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I have one.
They basically clear the snow, mow the common areas, and once a year send a team of inspectors around to make people repair the parts of the houses that are damaged (I got a notice this year because the siding on the side of my house was sloughing off, which I hadn't even realized).
I'm ok with that.
I didn't have a choice in my area whether to have an HOA (basically only historic areas don't), but I did find this correlation: The higher the HOA fees, the more dickish the HOA is. If you have to have an HOA, find the lowest fee one you can. $250/month HOA fees? Run far, far away... they'll be up in your business nonstop.
Sam
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