Florida Lawmaker Floats Ban on Hoas Amid Growing Backlash
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A Florida lawmaker proposes banning HOAs amid growing backlash, sparking debate on the role of HOAs in managing community resources and enforcing property standards.
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On one side, you have someone creating a car junkyard in his frontyard with a car tire bonfire behind his house and on the other, you have a random karen neigbor measuring your lawn greenness and soil humidity to see if you're not watering the lawn enough and fine your for that.
Take the power from a few powertrippers and make it more democratic and you solve both issues... turn every issue into a mandatory vote, require some kind of above-majority vote (eg 70%), and you're done. If the issue is so bad, that 70% of your neighbors actually come to a meeting and vote against what you're doing, it must be something really bad.
I would’ve killed for an HOA back then.
The HOA will break down my door about grass that is not strictly manicured, or about some algae on my front siding, but you know the one thing they will not lift a finger about? Noise complaints. Funny, that.
Two dangers with that.
First, mandatory votes are ... difficult. They exclude a lot of people, particularly those that gotta work two jobs to make ends meet, thus giving more power to those people who have lots of free time (i.e. pensioners, SAHM busybodies).
Second, tyranny of the majority. The original intention of HOAs was to keep out Black and Asian people and, in some cases, Jews [1]. Getting the majority of 70% in a majority white 'hood is an open invitation for harrassment.
If there is bad behavior, such as someone working on "car projects" at night, or letting junk pile up in their front yard, the solution is zoning, noise ordnances and environmental protection laws. Not HOAs.
[1] https://en.wikipedia.org/wiki/Homeowner_association#History
The current situation is, that you have pensoners, SAHM, racists and others bothering with HOA and then bothering the neighbors. The HOA board might be full of them, or consist only of them, but they don't make up the (eg.) 70% of total inhabitants of whatever neighborhood (except maybe in some extreme cases).
To get such a majority, even "the others" would have to be bothered by <something> so much, that they would be willing to go out and vote (voting can be done in a way that even people with two jobs can do it, especially if vote secrecy is not required). If some Karen is bothered by a slighly brownish lawn during a draught, most people wouldn't bother and getting 70% of them to vote would be impossible. If it was a serious issue, then people would bother more.
Forcing mandatory attendance for HOA votes won't work out, that's the thing. Too many cases of remote landlords, properties stuck in inheritance limbo, or even First Amendment issues (can you be compelled to make speech, aka participate in a vote?). Requiring a "70% of all owner shares" would flat out kill most HOAs, and requiring a "70% of present owner shares" perpetuates the status quo of giving disproportionate amounts of power to the usual suspects.
But if something bothers 70%+ of people enough to come and vote, it gets resolved HOA-style.
HOAs are a huge problem in Florida. It’s hard to find places to live without one. We escaped one that was controlled entirely by one family. Ten years later, they are still in charge of that HOA.
Now, we live in a neighborhood without an HOA. It’s not without a few minor problems, but people are generally more willing to just talk to each other and the city steps in with code enforcement if something ever gets really bad.
I think a lot of people here have PTSD from living in other places with an HOA. Last year, we had a newer resident get a little bit aggressive in trying to start an HOA. He was going so far as patrolling the neighborhood in a golf cart and calling code enforcement on people for all kinds of petty reasons. We ran him out of the neighborhood pretty quickly after that.
I will never live in a place with an HOA again unless it’s a shared building where you kind of have to have something.
HOAs are one of those things that seemingly no one likes, but then people look to buy a house and think it's just some weird coincidence that all of the "nice" neighbourhoods have HOAs. Everyone loves HOAs stopping their neighbours from doing obnoxious things, but are sure that the things they do should be immune from HOA influence.
And FWIW, I live in Canada and here HOAs are very uncommon in subdivisions (though of course condo towers and townhouse complexes with common property and needs have strata/boards that are basically HOAs), because instead municipalities usually have many of the same sort of rules regarding how you upkeep your property, inoperable cars, etc, even if it impinges on "property rights". Indeed, exactly the same stories happen where there are tearjerker stories about how mean the city is bugging someone about their unkempt lawn or junkers in the laneway, when the city in question is coincidentally one of the most desirable cities to live in. It's like people think these are just unrelated things, when the former often follows from the latter.
I live in a delightful neighborhood with no HOA. There are great non-HOA neighborhoods all over for miles around. You know what the real common denominator is for nice neighborhoods? Wealth. That’s it. If you want a nice place, have money and move somewhere other people have money too.
What, excuse me, the hell? I thought "debtor's prison" was outlawed centuries ago?
I cannot imagine running a building without an HOA, or some form of it. Who pays for the external repairs? Who pays for shared staff?
AC units for a highrise are $2-5M, who is saving for that?
This is just typical lawmaker BS, "oh I am going to do away with it", no real plan.
If anything just remove the HOA bylaws that are clearly violating peoples rights, like not being able to have cars in your drive way or only display flags certain ways.
This is hard to believe. Have you got a source?
1. HOA has stupid rule about mailbox 2. Homeowner is found to be in violation of the rule and fined. 3. Homeowner does not pay fines 4. HOA places lien on house and is eventually able to force a sale to pay the fine.
It has to escalate to get there, but it is possible.
Also I can state from personal experience with two different HOAs on two different sides of the state of Ohio that they are exactly that petty.
The first one harassed my grandparents and threatened them with fines over having the "wrong" mailbox despite my grandparents literally being the first owners of the home and the mailbox they had having been put up by the developer who built the neighborhood and still controlled the HOA at the time (if you're not familiar with HOAs, in new developments it's common for the developer to have a controlling vote until a certain percentage of lots have been sold which allows them to exercise tighter control over the way the neighborhood appears to potential buyers). If I recall correctly the "right" mailbox was also one that was built by some random local shop that was connected to the developers so you couldn't just go buy one retail.
The second one was a decade later when I was renting a room from a friend, he had one of the common "Step 2" brand plastic mailboxes which had been installed for years and was also common around the neighborhood. Apparently it wasn't the right color, it was tan and only the black and green variants were allowed.
I don't mind the concept of a HOA for maintaining shared areas and such. The one in the second case actually was responsible for all yard maintenance in the neighborhood which was nice (except that their vendor loved to show up at 6 AM on a Saturday to wake us all up with the sound of two-stroke engines) and that was fine. The problem is that they have too much power over individuals' property. Outside of special cases like historical properties there is no excuse for HOAs to care about what color I paint my front door, what brand of mailbox I use, what type of shingles I install, if I have a satellite dish, etc. If it does not objectively affect others who are not on my property the HOA should keep its nose out of it.
https://www.tampabay28.com/news/local-news/i-team-investigat...
An HOA that has $500/mo dues and 240 homes pulls $120,000/mo yet we have to cut our own grass, follow their paint scheme, follow their trash rules, keep our roofs new, front door clear, driveway clear, and packages out of sight.
EDIT for those downvoting, here's some cases for ya...
https://www.wlrn.org/local-news/2022-11-16/prosecutors-hoa-b...
https://www.miamidade.gov/global/release.page?Mduid_release=...
https://wsvn.com/news/investigations/arrested-again-ex-avent...
https://www.volusiasheriff.gov/news/volusia-county-sheriff/f...
Sure, it’d be interesting to see how people work out the concept of shared benefits that need being paid for from scratch, but I know and like some people in Florida so I’d still be sorry to see them do it.
My condo HOA experience was so bad I would never again recommend someone buy a condo. They refused to look at a structural issue until I got a lawyer and then refused to let the residents see the engineering report for the building we legally own. (Note: If you ever experience this, get out. There is no louder signal of an unsafe structure than "the engineering report is privileged".)
I would have thought your lawyer would be salivating at the prospect of raking your HOA over the coals. Or at least of mailing a nastygram with all sorts of colorful threats. I suppose not?
Which is to say if I had had the time and money for a protracted court drama, I do think a judge would have literally laughed them out of the courthouse, but everyone involved knew the case wouldn't get that far.
One really fun fact I learned from this is lawyers mostly just email each other polite requests with the vague threat of "this could escalate to court" as the grease that moves things. And if one side doesn't think it'll end up in court they just... say no!
The building could have been perfectly safe but the lawyer wants to "win" so says "fuck you we won't provide the report". The lawyer has no stake in the health of the project, if they are a litigator they just care about "winning".
Alternatively the building could have been about to collapse but the lawyer wants to "win" and doesn't live there so says "fuck you we won't provide it." Same result, different safety profile.
The issue is HOAs and management companies have warchests for stuff like this, individual owners of partial-buildings generally do not have a lot of money to fund lawyers until the judgment happens.
Obviously I don't know the details but their lawyer being an adversarial asshole sounds most likely to me.
What other explanation is there? Like... was the board planning to sell their units before people realized the building had problems?
The buildings were approaching an age where more significant/costly maintenance is necessary and I don't think they wanted to have to do those things.
My current suburban HOA is fine. My only gripe with them is when I had to get some outdoor changes approved, I never heard back from them so I had to wait until it was approved by default after no response for X days. Dues are $160/year so I'm not really complaining. Other than that, they maintain the common areas and the only times I've seen them flex their muscles were to pressure the bank to maintain and sell foreclosed homes in the neighborhood to get somebody living there again.
I also used to own a condo in a four unit building and the HOA board was just everyone who lived in the building.
And then when more of their towers collapse these same politicians will look around with surprised Pikachu faces.
https://www.tampabay.com/news/environment/2025/05/06/florida...
https://nypost.com/2025/06/26/real-estate/south-floridas-res...
https://www.newsweek.com/florida-condo-prices-plunge-2099157
https://www.newsweek.com/map-shows-cities-where-house-prices...
That is, I agree - but the suburban SFH HOAs are shitshows.
I agree that "your lawn isn't neat enough" HOAs are generally a plague at least up to a certain point.
In most places, this is called the city government.
Ultimately this feels like the "low tax area" myth is getting exposed. You still need to pay for all the same things your taxes would otherwise pay for, but for some reason it's different as long as it's not called a tax.
Yes, this is how it works pretty much everywhere else. Even my rural hometown with <1500 people has an elected park board that is responsible for parks, the swimming pool, tennis courts, summer rec programs, etc.
It's popular to shit on HOAs, largely because Americans (of which I am one) are allergic to paying taxes and being told what to do, but if you call it a "Neighborhood co-op" all of a sudden it's not clear why it shouldn't be allowed. Whatever happened to freedom of association?
There's occasional drama, but mostly things just run fairly smoothly.
It's even a crazy proposal for detached single family homes. Will a government official show up and decide what land is owned by each owner and record by government decree what the new property lines are?
if you don't want to join an HOA....
you don't join an HOA?
And in some areas it's very difficult to find housing not part of an HOA. I think somebody mentioned elsewhere in this thread that all new housing in Phoenix requires an HOA.
Don’t let Karen and her buddies run the meetings.
People nagging about HOA seems like are not owners or not knowing how HOA works o r supposed to work.
There is no problem being addressed here. You are salivating over a conversation on "peanut butter bad, lets regulate it!"
Allow HOAs, with a strictly specific purpose of budgeting for common area expenses. Whether it is for structure maintenance (in apartment buildings and townhouses with shared structural elements) or common sports areas, elevators, pools, etc. A HOA can be allowed to collect reasonable costs to fund those projected maintenance expenses. That makes sense.
Then, outlaw everything else. A HOA must not be able to have any say in anything that is not a common area maintenance cost.
This would be very easy to codify into law and solves all the problems with HOAs.
>Porras acknowledged condominiums, with shared roofs and common areas, present a more complicated case. But he said single-family HOAs in particular have lost their purpose.
By the way land is usually collectively owned by the apartment owners too.
And everyone I've ever heard complain about HOAs has never tried to serve on the board. They're not universally volunteer orgs, but a _lot_ of them are -- which means that if you run, you'll probably be elected, because nobody else wants to deal with that.
HOAs are small governments, with plenty of the problems of larger governments via unhappy but nonparticipatory voters.
Seems fair that the people who actually live in them are the ones paying for the costs instead of spreading it over to all residents of the city. Maybe we will see some suburbs converted to more dense housing once the public infrastructure needs to be replaced.
You'd be better off preventing HOAs from doing petty things like requiring homes to be painted certain colors and requiring them to have their books audited yearly to ensure there's no fraud or abuse going on.
There is also a very powerful ombud created to mediate and resolve the kind of hoa horror story bullshit we often hear about online.
I know that I only hear about the crazy ones because blogs about normal/good HOAs aren't going viral, but I've seen enough horror stories that if I ever moved to the US I would do my best to avoid one like the plague.
Even before the 2021 surge in home values, homes on city streets almost never saw as much growth in value (except for homes in the heart of metro areas where people will pay for location to work. On suburban city blocks, home values are often stagnant even in good markets)
One of the common problems I've heard of (not firsthand, so this may be apocryphal—but it wasn't just once that I heard it) is that buyers don't get to see the HOA agreement, or even know it exists, until after they've bought the property. (IIRC, the situations where the latter was the case were either buyers not reading their purchase contract closely enough, and thus missing the actual requirement to agree to the HOA, or neighborhoods where the HOA was not legally required, but if you didn't join it they'd gang up and make your life a living hell.)
I've heard the arguments in favor of them before, I just don't find them convincing.
An HOA isn't a separate body with no stake in the properties involved—that would be a property management company or something similar. It's a body made up of the people who actually live there. So while they could potentially charge you $3000 or $10,000 in bullshit fines for something they decided you did, they (usually) can't realistically charge you $3000 for dues without charging the same to everyone. Including themselves.
That said, there are definitely circumstances where an HOA is fully captured by a small clique of highly-active, highly-entitled, power-mad people with too much time on their hands and too little common sense or compassion, and they can't be gotten rid of either because of byzantine bylaws or because they actually are a majority of the people in the neighborhood.
Sometimes, this won't matter, because "they" are making millions a year (or are married to someone who is—often, toxic HOA members are stay-at-home spouses with little else to occupy them), so I'm not saying this doesn't happen, but we're not talking about some third-party management company raising prices so that they make more profit. We're talking about a cooperative raising fees for its own members—including the board members—which go into the common coffers.
Unless, y'know, we're talking about active embezzlement. Which does happen, but is obviously a failure mode and not normal operation.
If I had to pick one thing I dislike the most about HOAs, it would be this. There is never a guarantee that your quiet HOA will remain that way in the future. Which, to me, seems like a crazy chance to take.
>we have a shared park, community space, and where I live lots of irrigation.
This is where my confusion comes in. My local government handles this sort of stuff. But I understand that we (as countries) have different thoughts on governments and their responsibilities.
> If I had to pick one thing I dislike the most about HOAs, it would be this. There is never a guarantee that your quiet HOA will remain that way in the future. Which, to me, seems like a crazy chance to take.
Exactly this. HOA boards have a great tendency to attract the interests of the most busy-body, have to dictate to everyone what they do, Karen's that exist in the area covered by the HOA. Such that, over time, the original HOA that just maintained common areas and only got involved in egregious violations mutates into one that has rules specifying exactly where, by measurement, you are to position your trash container in relation to your garage door when it is not out front for trash pickup day. One of the worst offenders of HOA's near me has exactly that rule (position of trash container in relation to garage door) and the HOA has paid "inspectors" to drive around each trash pickup day after the HOA decreed time that the container should be returned to this location, to look for violations of the position and write folks up.
There was an entire story in the local newspaper about this pettiness on the part of this particular HOA (which is how I learned they had "trash can position relative to garage door" rules and that they had paid "inspectors" to monitor compliance).
And all it takes is for those with "controlling personality disorder" [1] to start running, and getting, elected to the HOA boards for this to happen. And for most HOA areas, the only population group even interested in running for HOA board member are the "controlling personality disorder" types. So no matter who one votes for, the HOA slowly mutates into a "control everyone, everywhere, all the time" one.
[1] I.e., those personality types that want to control everything that someone else is allowed to do.
https://imgs.xkcd.com/comics/standards.png
I still wouldn’t want to live in another one. Even if they behave well, they’re just annoying. It’s another set of de facto laws I have to keep track of, elections to vote in, proceedings to follow. The HOA’s finances are my finances so if they screw up it’s my wallet on the line. (I see so many people asking, the HOA fucked up, can they make us pay for it? You are the HOA, there’s nobody else to pay for anything.)
And they’re just not necessary in most places. Maintain common areas? We have something for that already, it’s called local government. Prevent eyesores? Fuck off, if you want to control what happens on a property then buy it. It’s unavoidable for a condo, but completely unnecessary for detached houses, and even townhouses don’t really need one.
Even if your HOA is not gated and doesn't have a clubhouse, not a pool, it is the HOA that is responsible for maintaining the streets and parks.
But... that is normally paid for by tax money. Yet the home owner's taxes in those communities are not lower. So the city is double dipping.
Snark aside, it's clear this guy hasn't thought out how condos will operate without a HOA. Going after SFH HOAs may be the best initial play here.
In many areas these either do not exist or are limited to only older construction. I haven't seen a single '90s or newer neighborhood in my home shopping that didn't have one.
Developers love the stupid things because it allows them greater control over how the neighborhood looks to potential buyers while they're still selling lots, and they're mandatory for new developments in some areas where the local government (reasonably) doesn't want to take on more road/utility/etc maintenance but isn't willing to actually stop sprawl.
> Snark aside, it's clear this guy hasn't thought out how condos will operate without a HOA. Going after SFH HOAs may be the best initial play here.
Someone else noted that in Florida the term "HOA" specifically refers to the kind affecting single-family homes. Condos have "COAs" apparently.
I really enjoyed it when a halfway house managed to find a loophole in their rules and rented a house down the street. That HOA tried and failed to kick them out..
It's right there in the name: don't tread on me, not us. Rules for thee, not for me.
County would have to find another place to do their voting as we have offered our clubhouse for years. We would have to fire our LCAM.
County would have to maintain some expensive drainage and ponds that our HOA manages. Fountains. Weir replacement alone is $250k that we keep up.
Yes, reform HOA laws but abolishing them I am not sure is the right thing to do. It would create such a massive mess and requirement for Counties to maintain things that they don’t currently manage. It may lead to these areas to incorporate because then you would end up with City based code enforcement.
HOA reserve funds (not Condo) needs to be relooked at. We have healthy reserves because we have been keeping on top of reserve studies.
Be careful what you ask for is all I am saying.
Uhm, return it to the property owners?
The real pattern is that HOAs have been abusing their power; or in other cases are required because municipalities don't want to do their job. As a result the lawmakers will, unfortunately, overcorrect.
What would happen is we would have to surrender those funds to the State.
So this would lead to a huge windfall for the State.
States have rules for what happens when a HOA dissolves. That means the money goes right to the State including the sale of the common property.
So there is no realistic scenario where hoa reserves factor into home price
It's like selling shares of a company with significant cash reserves before/after they choose to liquidate a chunk of them into dividends or stock buy-backs, I would hope you priced the shares accordingly and have nothing to be mad about.
The potential buyer can still inquire and factor that in, right?
An HOA is no different. All the owners are also owners of the HOA. When you buy a place in the HOA you also buy into the HOA, and when you sell you also sell your interest in the HOA.
If State doesn’t then a non profit corporation is formed that does
Size of the share is determined usually by the dwelling floor area divided by the sum total of all dwellings in the scheme.
So if you sell your house after decades of contributions, and then the BC is dissolved, then too bad, you sold your share in a going concern and lost your say in it's affairs.
Arguably you benefitted from the contributions from someone who came before you, and now someone will benefit from yours.
There must be cases of HOA's being force disbanded / dissolved in the past to use as a template. I think it's just a majority vote from home owners and submission of articles of dissolution? If enough properties could be liquidated then a good incentive could be giving home owners back a few years of dues. As a bonus all the over-zealous rules that have grown over the decades get dissolved and people just default to county and state laws.
Edit: If/when it becomes known that there will be some kind of a payout, people selling their homes will need to adjust the price and/or expect some kind of credit from the buyer at closing.
Of course law can be changed
I would hold a vote to change those ASAP.
Saying, "hey, show up and vote and you might actually get some money from it," will make people show up.
This statement makes no sense. The property owners are the ones who own the properties, today. It is very clear cut who they are, it's even public record.
I am saying that past property owners contributed money and expected the HOA to exist virtually forever. New / current expected the same.
Honestly, the amount of money you have in reserve, plus the list of amenities you list, makes it sound like the HOA has been sitting on a spigot of endless cash for a very long time and finding nice-to-have things to justify the continued fees.
I understand it wouldn't be easy to change all these management responsibilities, but in principle everything the HOA does can be devolved to either voluntary associations, or to public authorities (as happens in most of the rest of the world). Unlike a condo association, it's not a completely unimaginable shift what this lawmaker is proposing.
I don’t think homeowners will be universally pleased with this.
This neighborhood has a few amenities like soccer fields, tennis courts, bike/walk trails and exercise stations. In the early days of construction there was some debate about a HOA but that was fortunately shot down pretty quickly as far too toxic.
Instead, there is a property tax assessment on all houses in the area that covers for the city to maintain these common areas. Sure we pay for that, which is fair. The areas are maintained, they are open to all which is great, and there is no nasty HOA meddling in how people paint their houses or what flowers they plant or what car they buy. Best of all worlds.
I absolutely HATE living in an HOA for private property reasons; I don’t enjoy being told what I can do on and to my own private property and being bound by decisions other people make about my own private property. Things like being forced to use a specific (terrible) trash service and specific lawn care company (charged at 2x what I pay for lawncare with 4x the property), which are things friends complain about in nearby communities.
However, I also fully understand their value for communal property/amenities and see nothing wrong with maintaining mandatory membership for those features. The biggest problem is that those costs continue to be inflated in the HOAs around us, and now our own after I stepped down. For many of them it is the unnecessary improvements or using a board members cousin contractor, or a member, who charges 1.5x while providing .5x the value. That, or it gets turned over to a management company that takes a 30% cut and milks the budget with their own in-house contractors doing a similar overcharge/underperform thing.
What the legislator wants, and what can be done legally are likely to be two separate things. They could certainly repeal laws that allow for mandatory membership to be durable upon sale, and provide support for HOA bylaw enforcement, but a law “abolishing” HOAs entirely would likely be struck down a day later. That Likely runs afoul of the first amendment among other things. It would be like saying people can’t form private political groups or enter into private contracts; nonsense, as HOAs are often private non-profit corporations.
behind closed doors saying things like "that rule only exist when we don't like someone and helps us be able to get rid of them", "it's supposed to be a fair process but we just let the tenants we like and prefer know first, we will send everyone a letter so it's too late for them to respond against it".
It's a small scale dictatorship.
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