The problems with that scenario are the following: if you ask the seller to include the equity fee within the price of that Boca home, that amount will become the number on which your tax is based.
If you're paying cash, that is not a problem, but you have not accomplished anything except for increasing your taxes every year.
If you are purchasing this home in Boca Raton with a mortgage, adding in the cost of the equity into the price will probably bring the cost of the home above the appraisal value. That means you would have to bring additional cash to the closing table; and your taxes would still be higher than if you had simply purchased the home and paid the equity separately.
However, if for some reason adding in the cost of equity to the price of the house does not bring the appraisal value above comparable prices, then you have a chance. But your taxes will still be higher than if you had purchased this Boca home without equity.
Usually in country club home situations, the value of the home has dropped so much that the homeowner is selling at a loss. Having to absorb the equity payment may be too much for most sellers.
Once you have purchased a home in a Boca Raton country club, you will still have to pay the annual country club dues. There is no way to avoid them.
You may want to look into homes in a place like Boca Pointe, where you do not have to join the country club if you don't want to; or, Boca Greens, where the golf club membership is open to the public and you pay as you play.
Marc Jablon, the Jablon Team
Re/Max Complete Solutions