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> Leaving your sister with the bill, which she is probably able to recover from the previous owners.

That depends, really. If the unpaid HOA fine was disclosed during the buying process, and the buyer didn't make it a condition of sale that the seller had to cover it, then the buyer is responsible. If the seller didn't disclose it, then the buyer can of course sue the seller, but depending on the magnitude of the fine, it might be easier and less stressful to just pay it.

> HOA's are agreed to by the owners and they preserve the value of everyone's property and enforce common decency.

In theory, yes. In practice, many HOAs are full of busybodies who enjoy the power trip and love to meddle in how other people live their lives. Even in the absence of that, like any institution, the people who are a part of them and subject to them often disagree on the fine details. For example, I'm not convinced it's fair that an elected board of homeowners gets to decide things like what color the curtains on the inside of your windows facing the street are allowed to be. But many HOAs have restrictions on that. I suspect you might think that such a restriction is fine, but that's exactly the point I'm trying to make: people don't always agree, but everyone ends up being subject to whatever the board/majority decides. I don't think we should allow these mini-governments to be able to enact property restrictions that actual governments wouldn't be allowed to do.

My latest fun letter from our HOA was that the paint on some air vents on our roof had faded and no longer matched the color of the roof, and we'd be fined if I didn't have them repainted. What a huge waste of time and money, both for me and for whatever busybody was paid (yes, paid) to drive around the neighborhood looking for these things.

As an amusing aside: not long ago I read of a case where a homeowner had been parking his boat in his driveway for some very long time (like more than a decade), but suddenly the HOA decided to enforce a provision about that not being allowed. Boats had to be put behind some sort of opaque fence or partition, so they're not visible from the street. So he built the fence, parked his boat behind it, and had an artistic neighbor friend paint a mural... of his boat... on the outside of the fence. Loved that.



But other HOAs pave the roads, chlorinate the water, and put out the fires. And decide how to pay for that. It’s a power vacuum that attracts busybodies when the responsibility is fading paint, but sometimes an essential component of property value.


Do they? That's generally the government. Are there HOA's that are actually responsible for the basic functions of government?




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