfer fees?
A: It varies by contract, but this is negotiated between buyer and seller.

Ready to Buy a Home in Gilbert, Chandler, Mesa, Queen Creek, Scottsdale, or Phoenix?

Let’s review HOA documents together and make sure your next home fits your goals — with no surprises.

📞 480-980-4400
📧 [email protected]
🌐 www.denisehurd.com

Let’s make your next move a confident one.