Not a home owner's association per se, but a water district that supplies water to the gated community our cabin resides. Annual fee mimics your property tax each year. In return the district supplies water to all lake cabins and hydrants, gate security, mows the common areas, rakes the beaches, garbage pickup, and monitors lake levels at the dam. No over the top regulations, but rules regarding cabin minimum size and what you can build on your lot. Can't park a 5th wheel and live out of it long term.

I like it, Keeps the riff raff out.

Last fall 60-70 percent of the lake cabins burned to the ground in a forest fire. The board of the water district is understandably overwhelmed right now.