HOA fees in the villas of On Top of The World include all outside maintenance including lawns, but not any homeowner plantings. It also covers exterior painting, roof repair (but not replacement), property insurance on the building itself, but not on your contents or the interior. It also covers access to all of the amenities and the 24 hour guard gates, and I believe basic cable and trash pickup. On Top of The World is a leasehold, so you don't actually own the home, but you have a 99 year lease from the date of building. OTOW also only allows 70% financing for any purchase, so a 30% down payment is always required.
Oak Run HOA fees cover the amenities, the guard gates, common area maintenance, basic cable, and trash pickup. Some homes also include lawn maintenance, but at a higher rate than those homes that don't.