Can HOA's run $400 a month or more for a townhouse? Yes, they can. That's why you find a savy realtor to help you find the ones with low HOAs.
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There is only 1 single family homes in 34747 priced below $85K, 11 in 34746 and of all 12 only 2 are not short-sales. Click to see 12 homes > http://mfr.mlxchange.com/Pub/EmailView.asp?r=1920090905&
Townhomes, i was only able to find 6 that are not short-sales, make sure to read the HOA section towards the end of each listings. Click > http://mfr.mlxchange.com/Pub/EmailView.asp?r=1331635565&
Let me know if you have further questions.
Charles Rutenberg Realty