"...Can you Share Information about HOAs for single family homes?"


"Hi Lottie ... if you can share any information/insight you have about single family homes with HOA, it would be great."

So began a recent email from a buyer with whom I've been working for a bit. These buyers have recently been approved for financing, so we're ready to start the home buying process in earnest. Questions like these are starting to emerge as we investigate single-family homes as well as townhouses.

My reply to her question: "Single-family homes, especially newer ones, are sometimes built as a planned community with a pool, private streets, etc. They often have restrictions such as exterior paint color choices, color of exterior window treatments, exterior yard maintenance which help keep the neighborhood neat and tidy. Many times the individual lot sizes are fairly small, with shared park common grounds."

There are many such communities in Redwood Shores and Foster City; fewer in Redwood City, Mountain View, Belmont and elsewhere in the Silicon Valley and in San Mateo County.

Sunrise Homes, Redwood ShoresTrail, Redwood Shores

We're getting together in a couple of days and will be discussing further pros and cons of Planned Unit Developments -- along with many other topics.

I love working with buyers who are interested and engaged in the process, who aren't afraid to ask questions and learn. I'm feeling confident we'll be finding a great house for them in the weeks ahead.






--- Come for a visit; Stay for a lifetime!

Lottie Kendall, Realtor®


CA DRE#10215160; 650-465-4547



Peninsula Living Business Page




Comment balloon 10 commentsLottie Kendall • November 17 2014 09:46AM


Lottie, great post on HOA in single family developments.   I see they are much more relaxed than in multi-housing complexes, but still need to look at them!  

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) over 5 years ago

You're right, Joan Cox - one definitely needs to read all the HOA documents, whether a single family home or a a condo/townhouse. You are buying into a community and need to be aware of restrictions, the financial health of the HOA, etc.


Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) over 5 years ago

Same process here.

That said, I have to laugh when someone from the midwest where land is cheap wants a minimum 2 acre lot.  Now we have them although they're going to be out of towns. 

It gets interesting when they also want public water and sewer.

Posted by Lenn Harley, Real Estate Broker - Virginia & Maryland (Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate) over 5 years ago

And from a financing perspective, good to know that PUD's are often treated identically to single family dwellings.  Not always so with condos, but PUD's are fairly straightforward.

Posted by Rob Spinosa, SVP of Mortgage Lending, Marin County (Guaranteed Rate, Marin County, CA) over 5 years ago

I love when buyers are involved and ask questions, sounds like you've got some smart folks to help find a home - important to point out the difference between 'townhouse' and 'condo', too, as many buyers don't really know the difference, but find out when their financing terms are different.

Posted by John Meussner, #MortgageMadeEasy Walnut Creek, CA 484-680-4852 (Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,) over 5 years ago

Lottie - In my area HOA options for homes can add significant value to a property.  I'm glad your buyers are asking questions and working with a local professional who will have the information they need!  You're an agent in the know!

Posted by Laura Allen, Lake Tahoe - Truckee Real Estate for Sale TahoeLauraRealEstate.com, Tahoe Real Estate Agent Helping Buyers and Sellers (Coldwell Banker, Tahoe City, CA (530) 414-1260) over 5 years ago

Smart Buyers, they know the questions to ask.  Everyone should be so astute!

Posted by Fred Griffin Tallahassee Real Estate, Licensed Florida Real Estate Broker (Fred Griffin Real Estate) over 5 years ago

Good morning Lottie. it is so important for folks to be working with the right Realtor and these folks made the right choice. Nice job handling their questions.

Posted by Joe Petrowsky, Your Mortgage Consultant for Life (Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709) over 5 years ago

Lenn Harley - when I work with buyers relocating from most parts of the US, I witness their sticker shock at the prices of our usually much smaller homes. I agree they are small, but --- we're outdoors playing 12 months of the year.

Rob Spinosa and John Meussner - thanks for weighing in from a financing perspective. It's good for me to know that - I'm not sure I did completely. Maybe fodder for a blog post from you two?

Good morning, Laura Allen, Lake Tahoe - Truckee Real Estate for Sale www.TahoeLauraLuxuryHomes.com - I wonder if HOA's with single family homes are more common in your area than in mine.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) over 5 years ago

Hello Fred Griffin - I love having buyers (sellers, too) who ask questions -- it means they are interested, and will probably make wise choices and be successful, happy homeowners.

Joe Petrowsky - everytime we field questions, we hone our skills -- and I usually learn something from the questions, too. Love them!

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) over 5 years ago