Every sub-division around me lake front property is HOA except mine....been living here for 30 years been trying to make everyone join its not going to happen as long as I live hear ...to change they would need 100% of home owner would need to join.....they have a HOA its only a name and try to force people that move into the area to join by having the selling agent give them the paperwork to sign.....most people that live in the area do so for less than 5 years or when ever the economy makes a turn and they sell and get out....