To make you feel a little more at ease about the Mello-Roos, when you get into contract with a home any home, be it condo or a home, The title company will provide you with a Preliminary Title Report. In the Title Report, there will be a section on what the current owner is paying in taxes along with any Mello Roos payments that are required for that particular property. It will also state what the Mello Roos is for. I.e. schools, repaving of roads, etc... Sometimes but not usally, The seller might include a Preliminary Title Report in the disclosure packet that the seller's agent has made to give to potential buyers. But more often then not Preliminary Title Reports are done right after the opening of escrow. There is one more place that you can see a Mello Roos and that is in the Natural Hazards Report which the seller can provide in the disclosure packet as well. Home Owners Associations do not have anything to do with Mellow Roos, they have more to do with the city or county.
Good Luck! Hamilton is a great place to buy right now.