Battle between homeowner and HOA over truck could lead to foreclosure

All the news from the peanut gallery and where all the nasty trash talk fails miserably.
It can get NSFW-ish here: you have been warned!

Moderator: Animal

User avatar
Animal
The Great Pretender
Posts: 29472
Joined: Mon Jan 21, 2019 11:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#51

Post by Animal »

WestTexasCrude wrote: Sat May 11, 2019 7:59 pm Thanks for the info, I have 2 points/ questions to make/ ask. 1/ So Homeowners pay fees to the HOA (higher valued homes- higher fees, I assume). HOA board members are voluntary. May I assume they are elected? say 1-2-3 year terms? If that's the case, treat it like a city council, and publish their weekly/ monthly meetings to all homeowners in detail. That way the HO's can see the AHole who has a stick up his butt on some issue and vote him/ her out in the next cycle. 2/ Sounds like the HOA's perform a pretty important function vis a vis- ensuring Homeowners investments are secured. That said, I see some major problems which I assume are what the controversy's are all about. Make sure your yard is mowed/ trees pruned. No junk cars/ trash laying about, almost long list of things. My dinky city demands the same thing. Probably more tolerant about the time to fix. Everything is about the outward appearance of your property, what everybody sees, which is fine. But if the HOA's have a policy about parking in your own driveway, out measuring the length of your grass, etc. That's total BS. That's outward appearance. Unless you are installing huge butane tanks inside your house (out of view of everyone), They can FO. None of their business and overstepping what are supposed to be doing.
In my subdivision (and in all my experiences) the fees for each homeowner are the same every year, regardless of home value.

HOA members (in my experiences) are elected, not paid anything, Mine publish minutes from all meetings they have. You can go to the meetings if you want (and are not on the board). once a year they have a big meeting that everyone is invited to where elections are held for vacant seats.

The main purpose of most HOA's is to collect enough funds to operate the "common areas". Landscaping, maintenance (on ponds, fountains, etc), painting street lights, putting in flowers at entrances, etc. It is their job to manage the funds appropriately and to be a place for people in the neighborhood to call and report things (unleashed animals, sprinklers not working in common areas, suspicious behavior, etc.) Its also their job to collect the dues and to enforce any violations of the restrictions (cars parked wrong, fences not conforming, architectural modifications, etc.)

At least all of the HOA's I have been exposed to are started by the developer that built the subdivision and then handed over to elected homeowners after a couple of years. The members of the HOA (usually 5 or 6 people) are elected each year and are not paid anything. If most of the people in the community are civil every thing works fine. There are always a select few that get some bur up their ass and try to cause problems for everyone, but I hear it more in stories from other people than in my experience.
WestTexasCrude

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#52

Post by WestTexasCrude »

Flumper wrote: Sat May 11, 2019 8:14 pm
WestTexasCrude wrote: Sat May 11, 2019 7:59 pm Thanks for the info, I have 2 points/ questions to make/ ask. 1/ So Homeowners pay fees to the HOA (higher valued homes- higher fees, I assume). HOA board members are voluntary. May I assume they are elected? say 1-2-3 year terms? If that's the case, treat it like a city council, and publish their weekly/ monthly meetings to all homeowners in detail. That way the HO's can see the AHole who has a stick up his butt on some issue and vote him/ her out in the next cycle. 2/ Sounds like the HOA's perform a pretty important function vis a vis- ensuring Homeowners investments are secured. That said, I see some major problems which I assume are what the controversy's are all about. Make sure your yard is mowed/ trees pruned. No junk cars/ trash laying about, almost long list of things. My dinky city demands the same thing. Probably more tolerant about the time to fix. Everything is about the outward appearance of your property, what everybody sees, which is fine. But if the HOA's have a policy about parking in your own driveway, out measuring the length of your grass, etc. That's total BS. That's outward appearance. Unless you are installing huge butane tanks inside your house (out of view of everyone), They can FO. None of their business and overstepping what are supposed to be doing.
In my subdivision (and in all my experiences) the fees for each homeowner are the same every year, regardless of home value.

HOA members (in my experiences) are elected, not paid anything, Mine publish minutes from all meetings they have. You can go to the meetings if you want (and are not on the board). once a year they have a big meeting that everyone is invited to where elections are held for vacant seats.

The main purpose of most HOA's is to collect enough funds to operate the "common areas". Landscaping, maintenance (on ponds, fountains, etc), painting street lights, putting in flowers at entrances, etc. It is their job to manage the funds appropriately and to be a place for people in the neighborhood to call and report things (unleashed animals, sprinklers not working in common areas, suspicious behavior, etc.) Its also their job to collect the dues and to enforce any violations of the restrictions (cars parked wrong, fences not conforming, architectural modifications, etc.)

At least all of the HOA's I have been exposed to are started by the developer that built the subdivision and then handed over to elected homeowners after a couple of years. The members of the HOA (usually 5 or 6 people) are elected each year and are not paid anything. If most of the people in the community are civil every thing works fine. There are always a select few that get some bur up their ass and try to cause problems for everyone, but I hear it more in stories from other people than in my experience.
Yeah, thanks. Seems like they perform a very important function- Of course there will be rogue HOA's out there measuring the tallness of you grass, etc. Take regulations on fence height and composition that people bitch about so much. Let's be honest, many of these HO's are rich with money burning their pocket. Without regulations, they would build a wall so tall, their backyard could only be seen from space. And composed of thousands of 3,000 year old Egyptian mummies.
WestTexasCrude

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#53

Post by WestTexasCrude »

That said, the HOA's authority ends at the exterior skin of your house. Anything inside is none of their Damn business. That's where the line should drawn by the the State Govt's.
User avatar
CaptQuint
Christ, get a life already!
Posts: 30361
Joined: Sun Jan 06, 2019 7:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#54

Post by CaptQuint »

Department of the Interior?
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
User avatar
necronomous
The Super Cool Contrarian
Posts: 8370
Joined: Mon Jan 07, 2019 12:42 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#55

Post by necronomous »

Fuck HOA's. I'm not going to pay a group of people to tell me how to live in my house. In most cases, one person's house isnt going to knock your property down that much, most people dont or wont live in a way that constitutes what will drive the value down, and a good realtor can still get more for asking price. If I want a purple with blue polka dot house, fuck you for attempting to tell me I cant. Ear a big old bag of dicks. I'll live how I want in my yard.
User avatar
Charliesheen
Snarky Fucker
Posts: 9194
Joined: Mon Jan 07, 2019 10:49 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#56

Post by Charliesheen »

You wouldnt want you for a neighbor, if serious.
A cunt is a cunt by any other name.
User avatar
QillerDaemon
( ͡° ͜ʖ ͡°)
Posts: 4378
Joined: Sun Jan 06, 2019 9:35 pm
Location: Beautiful downtown OrloVista FL
Interests: キラーデモン
Occupation: Pet the damn cat!

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#57

Post by QillerDaemon »

Charliesheen wrote: Sun May 12, 2019 5:08 pm You wouldnt want you for a neighbor, if serious.
I wouldn't mind having any of you slobs as a neighbor.

As long as our mailboxes were at least a good half mile apart.
If you can't be a good example, you can still serve as a horrible warning.
“All mushrooms are edible. Some even more than once!”
これを グーグル 翻訳に登録してくれておめでとう、バカ。
User avatar
Charliesheen
Snarky Fucker
Posts: 9194
Joined: Mon Jan 07, 2019 10:49 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#58

Post by Charliesheen »

What if my peacocks woke you up @ 4 every morning?
A cunt is a cunt by any other name.
User avatar
necronomous
The Super Cool Contrarian
Posts: 8370
Joined: Mon Jan 07, 2019 12:42 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#59

Post by necronomous »

Charliesheen wrote: Sun May 12, 2019 5:08 pm You wouldnt want you for a neighbor, if serious.
I absolutely would. I maintain my house. And most do.
WestTexasCrude

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#60

Post by WestTexasCrude »

OK. we've discussed HOA's activity on the homeowners exterior- paint, yards, pruned trees, etc. I want to hear the horror and illegal stories where HOA's can stick their nose in on your interior spaces.
User avatar
QillerDaemon
( ͡° ͜ʖ ͡°)
Posts: 4378
Joined: Sun Jan 06, 2019 9:35 pm
Location: Beautiful downtown OrloVista FL
Interests: キラーデモン
Occupation: Pet the damn cat!

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#61

Post by QillerDaemon »

WestTexasCrude wrote: Sun May 12, 2019 9:51 pm OK. we've discussed HOA's activity on the homeowners exterior- paint, yards, pruned trees, etc. I want to hear the horror and illegal stories where HOA's can stick their nose in on your interior spaces.
That depends on the agreed-upon rule book or covenants and what kind of development. Normally with a neighborhood of detached houses, those being a single home house on a lot, the HOA is not permitted to enter the house unless there are extraordinary circumstances or an abject emergency. Here in Florida, if an HOA board member tried to enter a house and didn't have a specific legal purpose in doing so (even if their intentions were good), it'd be considered trespassing. In attached homes, and those with common spaces between them, yes the HOA may very well have a rule to enter, up to and including as they please. But their reason must be spelled out in the rule book. Condominium buildings and attached town homes usually have such a rule allowing entry on listed terms. Out of courtesy, the HOA would normally contact the home owner to schedule the entry and the reason why.

With a separate homes each on a lot, it makes sense you have a greater expectation of privacy than with a condo unit. You're pretty much on your own with a house in terms of maintenance, but usually condos have a maintenance department or special contractor to help with repairs. I tried to help my wife's friend with a sink faucet replacement at her town house, and she found out she had to use their handyman, who fucked up the installation and which I had to correct after he left. Now, a single home house, if the HOA feels something is very untoward is going on inside, major pet hoarding or a pot grow house, they might make arrangements either to enter as an special HOA function, or work with local authorities to enter the house.

https://www.nolo.com/legal-encyclopedia ... -unit.html
If you can't be a good example, you can still serve as a horrible warning.
“All mushrooms are edible. Some even more than once!”
これを グーグル 翻訳に登録してくれておめでとう、バカ。
WestTexasCrude

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#62

Post by WestTexasCrude »

QillerDaemon wrote: Sun May 12, 2019 10:31 pm
WestTexasCrude wrote: Sun May 12, 2019 9:51 pm OK. we've discussed HOA's activity on the homeowners exterior- paint, yards, pruned trees, etc. I want to hear the horror and illegal stories where HOA's can stick their nose in on your interior spaces.
That depends on the agreed-upon rule book or covenants and what kind of development. Normally with a neighborhood of detached houses, those being a single home house on a lot, the HOA is not permitted to enter the house unless there are extraordinary circumstances or an abject emergency. Here in Florida, if an HOA board member tried to enter a house and didn't have a specific legal purpose in doing so (even if their intentions were good), it'd be considered trespassing. In attached homes, and those with common spaces between them, yes the HOA may very well have a rule to enter, up to and including as they please. But their reason must be spelled out in the rule book. Condominium buildings and attached town homes usually have such a rule allowing entry on listed terms. Out of courtesy, the HOA would normally contact the home owner to schedule the entry and the reason why.

With a separate homes each on a lot, it makes sense you have a greater expectation of privacy than with a condo unit. You're pretty much on your own with a house in terms of maintenance, but usually condos have a maintenance department or special contractor to help with repairs. I tried to help my wife's friend with a sink faucet replacement at her town house, and she found out she had to use their handyman, who fucked up the installation and which I had to correct after he left. Now, a single home house, if the HOA feels something is very untoward is going on inside, major pet hoarding or a pot grow house, they might make arrangements either to enter as an special HOA function, or work with local authorities to enter the house.

https://www.nolo.com/legal-encyclopedia ... -unit.html
Actually I was referring to where HOA's can regulate interior things like tile floors, windows, etc. Are they allowed? HOA's are an enforcement agency. The ultimate enforcement agency is Law Enforcement. Supreme Court has ruled for decades that LE, even if they suspect a house is grow house, can't warrant the monthly electricity bill much less thermal images from ground or aerial views.
User avatar
CaptQuint
Christ, get a life already!
Posts: 30361
Joined: Sun Jan 06, 2019 7:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#63

Post by CaptQuint »

Don't tell Al Gore no one can snoop on his electricity bill.
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
User avatar
CaptQuint
Christ, get a life already!
Posts: 30361
Joined: Sun Jan 06, 2019 7:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#64

Post by CaptQuint »

The Police can absolutely obtain a warrant for electrical usage or a thermal imaging device on a private residence.
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
WestTexasCrude

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#65

Post by WestTexasCrude »

CaptQuint wrote: Sun May 12, 2019 11:02 pm The Police can absolutely obtain a warrant for electrical usage or a thermal imaging device on a private residence.
Nope. The idiot keeps flapping the lips. Scotus has ruled many times, LE is not not allowed any thermal images in anyone's residence under any circumstances (invasion of private property). Dude, please log out and come back with a fresh mindset in a few days. We all need it. And it sounds like you need it, too.
User avatar
CaptQuint
Christ, get a life already!
Posts: 30361
Joined: Sun Jan 06, 2019 7:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#66

Post by CaptQuint »

WestTexasCrude wrote: Sun May 12, 2019 11:15 pm
CaptQuint wrote: Sun May 12, 2019 11:02 pm The Police can absolutely obtain a warrant for electrical usage or a thermal imaging device on a private residence.
Nope. The idiot keeps flapping the lips. Scotus has ruled many times, LE is not not allowed any thermal images in anyone's residence under any circumstances (invasion of private property). Dude, please log out and come back with a fresh mindset in a few days. We all need it. And it sounds like you need it, too.
Idiot

https://en.wikipedia.org/wiki/Kyllo_v._United_States
Any damn fool can navigate the world sober. It takes a really good sailor to do it drunk
mamalukaboobooday
Forum Newbie
Posts: 7
Joined: Fri Mar 01, 2019 11:35 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#67

Post by mamalukaboobooday »

CaptQuint wrote: Sun May 12, 2019 11:26 pm
WestTexasCrude wrote: Sun May 12, 2019 11:15 pm
CaptQuint wrote: Sun May 12, 2019 11:02 pm The Police can absolutely obtain a warrant for electrical usage or a thermal imaging device on a private residence.
Nope. The idiot keeps flapping the lips. Scotus has ruled many times, LE is not not allowed any thermal images in anyone's residence under any circumstances (invasion of private property). Dude, please log out and come back with a fresh mindset in a few days. We all need it. And it sounds like you need it, too.
Idiot

https://en.wikipedia.org/wiki/Kyllo_v._United_States
Well that settled that
Last edited by mamalukaboobooday on Mon May 13, 2019 9:15 am, edited 2 times in total.
User avatar
megman
Nanook of the North
Posts: 5702
Joined: Sun Jan 06, 2019 8:37 pm
Location: Halfway between the Equator and the North Pole

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#68

Post by megman »

WestTexasCrude wrote: Sun May 12, 2019 9:51 pm POTATO!
MY PEOPLE SKILLS ARE JUST FINE. IT"S MY TOLERANCE FOR IDIOTS THAT NEEDS WORK
Thewalruss
Forum Irregular
Posts: 113
Joined: Fri Jan 18, 2019 6:36 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#69

Post by Thewalruss »

I have multiple houses both in and not in hoa managed developments. HOA developments have seemed to hold their value much better in my experience. Relying on the common man to maintain their properties and not impact neighborhood values is a pipe dream. It only takes one market downturn(like the one we saw 10 years ago) and the neighborhood can go to shit. I'd never have a primary residence without one.
User avatar
B-Tender
Christ, get a life already!
Posts: 4270
Joined: Sun Jan 06, 2019 9:48 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#70

Post by B-Tender »

Thewalruss wrote: Mon May 13, 2019 4:20 am I have multiple houses both in and not in hoa managed developments. HOA developments have seemed to hold their value much better in my experience. Relying on the common man to maintain their properties and not impact neighborhood values is a pipe dream. It only takes one market downturn(like the one we saw 10 years ago) and the neighborhood can go to shit. I'd never have a primary residence without one.
You bring up a good point, but it is only one side of the coin, capital apprecitation. As a real estate professional, you care about appreciation, and cash flow for rentals. Some people just want to live as they please. If someone sees their home as a financial vehicle, they might be interested in an HOA. If they want their own "dream house", maybe not. And, if you are a landlord, an HOA can help protect your investment.
Thewalruss
Forum Irregular
Posts: 113
Joined: Fri Jan 18, 2019 6:36 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#71

Post by Thewalruss »

B-Tender wrote: Mon May 13, 2019 6:20 am
Thewalruss wrote: Mon May 13, 2019 4:20 am I have multiple houses both in and not in hoa managed developments. HOA developments have seemed to hold their value much better in my experience. Relying on the common man to maintain their properties and not impact neighborhood values is a pipe dream. It only takes one market downturn(like the one we saw 10 years ago) and the neighborhood can go to shit. I'd never have a primary residence without one.
You bring up a good point, but it is only one side of the coin, capital apprecitation. As a real estate professional, you care about appreciation, and cash flow for rentals. Some people just want to live as they please. If someone sees their home as a financial vehicle, they might be interested in an HOA. If they want their own "dream house", maybe not. And, if you are a landlord, an HOA can help protect your investment.
That's true. The HOA separates these two types of people. If you aren't as concerned about future market values of your home and don't care if your neighbor parks his food truck in front of your house everyday and runs a part time auto repair company in his driveway then roll the dice. I use to have that mind set until I got old enough to witness first hand various neighborhoods go to shit. Maybe I'm officially old enough to start yelling at the kids to get off my lawn.
User avatar
Animal
The Great Pretender
Posts: 29472
Joined: Mon Jan 21, 2019 11:18 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#72

Post by Animal »

Thewalruss wrote: Mon May 13, 2019 1:10 pm
B-Tender wrote: Mon May 13, 2019 6:20 am
Thewalruss wrote: Mon May 13, 2019 4:20 am I have multiple houses both in and not in hoa managed developments. HOA developments have seemed to hold their value much better in my experience. Relying on the common man to maintain their properties and not impact neighborhood values is a pipe dream. It only takes one market downturn(like the one we saw 10 years ago) and the neighborhood can go to shit. I'd never have a primary residence without one.
You bring up a good point, but it is only one side of the coin, capital apprecitation. As a real estate professional, you care about appreciation, and cash flow for rentals. Some people just want to live as they please. If someone sees their home as a financial vehicle, they might be interested in an HOA. If they want their own "dream house", maybe not. And, if you are a landlord, an HOA can help protect your investment.
That's true. The HOA separates these two types of people. If you aren't as concerned about future market values of your home and don't care if your neighbor parks his food truck in front of your house everyday and runs a part time auto repair company in his driveway then roll the dice. I use to have that mind set until I got old enough to witness first hand various neighborhoods go to shit. Maybe I'm officially old enough to start yelling at the kids to get off my lawn.
I'm not sure what the financial aspect would really be. You can buy a home in a nice HOA subdivision and your home value will probably appreciate pretty nicely over time. However, you also have to factor in the cost of the HOA fees and the increased property values over time. Say you bought a $300k home in a good subdivision with a good HOA. You hold it 15 years and sell it for $375k. If that HOA cost $2,000 a year then you put in $30k in HOA fees over the 15 years. If your property values increased along the way to match the appreciation of the property (which they probably would do), then you probably paid (0.03 x ($75,000 / 2) x 15 years) $17,000 in additional tax. And there's the additional closing cost on the $75,000 increase. That's 6% of $75,000 or $4,500. So, for an increase of $75,000 in property value, you were out of pocket $51,500 just in HOA, property taxes, and closing cost.

So, I do agree with you that its a good investment idea when buying a home, but its not quite as straightforward as some might think.
Thewalruss
Forum Irregular
Posts: 113
Joined: Fri Jan 18, 2019 6:36 am

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#73

Post by Thewalruss »

Here in Orlando area it's not hard to find 400-600k neighborhoods with $500-700 annual dues. I have one right now at $600 annual that that doesn't over police the neighborhood but does it's job with the occasional Yahoo. For me personally, I don't think I would buy in a neighborhood with over 1k annual dues.
User avatar
QillerDaemon
( ͡° ͜ʖ ͡°)
Posts: 4378
Joined: Sun Jan 06, 2019 9:35 pm
Location: Beautiful downtown OrloVista FL
Interests: キラーデモン
Occupation: Pet the damn cat!

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#74

Post by QillerDaemon »

Thewalruss wrote: Tue May 14, 2019 3:15 am Here in Orlando area it's not hard to find 400-600k neighborhoods with $500-700 annual dues. I have one right now at $600 annual that that doesn't over police the neighborhood but does it's job with the occasional Yahoo. For me personally, I don't think I would buy in a neighborhood with over 1k annual dues.
I live over here in the west side, between Pine Hills and MetroWest, not far from Kirkman Drv. We don't have an HOA, never did, and this used to be its own incorporated town a century ago, before Florida pulled a bunch of town charters during the late 20's land bust. I'm not sure if any part of Crime Hills has any sort of HOA, probably not, but MetroWest is full of them, most meaning serious business. At both houses I owned toward Union Park and Goldenrod, our HOA was (this was the 90's) charging us $35 and $50 a quarter. But we had almost no commons areas, just a grassy bit at the front of the neighhorhoods to maintain.

Any way, I can only imagine what the HOA costs are like in Heathrow, the tony portions of Winter Park, or Islesworth. :o
If you can't be a good example, you can still serve as a horrible warning.
“All mushrooms are edible. Some even more than once!”
これを グーグル 翻訳に登録してくれておめでとう、バカ。
User avatar
CHEEZY17
Libertarian House Cat
Posts: 16710
Joined: Mon Jan 07, 2019 8:25 pm

Re: Battle between homeowner and HOA over truck could lead to foreclosure

#75

Post by CHEEZY17 »

Your house is most likely the biggest investment most people will ever make. It makes sense that people want to protect that investment. If I could do it all again I'd choose a HOA 100% of the time.
"When governments fear the people, there is liberty. When the people fear the government, there is tyranny."
Post Reply