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The Pitfalls of Owning a Townhouse Without an HOA: An Inspection Company’s Perspective

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Owning a townhome can be an attractive option for many homebuyers, offering a blend of single-family home ownership with some of the conveniences of apartment living. However, townhomes that are not part of a homeowners association (HOA) come with their own set of challenges and potential pitfalls. We have seen the various issues that can arise when townhomes lack the oversight and collective management provided by an HOA. Here, we list and describe the key pitfalls of owning a townhome that is not part of an HOA. 1. Maintenance and Upkeep Responsibilities One of the primary benefits of an HOA is the collective management of exterior maintenance and common areas. Without an HOA, individual owners bear the full responsibility for maintaining their properties. This includes: Exterior Repairs: Owners must handle all exterior repairs themselves, which can be costly and time-consuming. Roof repairs, siding, painting, and other exterior maintenance tasks can quickly add up in both effort an