67newport
Old Man with a Hat
how can a hoa foreclose on your house?
Battle between homeowner and HOA over truck could lead to foreclosure
- Thread starter 67newport
- Start date
People claim to want "smaller government" but then they sign many of their personal "rights" away when they move into an HOA-governed housing area. What's more important? Where you live or what you drive?
Back in the 1980s, there was a news story (from Virginia?) about a guy that bought a new, high-trim-level F-150 for himself. He parked it in his driveway, proudly. Soon thereafter, he got a letter from his HOA, telling him he could not park that truck in his driveway. A rule in the HOA Agreement stated that "Trucks" were not permitted in their development. To them, a "truck" was a "work vehicle" and should only be in the development when contracted work was being done, period.
He counted that it was his personal vehicle, but they would not hear it. He ended up selling his pickup truck.
In another deal, more recently, a successful contractor drove his personal F-350SD pickup home at night. All $85K of it. Similar situation. He ended up moving, after some legal battles.
There have been some efforts to decrease the power of HOAs over the past years, but none have really succeeded, at the state level.
Many people don't realize they are under HOA jurisdiction until something like this happens. The agreement is usually buried in the mortgage papers and glossed-over in the signings, it seems.
The HOA will claim their "power" from seeking to protect property values in their jurisdiction. "Protecting the neighborhood from _______".
Just some thoughts,
CBODY67
Back in the 1980s, there was a news story (from Virginia?) about a guy that bought a new, high-trim-level F-150 for himself. He parked it in his driveway, proudly. Soon thereafter, he got a letter from his HOA, telling him he could not park that truck in his driveway. A rule in the HOA Agreement stated that "Trucks" were not permitted in their development. To them, a "truck" was a "work vehicle" and should only be in the development when contracted work was being done, period.
He counted that it was his personal vehicle, but they would not hear it. He ended up selling his pickup truck.
In another deal, more recently, a successful contractor drove his personal F-350SD pickup home at night. All $85K of it. Similar situation. He ended up moving, after some legal battles.
There have been some efforts to decrease the power of HOAs over the past years, but none have really succeeded, at the state level.
Many people don't realize they are under HOA jurisdiction until something like this happens. The agreement is usually buried in the mortgage papers and glossed-over in the signings, it seems.
The HOA will claim their "power" from seeking to protect property values in their jurisdiction. "Protecting the neighborhood from _______".
Just some thoughts,
CBODY67
As a career custom home general contractor I would never move into a neighborhood that has an HOA.
HOA's are not good for folks like me. IF you like to have your life ran by other people, then HOA's are right for you.
Protect your interest's, property value's, blah blah blah. Won't have it. I have to deal with HOA's on a good portion of the houses I build for out of state vacation home builders. They are always putting their noses where they don't belong.
Here is one that I deal with. Home - Game Trail Association I've built multiple homes in this neighborhood. The guys would get together and drive around the neighborhood just to find infractions. If they hear a dog bark, oh boy, run out and find who's dog is barking so they could put a stop to that.
And yes, they can foreclose your home if you don't pay their fines.
I knew a fella that paid thousand and thousand in fines for a paint color violation. He was stacked so he just kept paying the violations costs. IF he stops though, foreclosure.
Sickening really.
HOA's are not good for folks like me. IF you like to have your life ran by other people, then HOA's are right for you.
Protect your interest's, property value's, blah blah blah. Won't have it. I have to deal with HOA's on a good portion of the houses I build for out of state vacation home builders. They are always putting their noses where they don't belong.
Here is one that I deal with. Home - Game Trail Association I've built multiple homes in this neighborhood. The guys would get together and drive around the neighborhood just to find infractions. If they hear a dog bark, oh boy, run out and find who's dog is barking so they could put a stop to that.
And yes, they can foreclose your home if you don't pay their fines.
I knew a fella that paid thousand and thousand in fines for a paint color violation. He was stacked so he just kept paying the violations costs. IF he stops though, foreclosure.
Sickening really.
MrMoparCHP
Old Man with a Hat
Last edited:
68 4spd Fury
Senior Member
A good reason to read and understand rules and codicils before you buy.
MarPar
Meat Man with a Hat
jct
Senior Member
If they foreclosure on your house can't you just demolished it after you move out? And leave the rubble
70bigblockdodge
Old Man with a Hat
Wow, where do I sign up to live like this?
I got caught by my BIL. HOA rep, walking past the front door after staying over. He started with shed must be same color, whoa, whoa, whoa not my house, hold on, got my BIL on way back past him I told him you would not want me living here.
I got caught by my BIL. HOA rep, walking past the front door after staying over. He started with shed must be same color, whoa, whoa, whoa not my house, hold on, got my BIL on way back past him I told him you would not want me living here.
Wildaugust
Senior Member
I would never, ever, knowingly buy a home in a neighborhood that had an HOA. I'm the kind of person, though, who wants to "live" in my home and enjoy my property. I don't really view it as an investment. I don't ever expect to get rich from my property value.
Property generally goes up in value anyway, even without an HOA. Unless, of course, it's way way out in the middle of nowhere and/or the community is dying.
For example, this old flour mill shut down back around 1982, although it looks like someone is still using the building for something. That mill was the only employer in the little town of maybe 200 people. I never lived in that town, but I knew people who did. The house they lived in is still standing to this day and is still occupied, but all of the homes that were around theirs are gone now, just vacant lots. I would say that for each one of the few houses still standing, five others are gone. So, in this case, I think it's safe to say property values didn't go up. In areas where there is enough development for an HOA to be a thing, the property would have gone up in value anyway.
All I'm gonna say is, no HOA would want me in their neighborhood and I damn sure wouldn't want to be in their neighborhood either, but then I care more about my property rights than my property value.
Property generally goes up in value anyway, even without an HOA. Unless, of course, it's way way out in the middle of nowhere and/or the community is dying.
For example, this old flour mill shut down back around 1982, although it looks like someone is still using the building for something. That mill was the only employer in the little town of maybe 200 people. I never lived in that town, but I knew people who did. The house they lived in is still standing to this day and is still occupied, but all of the homes that were around theirs are gone now, just vacant lots. I would say that for each one of the few houses still standing, five others are gone. So, in this case, I think it's safe to say property values didn't go up. In areas where there is enough development for an HOA to be a thing, the property would have gone up in value anyway.
All I'm gonna say is, no HOA would want me in their neighborhood and I damn sure wouldn't want to be in their neighborhood either, but then I care more about my property rights than my property value.
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