Almost every condo on South Padre Island, and many homes in Port Isabel and Laguna Vista, belong to a homeowners or condominium association. The HOA can shape your monthly costs, how you use the property, and whether you can rent it out, so it deserves as much attention as the property itself.

What to look at before you make an offer

  • Dues and what they cover. On the island, dues may cover building insurance, exterior maintenance, pools, elevators, security and some utilities. Two condos with similar dues can include very different things.
  • Reserves and special assessments. Coastal buildings face salt air, wind and sun. Ask how well-funded the reserves are and whether any assessments are planned or under discussion.
  • Rental rules. If you plan to rent short-term, confirm the association allows it, along with any minimum stays, registration or management requirements. The city has its own requirements too.
  • Pets, parking and storage. These rules vary widely from building to building.
  • Insurance. Find out what the association's policy covers and what you'll need to insure yourself.

The resale certificate

In a Texas resale, the buyer typically receives a resale certificate from the association along with its governing documents. It shows the current dues, any amounts owed, and other information about the association. Read it carefully, and ask your agent which deadlines in your contract apply to reviewing it.

A helpful guide from Texas REALTORS

Texas REALTORS publishes a consumer guide to buying in a property owners association. Read the Texas REALTORS HOA guide (PDF).

Get help comparing buildings

Lauren Hable helps buyers compare HOA dues, rules and building finances across South Padre Island, Port Isabel and Laguna Vista before they commit. See current listings on the South Padre Island homes and condos for sale page, or call or text Lauren at (903) 879-2770.