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The Difference Between a Civic Association and a Homeowners Association

Laura Schwartz is a licensed Realtor in VA, D.C. and MD with McEnearney Associates in McLean. Reach the office at 703-790-9090.

McLean and Vienna are not HOA heavy areas, in my opinion, as compared to areas out in Loudoun County.

We have a short list of neighborhoods that have mandatory participation, which is the main difference between a civic association and an HOA. An HOA has a mandatory fee you have to pay if you buy a property within that area, which also means you have to obey the rules and regulations of that neighborhood. A civic association may also have a fee, but it’s strictly optional if you want to participate, and usually it’s very small.

Now some people like the rules of an HOA so they can keep the neighborhood looking “clean,” for example if a neighbor’s lawn gets too long, or there’s a bunch of trash/old cars in a yard. However, the downsides to an HOA are that any changes you want to make on the outside require approval (usually). Adding a shed, renovations, a pool, etc. all require review and approval. With a civic association, you can usually do whatever you want and only have to adhere to Fairfax County regulations.

The other big thing to know is that when you’re buying or selling homes within an HOA community, the seller is required to provide a copy of all of the bylaws, budget, meeting notes, etc. to a purchaser who has a 3 day review period, during which they can void for any reason.

Want chickens and the HOA documents say no? Void the contract without a penalty. A civic association is not subject to this 3 day period since participation is optional. However, it still might be nice to know what the civic association does. It might give insight into neighborhood parties, events, resources, etc.

Some example of civic associations are:

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