To piggyback on what Michael said, HOA dues are not always higher in condos. They can be...but not always. Case in point: Cedar Creek Condominiums in Hillsborough has an HOA fee of $100 per month and Braddock Park Townhomes in Hillsborough have an HOA fee of $106.25 per month. In the case of Braddock Park, even with the higher fee, it does not cover structure insurance and each homeowner needs to have a regular HO3 policy that is just like a standard detached home. However, Cedar Creek has amenities like a pool currently. As of right now, there is a pool "planned" for Braddock Park but it is up in the air as to when that pool will be finished.
Hope this helps clarify a bit. Please let me know how I can help.
All the best,
Susan Crawford, ABR, Broker, e-PRO
Triangle Home Crew Team Leader
Keller Williams Realty