I agree Scott. The previous post states "HOA are volunteers, not for profit, not incorporated, not paid, etc." Except for the incorporated part the same thing can be said for a city. Our HOA is actually starting steps to become incorporated but that's not our issue here. You are totally correct to say a HOA is a level of government. I wonder if the original poster will return to answer the question of lkae ownership, that is key. In every lake HOA I have encountered the HOA owns all the way around the lake, lakelocked I guess is a term. Some folks own to the water line, others 50' of common property geenway and many just have a view but all are governed bythe Board of Directors of the HOA, POA in my case.
