The parks, tennis courts and an association which upholds the rules, regulations, design, etc. The city maintains the roads which includes snow removal.
Some people really support and appreciate the rules and regulations set up by the neighborhood association. There are many neighborhoods in Bend with HOA's and you are smart to ask what the coverage is. You should also find out how strong the HOA is in up holding the rules and regulations. And before buying a home check with your real estate broker ask who is in charge of the HOA and request copies of the minutes and financial statements.