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HomeStand AI

    Top 20 Restrictive HOAs

    The 20 most restrictive HOAs in our database. These communities have the lowest HOA Scores, most aggressive enforcement policies, and highest number of restrictive provisions.

    Methodology

    Communities are ranked by their HOA Score, which combines:

    • Property rights & use restrictions (30% weight)
    • Personal autonomy limitations (20% weight)
    • Financial & enforcement authority (15% weight)
    • Procedural fairness & due process (10% weight)
    • Architectural control severity (15% weight)
    • Governance flexibility (7% weight)
    • Transparency & access (3% weight)

    Lower scores indicate more restrictive, aggressive governance structures.

    #1

    Chateau Elan Estates

    Georgia
    Why They Made The List:
    • Property Rights & Use: 35/100
    • Personal Autonomy: 10/100
    • Financial & Enforcement Power: 0/100
    • Governance & Amendment Flexibility: 35/100
    • Board can change rules without homeowner vote
    • Fines up to $2,000
    Category Breakdown:
    Financial/Enforcement Power0
    Personal Autonomy10
    Property Rights/Use35
    Governance/Amendment Flexibility35
    Architectural Control69
    Transparency/Access70
    Due Process75
    HOA Score
    1
    out of 100
    #2

    Tahoe Donner Association

    Nevada
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control45
    Governance/Amendment Flexibility70
    Due Process90
    Transparency/Access100
    HOA Score
    2
    out of 100
    #3

    Conashaugh Lakes Community Association

    Pennsylvania
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Contains potentially illegal clauses
    • Fines up to $2,000
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control61
    Governance/Amendment Flexibility70
    Due Process90
    Transparency/Access100
    HOA Score
    2
    out of 100
    #4

    Summerfield/Riverwalk Village Association (SRVA)

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Architectural Control: 21/100
    • Financial & Enforcement Power: 0/100
    • Contains potentially illegal clauses
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control21
    Governance/Amendment Flexibility45
    Due Process55
    Transparency/Access100
    HOA Score
    3
    out of 100
    #5

    Fairfield Mountains Property Owners Association

    North Carolina
    Why They Made The List:
    • Personal Autonomy: 10/100
    • Architectural Control: 37/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $2,000
    Category Breakdown:
    Financial/Enforcement Power0
    Personal Autonomy10
    Architectural Control37
    Property Rights/Use51
    Due Process60
    Governance/Amendment Flexibility65
    Transparency/Access100
    HOA Score
    3
    out of 100
    #6

    Rivers Edge Golf & Plantation Property Owners Association, Inc.

    North Carolina
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $1,500
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control45
    Governance/Amendment Flexibility45
    Due Process55
    Transparency/Access100
    HOA Score
    3
    out of 100
    #7

    PGA West

    Nevada
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 20/100
    • Architectural Control: 37/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $10,000
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy20
    Architectural Control37
    Governance/Amendment Flexibility50
    Transparency/Access70
    Due Process95
    HOA Score
    3
    out of 100
    #8

    Farmington Woods Master Association

    Connecticut
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control45
    Governance/Amendment Flexibility55
    Due Process70
    Transparency/Access100
    HOA Score
    3
    out of 100
    #9

    Makaha Surfside

    Hawaii
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 20/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $2,500
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy20
    Governance/Amendment Flexibility50
    Architectural Control77
    Due Process80
    Transparency/Access100
    HOA Score
    3
    out of 100
    #10

    The Resort On Carefree Boulevard

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 10/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy10
    Architectural Control45
    Governance/Amendment Flexibility65
    Due Process75
    Transparency/Access100
    HOA Score
    3
    out of 100
    #11

    Stoneybrook at Heritage Harbour Community Association

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Architectural Control45
    Governance/Amendment Flexibility55
    Due Process75
    Transparency/Access100
    HOA Score
    3
    out of 100
    #12

    Shelter Bay

    Washington
    Why They Made The List:
    • Property Rights & Use: 3/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $2,000
    Category Breakdown:
    Personal Autonomy0
    Financial/Enforcement Power0
    Property Rights/Use3
    Architectural Control61
    Governance/Amendment Flexibility70
    Transparency/Access85
    Due Process100
    HOA Score
    4
    out of 100
    #13

    Rivers Edge Property Owners Association, Inc.

    South Carolina
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 10/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $1,500
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy10
    Architectural Control45
    Governance/Amendment Flexibility45
    Due Process55
    Transparency/Access100
    HOA Score
    5
    out of 100
    #14

    Sea Pines CSA

    South Carolina
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 10/100
    • Architectural Control: 37/100
    • Financial & Enforcement Power: 0/100
    • Governance & Amendment Flexibility: 35/100
    • Contains potentially illegal clauses
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy10
    Governance/Amendment Flexibility35
    Architectural Control37
    Due Process75
    Transparency/Access100
    HOA Score
    6
    out of 100
    #15

    Coronado Cays Homeowners Association

    California
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Architectural Control: 37/100
    • Financial & Enforcement Power: 0/100
    • Governance & Amendment Flexibility: 30/100
    • Board can change rules without homeowner vote
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power0
    Governance/Amendment Flexibility30
    Architectural Control37
    Due Process70
    Transparency/Access100
    HOA Score
    6
    out of 100
    #16

    Clearwood Community Association Inc.

    California
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 30/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy30
    Governance/Amendment Flexibility50
    Architectural Control53
    Due Process95
    Transparency/Access100
    HOA Score
    6
    out of 100
    #17

    TREASURE TROVE HOMEOWNERS ASSOCIATION, INC.

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 30/100
    • Architectural Control: 29/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $5,000
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Architectural Control29
    Personal Autonomy30
    Due Process75
    Governance/Amendment Flexibility75
    Transparency/Access100
    HOA Score
    6
    out of 100
    #18

    OAK HAMMOCK HOMEOWNERS' ASSOCIATION, INC.

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 0/100
    • Financial & Enforcement Power: 1/100
    • Contains potentially illegal clauses
    Category Breakdown:
    Property Rights/Use0
    Personal Autonomy0
    Financial/Enforcement Power1
    Architectural Control61
    Due Process75
    Governance/Amendment Flexibility75
    Transparency/Access100
    HOA Score
    7
    out of 100
    #19

    Galt's Landing

    Florida
    Why They Made The List:
    • Property Rights & Use: 0/100
    • Personal Autonomy: 20/100
    • Financial & Enforcement Power: 0/100
    • Fines up to $10,000
    Category Breakdown:
    Property Rights/Use0
    Financial/Enforcement Power0
    Personal Autonomy20
    Architectural Control53
    Governance/Amendment Flexibility75
    Due Process90
    Transparency/Access100
    HOA Score
    8
    out of 100
    #20

    The Stone Canyon Community Association Inc

    Arizona
    Why They Made The List:
    • Financial & Enforcement Power: 0/100
    • Contains potentially illegal clauses
    • Fines up to $10,000
    Category Breakdown:
    Financial/Enforcement Power0
    Personal Autonomy40
    Property Rights/Use43
    Governance/Amendment Flexibility55
    Architectural Control61
    Due Process75
    Transparency/Access100
    HOA Score
    8
    out of 100