HOA depends on the property and what is being covered in the HOA. Many places vary. Most HOA on Condo's cover insurance on the building, common grounds, fencing, septic. If it a a PUD (planned urban development) seperate houses, that also covers maintenance of the club house, pool and /or other community areas inside the PUD. If you can get me the address your looking at I can look up the information and let you know how much and what it covers for the HOA. I work in the Chico, Paradise, Oroville, and Orland areas so I cover a large territory. You can email me with the information you would like to know about.