Nancy, every community is different regarding what is covered in the HOA Fees.
Furthermore, the HOA fees are only one element to consider.
It is possible a community has very low published HOA fees but historically issue an assessment to each homeowner to correct for the shortfall of income and operating expenses.
Brand new communities will typically have lower HOA fees becuase the REAL costs are unknown and as the community ages, the fees are adjusted accordingly.
As BIll indicated, what is included can result is absolute maintenance free living including manned security, video surveillance, vacant home monitoring and concierge services to as little as keep the light on that illuminates the community sign.
A local REALTOR will be very familiar with what is included in the HOA fees. Be aware, even within a community, what is covered by the HOA may very.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL