I lived in a neighborhood with an optional HOA. It is all dependent on how the deed restrictions are written. I think only 2% of the houses were members. Most of the yards were trashy. The sign needed replacing at the front of the neighborhood and they had a hard time coming up with the money to do it. But I could park my car in the yard if I wanted to! And paint my house whatever color I wanted!
There are pros and cons to both mandatory and optional HOAs.
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