Every property owner- whether the property is vacant land or improved - must pay the HOA fee. But the Holley By the Sea HOA fees of 365/year are incredibly reasonable for everything it includes. There are 8 lighted, clay tennis courts, basketball and baseball fields, boat launch, a state of the art fitness center, 2 pools - one is covered and heated during the winter, plus a "kiddie pool". Day care, excersise classes, steam and sauna, community room and even a "party" house that you can rent for special occasions at a very reasonable rate. HBTS is a wonderful community, centrally located 20 miles from Fort Walton Beach to the east and Pensacola to the west. I live and work here and I love it. I am appraiser with 18 years experience. I am also a Realtor with Crystal Shores Realty here in Navarre. If I can be of any help, feel free to call or email.