We Universally Refer To Where We Live As Our "Home."

This is true regardless if we are renting an apartment, a house, a condo, or a condo-like property, or we bought a place to live in using a mortgage loan or we were truly fortunate and we were able to use only our own savings and/or gifts from others to pay cash for our home. 

In reality though our "home" could be a single family detached structure called a House, or a Zero Lot Line Home. It could also be a structure that's abutting to one or more neighboring structures that could be called a Townhouse/Row House, a Patio Home, a Duplex/Triplex or even a Quadraplex etc. The home could also literally share one or more common walls with neighbors. These types of properties include Townhomes, Apartment Flats and even Lofts also known as Converted Warehouse Lofts. There are of course many advantages and disadvantages to each of these different types of homes that reflect the location, size, initial and ongoing costs, privacy, owner's responsibility and more!

Trying to figure out which Property Type is best for you, and your desired lifestyle though, may be as simple as looking first at who owns the land itself. This single item impacts the freedoms you have over how you use the property as well determines what you, as the owner vs the Homeowner Association ("HOA",) is responsible for addressing and paying for in thw way of repairs & maintenance.

Still, as you might expect, the more you own, vs what an HOA owns, directly correlates to the more you as an owner is responsible for which directly influences the amount of any HOA fees associated with the property. 

  • Still, regardless of the type of home, most properties have similar maintenance and repair costs over time!

    This is why in spite of the myth...
    HOA Fees Do NOT Make Condos More Expensive To Own

Where You
DO NOT OWN
The Land


  • TOWNHOME
    CONDOMINIUMS
    MultiLevel With Doors To Outside
    Or To A Hallway
  • CONDOMINIUM
    FLATS/APARTMENTS
    Single Level With
    Doors Typically To Hallway
  • CONVERTED LOFTS
    CONDOMINIUMS
    1-2 Levels With
    Tall Ceilings & Walls Of Windows

Where You
DO OWN
The Land


    • SINGLE-FAMILY
      HOUSES
      Responsible For All
      Exterior House, Landscape & Drive
    • ZERO-LOT-LINE
      HOUSES
      Responsible For The
      House Exterior, HOA Takes Cares Of Rest
    • DUPLEX, TRIPLEX,
      QUADRAPLEX ETC.
      1-4 Places With Two
      Levels & ''Party Walls'' Or An HOA
  • PATIO
    HOMES
    1-4 Places With One
    Level & Typically An HOA
  • TOWNHOUSE &
    ROW HOUSE
    Places Side By Side
    With ''Party Walls'' & May or May Not Have HOA