Horseshoe Bay HOA vs POA: Essential Guide for Buyers

Thinking about a home in Horseshoe Bay and unsure how HOA and POA fees, rules, and club access all fit together? You are not alone. Many buyers see a beautiful lakeside property, then discover multiple layers of governance and dues they did not expect. This guide breaks down what matters most, from assessments and amenities to architectural review and rental rules, so you can buy with clarity and confidence. Let’s dive in.

HOA vs POA basics

What each one does

An HOA is a neighborhood association created by recorded covenants. It typically manages that subdivision’s common areas, enforces community rules, and collects assessments. In Horseshoe Bay, several phases or gated enclaves may have their own HOA.

A POA is a community‑wide association. It usually covers broader infrastructure, roads, common open space, security, and rules that apply across a larger footprint. In resort communities like Horseshoe Bay, a POA often coexists with multiple HOAs.

A private club or resort is separate. It controls golf courses, dining, fitness, pools, and similar amenities. Club access usually requires a separate membership, initiation fee, and ongoing dues.

How layers overlap

A single property can fall under a master POA and a neighborhood HOA at the same time. Each entity has its own budget, rules, and assessments. The POA might handle roads and community access points, while the HOA manages a subdivision gate or park.

Because amenities are owned by different entities, access and rules depend on who manages them. For example, a boat ramp may be POA controlled, while a neighborhood pool is HOA controlled.

What it means for you

You need to confirm all layers of governance for any home you consider. Ask what each layer controls, what the dues are, and how rules are enforced. If club amenities are important to your lifestyle, verify that club membership is separate and whether it is optional or transferable.

Assessments and fees

Regular dues and reserves

Expect recurring assessments billed monthly, quarterly, or annually. These fund operations like landscaping, common‑area utilities, signage, roads, and security. A portion of dues may support reserves for future capital needs, such as paving or major repairs. Reserve policies vary by association.

Special and transfer fees

Associations may levy special assessments for unplanned projects or shortfalls. You might also see transfer or administrative fees at closing. If a private club is involved, plan for a separate initiation fee and recurring dues that are not part of your HOA or POA assessments.

Enforcement and collections

Most associations can charge late fees and interest, record liens for unpaid amounts, and in Texas may have lien foreclosure remedies in certain situations. Review a community’s collection policy and recent enforcement activity so you understand how strictly dues are managed.

Amenities and access

POA amenities

POAs often manage community‑level assets such as lakeside access points, boat ramps, parks, trails, security, and general common‑area maintenance. Access rules are set in the governing documents and may include guest policies or peak‑season restrictions.

HOA amenities

HOAs may operate neighborhood‑specific features, such as a gated entry, a small park, or a pool reserved for that subdivision’s owners. Rules and hours will vary, so confirm details for the exact property you are considering.

Private club membership

Private club amenities like golf, spa, fitness, dining, and private pools are typically separate from the POA and HOAs. Membership often requires initiation and ongoing dues. Some properties may offer transferable memberships, but that must be spelled out in the purchase contract and club documents. Confirm whether membership is mandatory, optional, or available by separate application.

Architectural review and permits

When approval is required

Most Horseshoe Bay associations use an Architectural Review Board or Architectural Control Committee to approve exterior changes. Expect approvals for items like paint colors, roofing, additions, fencing, outbuildings, driveways, landscaping, and new construction. Build only to approved plans.

How review works

You submit plans and required documents for review. Some committees meet monthly, others review administratively. Timelines vary, so request the current guidelines and submittal checklist. Modifications without approval can trigger fines and orders to restore the property.

City and county permits

Architectural approval does not replace building permits. Depending on the lot, you may need permits from Llano County or the City of Horseshoe Bay. Confirm setbacks, septic or sewer requirements, and any floodplain considerations before you start work.

Rental and use rules

Short term rentals

Leasing policies are set by the recorded covenants and association rules. Some neighborhoods restrict short term rentals, require minimum lease terms, or mandate tenant registration. Rules vary widely by subdivision and POA, so get the written policy before you rely on rental income.

Noncompliance risks

Violations can lead to fines, suspension of amenity use, liens for unpaid costs, and escalation of collections. If you plan to rent or renovate, verify rules and enforcement procedures early so you can move forward with confidence.

Due diligence checklist

Pre-offer items

• Confirm whether the property is subject to a POA, an HOA, or both.
• Request recorded CC&Rs, bylaws, architectural guidelines, and the last 12 months of committee or board meeting minutes.
• Ask for the current assessment schedule, most recent annual budget, and financial statements.
• If available, review a reserve study or the association’s reserve funding approach.
• Verify whether a private club membership is required, optional, or transferable.
• Check which jurisdiction applies for permits and taxes, whether that is Llano County or the City of Horseshoe Bay.

During option period

• Review the resale certificate or association disclosure package, including current owner balances, any violations, and pending assessments.
• Confirm ARB approval history for prior changes. If you plan a project, submit a preliminary inquiry to learn likely requirements and timing.
• Ask about recent or upcoming special assessments and any planned capital projects.
• Review association insurance and clarify your responsibilities for insuring structures and contents.
• If renting is part of your plan, get the written rental policy and ask how it is enforced.

Contract language

• Consider an HOA or POA contingency that allows termination or a credit if documents reveal material issues, such as a pending special assessment or restrictive rental rules.
• Request the seller’s representation regarding unpaid assessments and obtain a payoff letter for closing.
• If a special assessment is pending, negotiate who pays it in the contract.

Post-closing steps

• Register with the association and update your contact information.
• Apply for architectural approvals before starting any work.
• Stay current on dues, rules, and meeting notices. Attend meetings if community governance matters to you.

Budgeting tips

Plan cash flow

Treat HOA and POA dues as recurring ownership costs, just like taxes and insurance. Confirm how often dues are billed so you can plan monthly cash flow. Build a cushion for potential special assessments and administrative fees at transfer.

Second-home tips

For second‑home buyers, include seasonal maintenance, possible rental restrictions, and separate club dues in your budget. If using guest passes or peak amenities matters to you, confirm rules and booking policies in writing before you buy.

Smart next steps

Buying in Horseshoe Bay can mean navigating a master POA, a neighborhood HOA, and a separate private club, each with its own rules and costs. When you confirm who controls which amenities, what dues cover, how reviews and permits work, and whether rentals fit your plan, you protect your lifestyle and your budget. If you want tailored help comparing neighborhoods, documents, and membership options, connect with Martha Stclair for clear guidance and a confidence‑building plan.

FAQs

How do I confirm if a Horseshoe Bay home is in an HOA or POA?

• Check recorded covenants with the title company, ask the listing agent for association contacts, and review the survey or plat for references to restrictions.

Are POA and HOA the same thing in Horseshoe Bay?

• No. A POA usually covers community‑wide infrastructure and rules, while HOAs are subdivision‑level. A property can be subject to both.

How much will HOA and POA dues add to my ownership cost?

• Amounts vary by neighborhood and association. Request the current fee schedule, review recent increases, and budget for both routine dues and possible special assessments.

Can the association block my exterior renovation plans?

• Yes. Most associations require architectural approval for exterior changes. Review ARB guidelines and timelines, and seek feedback before you buy if your plan is critical.

Can I short‑term rent a home in Horseshoe Bay?

• Rental rules are set by the recorded covenants and policies for each subdivision or POA. Confirm minimum lease terms, registration rules, and enforcement procedures in writing.

What happens if I do not pay my assessments?

• Associations can charge late fees and interest, record liens, and in Texas may pursue foreclosure of a lien under certain conditions. Review the community’s enforcement policy before you purchase.