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Naples Community Basics

The vast majority of properties in the Naples area fall under a Home Owners Association (for single family homes), a Condominium Association (for condos) or both. These associations are legal entities controlled by owners, that govern the properties in accordance with the articles, bylaws and established policies. If the articles say all the buildings must be purple, then that is the way they'll remain. Each association sets it own rules and many associations have restrictions on renting, number or size of pets, types of vehicles allowed, outside building appearance and much more.

Master HOA, HOA and Condo Associations

	Master HOA. Large Communities often have several subdivisions. These subdivision could be made up of several different homeowner associations, several different condo associations or a combination of both. The Master HOA is responsible for the common areas not specific to any subdivisions. Each owner within the community will contribute fees for the operations and maintenance of common grounds and facilities (e.g. guardhouse). The Master HOA is controlled by a board of directors elected by owners within the subdivisions
	Community with Subdivisions
	HOA. A homeowner association consists of owners of single family homes within a development. It is controlled by a board of directors elected by the home owners and is responsible for the common grounds and shared facilities. A HOA could be a development by itself, or a subdivision within a larger development.
	Condo Association. Basically if a building has more than one residential unit, then it is most likely a condominium. A condo association could consist of one building or dozen of buildings. Owners contribute fees to the association for insurance on the building(s), care of common facilities (e.g. pool), outside maintenance, and other items. Additionally, fees are collected by the association and set-aside annually for future roof replacement, and other long-term care items. A condominium association, could be a development by itself, or a subdivision within a larger development.

 

Ownership / Control

Before a builder/developer starts selling properties within a new development they must have all the related Master-HOAs, HOAs and Condo Associations created and established as legal entities. Owners begin paying fees into the association upon purchase, but the builder controls the association until turnover. Typically, when the builder has nears the end of the building process the association is "Turned Over." The association as a legal entity remains exactly the same, but the property owners elect their own board of directors and the builder has no further say in the Association.

Association Before Turnover

 

 

Association after Turnover

 

 

Typically the associations hires a management company or professional managers to take care of daily needs of the association such as hiring lawn care services, pool maintenance, collecting dues, building maintenance, etc.