Realtor Lisa Reeve's explanation is very thorough.
In Odessa and Lutz there are quite a few areas without a mandatory Homeowners Association. I'm not familiar with Bradenton.
Normally when you search for a home it will indicate if there is an HOA and the cost.
Your Realtor can give you a Listingbook account to search or if you're not yet working with a Realtor, you're welcome to sign up for a free Listingbook account on my website:
All the best,
Alma Rose Kee, PA
Future Home Realty