{"id":16154,"date":"2025-03-20T06:17:25","date_gmt":"2025-03-20T13:17:25","guid":{"rendered":"https:\/\/www.neighbor.com\/storage-blog\/?p=16154"},"modified":"2025-03-26T12:25:22","modified_gmt":"2025-03-26T19:25:22","slug":"does-hoa-own-the-land","status":"publish","type":"post","link":"https:\/\/www.neighbor.com\/storage-blog\/does-hoa-own-the-land\/","title":{"rendered":"Do HOAs Own the Land Your Property Sits On?"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><p class=\"wp-block-paragraph\">Purchasing property or land in an HOA involves important considerations beyond just the HOA fees. One key question many buyers have is: <strong><em>Do HOAs own the land?<\/em><\/strong><em>&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While you legally own your home or vacant lot, the homeowners association (HOA) enforces rules that can significantly impact how you use it. From <strong>construction restrictions<\/strong> to <strong>parking limitation<\/strong>s, understanding an HOA&rsquo;s authority is crucial, especially if you plan to build a home or store vehicles on your property.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we&rsquo;ll break down your rights as a property owner and how HOA regulations <a href=\"https:\/\/www.neighbor.com\/storage-blog\/creative-ways-to-make-money-with-1-acre-of-land\/\">might affect your plans<\/a>.<\/p>\n\n\n\n<h2 id=\"does-the-hoa-actually-own-your-land\" class=\"wp-block-heading\">Does the HOA Actually Own Your Land?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before we get into the details of what an HOA can and can&rsquo;t do, we should first answer the question of whether the HOA owns<a href=\"https:\/\/www.neighbor.com\/storage-blog\/how-to-make-land-pay-for-itself\/\"> the land your property sits on.<\/a> <strong>The answer is no.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>When you purchase a lot in an HOA-managed community, you are still the legal owner <\/strong>of that land. If you bought a home, you are the owner of the house and the land beneath it. <strong>However, the property is still subject to the HOA&rsquo;s governing documents<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These documents are also called Covenants, Conditions, and Restrictions, or CC&amp;Rs. Although there are similarities between communities, the <strong>governing documents of each HOA are NOT universal.&nbsp;<\/strong><\/p>\n\n\n\n<html><body><div id=\"in_post\">\n    <a href=\"https:\/\/www.neighbor.com\/host\" onclick=\"rudderanalytics.track('press editorial cta button', {location: 'first in post', version: '2.0'}, () =&gt; { console.log('track call'); });\">\r\n  <div class=\"first-in-post-cta\">\r\n    <header>\r\n      <h2 id=\"can-we-pay-you-to-store-vehicles\">Can we pay you to store vehicles?<\/h2>\r\n    <\/header>\r\n    <section>\r\n      <div class=\"service-option\">\r\n        <div class=\"service-option-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"60\" height=\"60\" viewbox=\"0 0 60 60\" fill=\"none\">\r\n            <path d=\"M26.7552 20.0573C26.2911 20.9853 26.2499 22.3578 26.2499 24.375H33.7499C33.7499 22.3577 33.7088 20.9853 33.2448 20.0573C33.0557 19.6792 32.8 19.3973 32.3888 19.1841C31.9442 18.9535 31.2108 18.75 30 18.75C28.7892 18.75 28.0558 18.9535 27.6112 19.1841C27.2 19.3973 26.9442 19.6792 26.7552 20.0573Z\" fill=\"#005EB8\"><\/path>\r\n            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M28.0777 4.32887C29.3195 3.87732 30.6805 3.87732 31.9223 4.32887L48.7973 10.4652C51.0173 11.2725 52.5 13.3777 52.5 15.7462V33.1425C52.5 33.7407 52.4058 34.3605 52.1888 34.9629C47.861 46.9738 35.9939 53.5676 32.1164 55.464C30.7986 56.1086 29.2843 56.1505 27.9278 55.5549C23.9729 53.8185 12.0728 47.6941 7.77513 34.8948C7.58399 34.3255 7.5 33.7394 7.5 33.1762V15.7481C7.5 13.3807 8.98165 11.2729 11.2027 10.4652L28.0777 4.32887ZM22.4998 24.1662L22.4999 24.375C20.4289 24.375 18.75 26.054 18.75 28.125V35.625C18.75 37.6961 20.4289 39.375 22.5 39.375H37.5C39.5711 39.375 41.25 37.6961 41.25 35.625V28.125C41.25 26.0539 39.5711 24.375 37.5 24.375L37.5 24.166C37.5016 22.4546 37.5037 20.19 36.5989 18.3802C36.0848 17.352 35.2859 16.4621 34.115 15.855C32.9776 15.2652 31.6017 15 30 15C28.3983 15 27.0224 15.2652 25.885 15.855C24.7141 16.4621 23.9152 17.352 23.4011 18.3802C22.4961 20.1901 22.4982 22.4547 22.4998 24.1662Z\" fill=\"#005EB8\"><\/path>\r\n          <\/svg><\/div>\r\n        <h3 id=\"list-your-unused-space\">List your unused space<\/h3>\r\n        <p>People are earning $1,000s per year from their garages and outdoor space.<\/p>\r\n      <\/div>\r\n      <div class=\"service-option\">\r\n        <div class=\"service-option-icon\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"60\" height=\"60\" viewbox=\"0 0 60 60\" fill=\"none\">\r\n            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.125 9.375C11.0539 9.375 9.375 11.0539 9.375 13.125V46.875C9.375 48.9461 11.0539 50.625 13.125 50.625H46.875C48.9461 50.625 50.625 48.9461 50.625 46.875V13.125C50.625 11.0539 48.9461 9.375 46.875 9.375H13.125ZM28.125 16.875C28.125 15.8395 28.9645 15 30 15C31.0355 15 31.875 15.8395 31.875 16.875V20.625H35.625C36.6605 20.625 37.5 21.4645 37.5 22.5C37.5 23.5355 36.6605 24.375 35.625 24.375H26.25C25.2145 24.375 24.375 25.2145 24.375 26.25C24.375 27.2855 25.2145 28.125 26.25 28.125H33.75C36.8566 28.125 39.375 30.6434 39.375 33.75C39.375 36.8566 36.8566 39.375 33.75 39.375H31.875V43.125C31.875 44.1605 31.0355 45 30 45C28.9645 45 28.125 44.1605 28.125 43.125V39.375H22.5C21.4645 39.375 20.625 38.5355 20.625 37.5C20.625 36.4645 21.4645 35.625 22.5 35.625H33.75C34.7855 35.625 35.625 34.7855 35.625 33.75C35.625 32.7145 34.7855 31.875 33.75 31.875H26.25C23.1434 31.875 20.625 29.3566 20.625 26.25C20.625 23.1434 23.1434 20.625 26.25 20.625H28.125V16.875Z\" fill=\"#005EB8\"><\/path>\r\n          <\/svg>\r\n        <\/div>\r\n        <h3 id=\"approve-your-renters\">Approve your renters<\/h3>\r\n        <p>You're in control. Approve who rents and the hours of access.<\/p>\r\n      <\/div>\r\n      <div class=\"service-option\">\r\n        <div class=\"service-option-icon\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"60\" height=\"60\" viewbox=\"0 0 60 60\" fill=\"none\">\r\n            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M31.2776 51.9974L31.7666 51.5417C32.0789 51.2503 32.527 50.8317 33.0706 50.3224C34.1576 49.3041 35.6276 47.9224 37.158 46.4698C40.1682 43.6127 43.5576 40.3461 44.596 39.1282C46.7163 36.6414 48.1719 33.6468 48.8127 30.4251C49.5529 26.704 49.173 22.847 47.7211 19.3418C46.2692 15.8366 43.8105 12.8407 40.6559 10.7329C37.5015 8.62514 33.7942 7.5 30.0001 7.5C26.2061 7.5 22.4973 8.62504 19.3428 10.7329C16.1882 12.8407 13.7295 15.8366 12.2776 19.3418C10.8257 22.847 10.4458 26.704 11.186 30.4251C11.8268 33.6468 13.2824 36.6414 15.4027 39.1282C16.4411 40.3462 19.831 43.6128 22.8415 46.4698C24.3721 47.9224 25.8422 49.3042 26.9294 50.3225C27.4731 50.8318 27.9212 51.2504 28.2336 51.5418L28.723 51.9979C29.4428 52.6672 30.5579 52.6668 31.2776 51.9974ZM28.723 51.9979C28.723 51.9979 28.7232 51.998 30.0001 50.625L28.723 51.9979ZM30.0001 50.625L31.2776 51.9974C31.2776 51.9974 31.2771 51.9979 30.0001 50.625ZM30 32.8125C33.6243 32.8125 36.5625 29.8744 36.5625 26.25C36.5625 22.6256 33.6243 19.6875 30 19.6875C26.3756 19.6875 23.4375 22.6256 23.4375 26.25C23.4375 29.8744 26.3756 32.8125 30 32.8125Z\" fill=\"#005EB8\"><\/path>\r\n          <\/svg>\r\n        <\/div>\r\n        <h3 id=\"get-paid-monthly\">Get paid monthly<\/h3>\r\n        <p>Sit back and collect automatic payments each month.<\/p>\r\n      <\/div>\r\n    <\/section>\r\n    <footer>\r\n      <button>Learn more about hosting <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\">\r\n          <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M18.8304 5.17619L4.55227 11.6663H11.1779C11.8199 11.6663 12.3404 12.1867 12.3404 12.8288V19.4543L18.8304 5.17619ZM19.029 3.43822C20.0069 2.99374 21.0129 3.9997 20.5684 4.97757L13.0612 21.4935C12.5438 22.6316 10.8404 22.2627 10.8404 21.0124V13.1663H2.99417C1.74398 13.1663 1.37497 11.4628 2.51312 10.9455L19.029 3.43822Z\" fill=\"#EFF5F8\"><\/path>\r\n        <\/svg><\/button>\r\n    <\/footer>\r\n  <\/div>\r\n<\/a>\n  <\/div><\/body><\/html><h2 id=\"pros-and-cons-of-purchasing-land-in-an-hoa\" class=\"wp-block-heading\">Pros and Cons of Purchasing Land in an HOA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many HOA communities have tennis courts, swimming pools, and even snow removal facilities for residents in colder climates. However, along with these additional services and amenities come restrictive covenants, which can impact you negatively at times.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to property ownership, it is essential to understand the Pros and Cons associated with HOAs.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pros<\/strong><\/td><td><strong>Cons<\/strong><\/td><\/tr><tr><td><strong>Property Value Protection<\/strong>: The result of strict design rules and community standards is well-kept and up-to-date common areas.<\/td><td><strong>Restrictions<\/strong>: HOAs can dictate paint colors, architectural styles, landscaping, and even the number of cars in the driveway, which limits personal freedom and often requires prior approval for minimal changes to the home or land.<\/td><\/tr><tr><td><strong>Shared Amenities and Municipal Services<\/strong>: Some HOAs offer pools, gyms, clubhouses, common area land, or other perks maintained by HOA fees.<\/td><td><strong>Additional Costs<\/strong>: Monthly fees or annual HOA dues can add up. Special assessments for large projects can also create unexpected expenses.&nbsp;<\/td><\/tr><tr><td><strong>Conflict Mediation<\/strong>: HOAs can handle disputes over boundaries or nuisances, saving you from legal hassles with neighbors.<\/td><td><strong>Potential for Overreach<\/strong>: Strict boards or excessive rules can lead to fines or conflicts.<\/td><\/tr><tr><td><strong>Community Engagement<\/strong>: Social events and neighborhood projects are planned year-round, fostering a sense of community.&nbsp;<\/td><td><strong>Foreclosure Risks<\/strong>: Falling behind on dues could, in severe cases, lead to foreclosure.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<html><body><div id=\"2_in_post\">\n    <a href=\"https:\/\/www.neighbor.com\/host\" onclick=\"rudderanalytics.track('press editorial cta button', {location: 'second in post', version: '2.0'}, () =&gt; { console.log('track call'); });\">\r\n  <div class=\"second-in-post-cta\">\r\n    <section>\r\n      <div class=\"service-option\">\r\n        <h2 id=\"earn-1000s-per-year-with-your-unused-space\">Earn $1,000s per year with your unused space<\/h2>\r\n        <button>Become a Neighbor host<\/button>\r\n      <\/div>\r\n    <\/section>\r\n  <\/div>\r\n<\/a>\n  <\/div><\/body><\/html><h2 id=\"rules-and-regulations-of-homeowners-associations-hoas\" class=\"wp-block-heading\">Rules and Regulations of Homeowners Associations HOAs&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The two areas where HOAs will often<strong> restrict what you can build and park on your land.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you purchase in an HOA community, you&rsquo;ll need to <strong>review the architectural guidelines and parking regulations.&nbsp;<\/strong><\/p>\n\n\n\n<h3 id=\"building-on-hoa-regulated-land\" class=\"wp-block-heading\">Building on HOA-Regulated Land&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are building a home on a vacant lot in an HOA-regulated community, the HOA will be part of this building process. An HOA committee and its members will want to play a part in reviewing your initial plans and ensuring property lines are honored, among other things.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Design Approval:<\/strong> HOAs often have an architectural review committee. You&rsquo;ll typically submit plans for approval, including exterior materials, height, color, and landscaping elements.<br><\/li>\n\n\n\n<li><strong>Setbacks and Lot Coverage: <\/strong>HOAs may require certain distances between structures and property lines. They also limit how much of the lot can be built upon.<br><\/li>\n\n\n\n<li><strong>Construction Timeline: <\/strong>Some associations require that you build within a specific timeframe after purchase, or they may have rules about how long construction can last.<br><\/li>\n\n\n\n<li><strong>Exterior Aesthetics:<\/strong> Many HOAs have approved color palettes and material guidelines to ensure a cohesive look throughout the community.<br><\/li>\n\n\n\n<li><strong>Fines for Violations:<\/strong> If you start building without approval or disregard specific requirements, you can be subject to penalties and could be required to halt or undo work.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"parking-on-hoa-regulated-land\" class=\"wp-block-heading\">Parking on HOA-Regulated Land&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parking rules can be especially strict in HOA communities, especially those with single-family homes, where the covenants restrict homeowners from having a certain number of vehicles and restrictions on the size of the cars.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are standard parking regulations you might encounter:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Driveway vs. Street Parking: <\/strong>Many HOAs prohibit or limit overnight street parking.&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.neighbor.com\/storage-blog\/rv-storage-spots-per-acre\/\"><strong>RV and Boat Storage<\/strong><\/a><strong>: <\/strong>Some HOAs restrict large vehicles such as RVs, boats, or trailers. They may require these vehicles to be kept in a garage, behind a fence, or off-site.<\/li>\n\n\n\n<li><strong>Guest Parking: <\/strong>With prior approval, temporary guest <a href=\"https:\/\/www.neighbor.com\/storage-blog\/how-many-parking-spaces-can-you-fit-per-acre-free-parking-blueprint-tool\/\">parking might be allowed on the street<\/a> or in designated visitor spots, but long-term guest vehicle storage often isn&rsquo;t permitted.<\/li>\n\n\n\n<li><strong>Commercial Vehicles:<\/strong> Check the rules for driving a branded work truck or commercial van. Some HOAs forbid parking commercial vehicles in residential driveways or require a vehicle cover for parking overnight.&nbsp;<\/li>\n\n\n\n<li><strong>Renting Out Extra Space:<\/strong> If your HOA rules are lenient (especially regarding the number of cars in a driveway), you could rent out your spare driveway space to neighbors looking for a place to store an extra vehicle, RV, or trailer.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"differences-between-an-hoa-and-a-poa-property-owners-association\" class=\"wp-block-heading\">Differences Between an HOA and a POA (Property Owners Association)&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While we have discussed what Homeowner associations can and can&rsquo;t do with your land, you may also live in a community with a property owners&rsquo; association or POA.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Some people use these terms interchangeably, but they are not exactly the same.&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Homeowners Association (HOA)<\/strong><\/td><td><strong>Property Owners Association (POA)<\/strong><\/td><\/tr><tr><td><strong>Scope<\/strong><\/td><td>Typically governs a residential community of homeowners.<\/td><td>Can include commercial properties, vacant lots, and other real estate types.<\/td><\/tr><tr><td><strong>Membership<\/strong><\/td><td>Mandatory for all property owners in the community.<\/td><td>Membership may be broader or optional in a larger community, depending on the POA&rsquo;s setup.<\/td><\/tr><tr><td><strong>Primary Focus<\/strong><\/td><td>Maintains the aesthetic value of common areas in a residential area.<\/td><td>Broader real estate matters, which might include business properties or undeveloped land.<\/td><\/tr><tr><td><strong>Enforcement<\/strong><\/td><td>Enforces CC&amp;Rs through fines, liens, or foreclosure (depending on local law).<\/td><td>Similar enforcement tools, though rules can be more flexible depending on the property types included.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"final-thoughts\" class=\"wp-block-heading\">Final Thoughts&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In some parts of the country, most single-family residences are located within an HOA community. If you are looking to purchase in an HOA community, there are certain guidelines regarding the number of vehicles that can be parked on a plot of land that you should consider.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you can park extra cars, consider using <a href=\"http:\/\/www.neighbor.com\">Neighbor<\/a> to list the extra space and generate revenue. It may help you cover some of the regular fees of owning property in an HOA.<br><\/p>\n\n\n\n<h2 id=\"is-it-a-mistake-to-buy-land-in-an-hoa\" class=\"wp-block-heading\">Is It a Mistake to Buy Land in an HOA?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Buying land governed by an HOA isn&rsquo;t necessarily a mistake. Consider your priorities and your intended use of the land. An HOA might be right for you if you value uniformity, community amenities, and a higher likelihood of stable property values.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you prioritize complete freedom over using and managing your property, an HOA could feel restrictive.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Always read the CC&amp;Rs and architectural guidelines before closing on a property. In addition, talk to current residents for insights into how strict rules are enforced and whether the board is reasonable or overreaching.<\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"Purchasing property or land in an HOA involves important considerations beyond just the HOA fees. One key question&hellip;\n","protected":false},"author":34,"featured_media":16191,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_appearance_grid":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[204],"tags":[],"class_list":["post-16154","post","type-post","status-publish","format-standard","has-post-thumbnail","category-real-estate-investing","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do HOAs Own the Land Your Property Sits On? - Neighbor Blog<\/title>\n<meta name=\"description\" content=\"Wondering does HOA own the land your home sits on? Learn how HOA land ownership works and what rights you have as a homeowner.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.neighbor.com\/storage-blog\/does-hoa-own-the-land\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do HOAs Own the Land Your Property Sits On? - Neighbor Blog\" \/>\n<meta property=\"og:description\" content=\"Wondering does HOA own the land your home sits on? 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