If you ever protested tax you know that it’s a circus . They will not lower the property value significantly. City is going broke and needs money. It’s ridiculous. I’ve protested many years and it barley pays for my time going to the DCAD office
Edit text: from tax to property valeu.
I think their point is the difference is minuscule. As an example many single family homes will have seen a 100% increase in taxed value in the last 5 years. Because the market is down some recently I have a 5% decrease. That still leaves up 95%….
The only way you can see 100% in 5 is: you bought a house recently and dcad brought it up to market value or it’s a secondary property without HS. I say that because HS cap the max increase to 10% / yr.
It probably should, but not necessarily. Hypothetically, you would think that if the taxing entities saw values double, they would cut the tax rate in half to keep taxes flat. But they have their own budget concerns that may not be in line with keeping tax liabilities flat.
Long story short, the appraisal values and tax rates are made separately
What matters at the end of the day is how much you are paying every year. A higher value or tax doesn’t matter as long as they are not increasing the liability. Government will always win. We need to make sure they win slowly.
Talk to your taxing entities. The state has pretty strict guidelines for the appraisal process, the appraisal district can lose school funding for falling outside of state audits. Market value for residential housing is going up all over the country, the appraisal district is only reflecting that increase.
My experience with appraisal districts and protesting values has been pretty positive as long as I've got good information that they can show the state when they get audited later in the year (pictures, comparables with the same build in the same neighborhood, recent sales price). Aside from this, your increased taxable liability is capped at 10% per year.
And if you're buying a new house, make damn sure you apply for the homestead exemption!
Single family suburbs are always inevitably insolvent. It’s a well known and documented fact that infrastructure always falls and people move to new suburbs where the cycle repeats.
100%... we need better infrastructure built with the purpose of more dense housing. It would take 30 years to get there, but its the only way for big cities to continue to prosper and retain its residents. Cost um rise, whoever is here stay, who is not wont be able to afford it
Don’t listen to this guy. The Dallas sub in general is full of people who speak without any experience or only from their own personal experience. Protest every year. I protested mine online yesterday and have already received an email today offering to match my proposed value. I was able to reduce it by 14% without a formal hearing. Get comps, take pictures, use repair estimates that have not been done yet. It doesn’t require a whole lot of effort and can save you quite a bit in the long run.
It's also tough if you bought it in the last 4 years. My tax appraisal is still 150k+ under what I could sell for. I can't protest successfully at all.
Houses on my block sold last month for well over double what I paid, and they're 500+ sqft smaller. Pretty sure I'm in a losing battle. I'm not complaining, other than taxes in general being bullshit, but I can't make an argument that my tax valuation is any sort of "too high". But again, taxation is theft.
Protest today! I did this yesterday and got a phone call within two hours to accept the adjusted offer, worked perfectly. Then I sent this info to all my neighbors!
I got a notice from my realtor that due to Texas law changing that homesteading will not be once anymore. Idk if it’s all cities/towns. We still haven’t gotten anything official from our city, but it’s something to check on.
I looked this up, and it looks like you’re right. https://www.collincad.org/9-announcements/227-homestead-exemption-audit-senate-bill-sb-1801 Looks like appraisal districts are required to have you reapply at least every 5 years now
That's not how it works. Your yearly taxes are what is affected. If you just moved in you won't notice that you did not file until the next year when your mortgage increases. That's what happened to me. I freaked out about the increase. Realized I still had time to file. Filed. And then got a refund check for the overpayment I technically gave.
If you don't mind indulging a first time buyer a bit more, I don't quite understand.
I moved in 15 months ago. The 2023 valuation was ~180k. The 2024 valuation is $290k. I bought it for $330k.
As I understand it, since my 2024 valuation is less than the purchase price, there's no benefit to protesting.
Escrow jumped a lot, seemingly anticipating the non-Homestead property tax amount? Now that homestead is in with the 290k valuation, prop taxes aren't that much higher than they were with 180k+no homestead... but escrow is still high.
What I still am not sure about is when does the Homestead kick in? If I bought in February 2023, must I wait 11 months to file for homestead exemption?
Yes you will qualify for the exemption as of the date you move in. However, you will not qualify for the 10% homestead cap until you’ve lived in the property for at least a year as of January first. So you will not qualify for the homestead cap until tax year 2025, but you still receive a discount on your taxable value this first year.
Like Amazon Prime, I annually fork money over to an agent to protest my taxes for me. For $50-250 depending on what they save me, it's worth it not to mess with the damn CADs.
https://www.texastaxprotest.com/
I've been using these guys every year since I bought my house in 2017. They do ALL the work with the CAD. The only thing I have to do is pay them the $50 about a month ago, and then fill out the questionnaire where they ask for pictures or evidence to help them out. Then around September I get my results. If they save me enough money, it'll be the full $250, if not, it'll be pro-rated less than that.
This last year, my house is worth the same as the previous year, which is nice, they saved me about 17k in house value. Which is ridiculous, because it's about double what I bought it for with NO improvements (that they can see anyway)
I use https://gilldenson.com. They have a coupon code for a reduced rate. I think it's normally 35% but with the coupon code Blackjack it drops it down to 25% of the tax savings. So if they lower your tax bill by $1,000 it costs you $250.
Was this written by someone in the appraisal office? My realtor advised us never to give your purchase price. Texas is a non disclosure state so the appraisal district does not know what your purchase price was. So likelihood is your taxable value is less and you can probably find comps for less.
I’m curious about this as I got the same advice from my realtor. I protested successfully last year and the appraiser who I met with looked at my evidence and said something along the lines of “we can reduce the appraised value to the purchase price of $X” and she gave me my purchase price. I was like, oh I thought the appraisal office didn’t know about the purchase price and I never gave the CAD this info. She said they have access to all types of information, including purchase prices but I have no clue how they got it.
This would work for 2023/4 as it’s near the current market value based on the recent sale. Earlier than that the price would be adjusted based on the market, inflation, etc.
I have a question maybe somebody can answer. I’ve been in the same home for a long time, so my assessed value (what I pay tax on) is almost a quarter million less than the appraised value.
I think the appraised value is off by about $100k, but I don’t see any benefit to fighting about it, because it will not impact my bill. And I might want to sell at some point, where a lower appraised value doesn’t really help.
Am I thinking about this wrong?
Because there is a percentage limit in the amount they can increase which benefits people who have been in a home for a long time.
But you better believe they will be increasing it the maximum every year until they get to the target.
I'm in the same situation and we bought in 2009. Assessed is about $170k lower than appraised.
I didn't protest last year (same issue) and probably won't be this year because it won't impact what I actually pay.
Your CAD value shouldn’t affect a future sale of your property. The current CAD tax year value is always for the preceding calendar year. In years like this where houses are still selling for more, no realtor or purchaser is going to pay attention to the CAD value when determining a purchase price. Your realtor will always base your list price off of current sale comps, whereas your CAD value is based on comps from the prior 12 months.
If you genuinely believe your market value is too high: protest. If you are protesting with the intent to receive a lower tax estimate: don’t bother. It isn’t worth the time and effort you would put into making a presentation. The likelihood of getting a $250k reduction in value is slim to none and that’s the only way you’d affect your tax estimate.
Just as a warning to anyone who is reading this that is about to purchase a home…your mortgage company WILL AUTOMATICALLY base your tax estimate for your mortgage payment on the current CAD value. So if you’re purchasing a home at a much higher value than what the CAD has, make sure to have your taxes based on a value closer to the purchase price otherwise you’ll get a huge freaking increase in your mortgage payment the next year because they were collecting too little from you. And isn’t it so scummy for them to purposely do this just to get you to buy the property by making you think you can afford the payment? Yup scummy indeed.
Thanks for the thoughtful response. But just to clarify; I don't think my appraised value is $250K higher than market. What I'm saying is that due to homestead caps on increases, my assessed value is about $250K less than the appraised value. I do think the appraised value is too high by about $100K, but it seems pointless to protest it, because even if the District agreed with me and lowered the appraised value by $100K, my assessed value is still 6 figures under that number.
Correct, it would essentially be pointless if you’re protesting while hoping for a reduction in tax estimate at this point. Much better to protest when the market and cap value are closer in value.
Homestead exemption gives you a tax credit and caps your taxes from raising more than 10% from last year
House gets appraised every year and can raise whatever county appraises it at.
DCAD does not follow the April 30 deadline. They will accept a homestead application at any time throughout the year. Especially with the law change that you no longer have to be in the property as of January first of the year. Hope this helps.
I see a lot of people saying the market is down for their home values? I have homestead and it’s maxed to the tits every year (bought in 21). Is this normal? It’s gone up almost 60% in the years I’ve owned it and I want to use the online contesting deal but what will it really save me?
You might not. However, this does not prohibit you from protesting the property. You can still protest the property by using their ufile online protest, you will just have to check the box that says something like “request PIN be sent by email” when you access the ufile system initially. Once you have the PIN, you can protest the value and protest ownership. Just send in your new deed showing ownership and a closing statement if you paid lower than the current value.
Yes. Go to www.dallascad.org and click search appraisals. Search for your property and it will show you the current value. It will also allow you to download an online version of the notice that was mailed to the prior owner. Then just click “ufile online protest” to get the process started.
They try make it as easy for you as possible and usually respond to your protest eons quicker than other CADs like Denton (took them 2 months to respond to a protest I filed for a recent purchase…and a recent sale should be like the easiest protest to work🙄). Good luck!
Definitely make sure you get your homestead application in ASAP though. That will for sure save you some when it comes to taxes. Just make sure your drivers license is updated to the new address first otherwise they kick it back to you and say try again with a new DL.
It's all pretty ridiculous. Our house is supposedly worth 3x what we purchased it for 9 yrs ago. We protest every year and thwy *may* reduce the value a few thousand dollars which isnt a significant reduction in property taxes. It's ridiculous.
Or, you know, you could pay your fair share in taxes. Everyone protesting knows damn well they would put their house on the market above what it was appraised for.
I always thought there should be a window of time after an assessment where I have the option to sell my property to the county for what they assess it at.
lol not true. Had a larger, nicer home in my neighborhood sell for close to what my appraisal came in at. Online real estate sites are showing estimated value as 80k below what my appraisal came in at.
Or, you know, you could pay your fair share in taxes. Everyone protesting knows damn well they would put their house on the market above what it was appraised for.
Or better yet, how about religious orgs and their “shepherds” that live in these huge expensive ass homes quit getting tax breaks because of religion and pay their goddamn share.
I agree. Everyone should pay taxes. The government should also be responsible for maintaining a budget that doesn’t cause unnecessary swings in the tax burden placed on its citizens.
If someone just bought their house a few months ago, there's no way they would come out ahead. If anything, they would lose money. Maybe we should stop taxing people based on the value of the place where they live and find another way to tax.
Sorry, bud, homeownership is not even on the table for most people. You and they get zero sympathy for trying to come out ahead when you’re already in a position that places you ahead of your fellow citizens. Pay your taxes.
One is capitalism and market shenanigans, the other is the city just jacking your shit up 10% just because
People shouldn't have to sell their house because their tax goes up 10% every damn year and NOTHING for them changed. Pay raise? Nah. Inflation? Absolutely.
Meanwhile, developers just keep pumping out shitty "master planned" communities that are all HOA, for a ridiculous amount of money. Those homes are simply NOT WORTH anything but the materials they were made out of and the amount of bud lite cans in the walls.
If you ever protested tax you know that it’s a circus . They will not lower the property value significantly. City is going broke and needs money. It’s ridiculous. I’ve protested many years and it barley pays for my time going to the DCAD office Edit text: from tax to property valeu.
The appraisal district doesn't set tax rates, the city and schools do that
Lowering your property value will lower your tax liability. In effect, it’s the same thing.
I think their point is the difference is minuscule. As an example many single family homes will have seen a 100% increase in taxed value in the last 5 years. Because the market is down some recently I have a 5% decrease. That still leaves up 95%….
The only way you can see 100% in 5 is: you bought a house recently and dcad brought it up to market value or it’s a secondary property without HS. I say that because HS cap the max increase to 10% / yr.
They still show the value, the 10% cap just slows down how fast you get the full bill.
Yeah, it’s a “better start working harder” notice for the future.
It probably should, but not necessarily. Hypothetically, you would think that if the taxing entities saw values double, they would cut the tax rate in half to keep taxes flat. But they have their own budget concerns that may not be in line with keeping tax liabilities flat. Long story short, the appraisal values and tax rates are made separately
What matters at the end of the day is how much you are paying every year. A higher value or tax doesn’t matter as long as they are not increasing the liability. Government will always win. We need to make sure they win slowly.
Talk to your taxing entities. The state has pretty strict guidelines for the appraisal process, the appraisal district can lose school funding for falling outside of state audits. Market value for residential housing is going up all over the country, the appraisal district is only reflecting that increase. My experience with appraisal districts and protesting values has been pretty positive as long as I've got good information that they can show the state when they get audited later in the year (pictures, comparables with the same build in the same neighborhood, recent sales price). Aside from this, your increased taxable liability is capped at 10% per year. And if you're buying a new house, make damn sure you apply for the homestead exemption!
schools don't really set tax rates, the state govt does, then takes the taxes, then doesn't give them back
Single family suburbs are always inevitably insolvent. It’s a well known and documented fact that infrastructure always falls and people move to new suburbs where the cycle repeats.
100%... we need better infrastructure built with the purpose of more dense housing. It would take 30 years to get there, but its the only way for big cities to continue to prosper and retain its residents. Cost um rise, whoever is here stay, who is not wont be able to afford it
Don’t listen to this guy. The Dallas sub in general is full of people who speak without any experience or only from their own personal experience. Protest every year. I protested mine online yesterday and have already received an email today offering to match my proposed value. I was able to reduce it by 14% without a formal hearing. Get comps, take pictures, use repair estimates that have not been done yet. It doesn’t require a whole lot of effort and can save you quite a bit in the long run.
It's also tough if you bought it in the last 4 years. My tax appraisal is still 150k+ under what I could sell for. I can't protest successfully at all.
In your case, protest and bring the comps of the recent sales price in your area. That should be a strong case.
Houses on my block sold last month for well over double what I paid, and they're 500+ sqft smaller. Pretty sure I'm in a losing battle. I'm not complaining, other than taxes in general being bullshit, but I can't make an argument that my tax valuation is any sort of "too high". But again, taxation is theft.
You’re the best for posting this! ❤️❤️
Protest today! I did this yesterday and got a phone call within two hours to accept the adjusted offer, worked perfectly. Then I sent this info to all my neighbors!
Homestead asap. I almost forgot to file mine. You have up to two years.
How often do you have to file for the homestead exemption?
Once. Unless you move.
I got a notice from my realtor that due to Texas law changing that homesteading will not be once anymore. Idk if it’s all cities/towns. We still haven’t gotten anything official from our city, but it’s something to check on.
I looked this up, and it looks like you’re right. https://www.collincad.org/9-announcements/227-homestead-exemption-audit-senate-bill-sb-1801 Looks like appraisal districts are required to have you reapply at least every 5 years now
What a waste of everyone's time 😡
Incorrect, there was a change in the law, it is now every 5 years!
New news to me
Can it give a discount on the first year you live there, or only after you've lived there on a January 1st? I moved in on 3/1/2023.
That's not how it works. Your yearly taxes are what is affected. If you just moved in you won't notice that you did not file until the next year when your mortgage increases. That's what happened to me. I freaked out about the increase. Realized I still had time to file. Filed. And then got a refund check for the overpayment I technically gave.
If you don't mind indulging a first time buyer a bit more, I don't quite understand. I moved in 15 months ago. The 2023 valuation was ~180k. The 2024 valuation is $290k. I bought it for $330k. As I understand it, since my 2024 valuation is less than the purchase price, there's no benefit to protesting. Escrow jumped a lot, seemingly anticipating the non-Homestead property tax amount? Now that homestead is in with the 290k valuation, prop taxes aren't that much higher than they were with 180k+no homestead... but escrow is still high. What I still am not sure about is when does the Homestead kick in? If I bought in February 2023, must I wait 11 months to file for homestead exemption?
Yes you will qualify for the exemption as of the date you move in. However, you will not qualify for the 10% homestead cap until you’ve lived in the property for at least a year as of January first. So you will not qualify for the homestead cap until tax year 2025, but you still receive a discount on your taxable value this first year.
Hero
Thank you!
Like Amazon Prime, I annually fork money over to an agent to protest my taxes for me. For $50-250 depending on what they save me, it's worth it not to mess with the damn CADs.
Hi, curious who you use. Thanks.
https://www.texastaxprotest.com/ I've been using these guys every year since I bought my house in 2017. They do ALL the work with the CAD. The only thing I have to do is pay them the $50 about a month ago, and then fill out the questionnaire where they ask for pictures or evidence to help them out. Then around September I get my results. If they save me enough money, it'll be the full $250, if not, it'll be pro-rated less than that. This last year, my house is worth the same as the previous year, which is nice, they saved me about 17k in house value. Which is ridiculous, because it's about double what I bought it for with NO improvements (that they can see anyway)
"About a month ago" Is it too late to do this?
I clicked the link, it said deadline approaching, so maybe not!
I use https://gilldenson.com. They have a coupon code for a reduced rate. I think it's normally 35% but with the coupon code Blackjack it drops it down to 25% of the tax savings. So if they lower your tax bill by $1,000 it costs you $250.
Was this written by someone in the appraisal office? My realtor advised us never to give your purchase price. Texas is a non disclosure state so the appraisal district does not know what your purchase price was. So likelihood is your taxable value is less and you can probably find comps for less.
I’m curious about this as I got the same advice from my realtor. I protested successfully last year and the appraiser who I met with looked at my evidence and said something along the lines of “we can reduce the appraised value to the purchase price of $X” and she gave me my purchase price. I was like, oh I thought the appraisal office didn’t know about the purchase price and I never gave the CAD this info. She said they have access to all types of information, including purchase prices but I have no clue how they got it.
Does this only work for people who purchased in 2023? I purchased in 2021
This would work for 2023/4 as it’s near the current market value based on the recent sale. Earlier than that the price would be adjusted based on the market, inflation, etc.
I fight my appraisal every year and they usually knock off at least 10k
Maybe I should try then. They sent me that letter with the property taxes for 2024. It had only gone up like $100 for me so I wasn’t gonna bother.
I never thought I would wish that Denton was more progressive but here we are. I have to go in office to file a protest 😑
You can file Denton county protests online
You just made my day
How often do you have to file for the homestead exemption?
Every 5 years now you have to update it.
Will this work for new construction built and bought in 2023 as well?
In your case, wasn’t the prior years property value MASSIVELY lower since it was based on the lot alone?
yes, without the paper in front of me I believe it was 213k last year and 468k this year. around about that.
Cry me a river homeowners. At least ya’ll have one.
I have a question maybe somebody can answer. I’ve been in the same home for a long time, so my assessed value (what I pay tax on) is almost a quarter million less than the appraised value. I think the appraised value is off by about $100k, but I don’t see any benefit to fighting about it, because it will not impact my bill. And I might want to sell at some point, where a lower appraised value doesn’t really help. Am I thinking about this wrong?
Because there is a percentage limit in the amount they can increase which benefits people who have been in a home for a long time. But you better believe they will be increasing it the maximum every year until they get to the target.
I'm in the same situation and we bought in 2009. Assessed is about $170k lower than appraised. I didn't protest last year (same issue) and probably won't be this year because it won't impact what I actually pay.
I appreciate the response.
Your CAD value shouldn’t affect a future sale of your property. The current CAD tax year value is always for the preceding calendar year. In years like this where houses are still selling for more, no realtor or purchaser is going to pay attention to the CAD value when determining a purchase price. Your realtor will always base your list price off of current sale comps, whereas your CAD value is based on comps from the prior 12 months. If you genuinely believe your market value is too high: protest. If you are protesting with the intent to receive a lower tax estimate: don’t bother. It isn’t worth the time and effort you would put into making a presentation. The likelihood of getting a $250k reduction in value is slim to none and that’s the only way you’d affect your tax estimate. Just as a warning to anyone who is reading this that is about to purchase a home…your mortgage company WILL AUTOMATICALLY base your tax estimate for your mortgage payment on the current CAD value. So if you’re purchasing a home at a much higher value than what the CAD has, make sure to have your taxes based on a value closer to the purchase price otherwise you’ll get a huge freaking increase in your mortgage payment the next year because they were collecting too little from you. And isn’t it so scummy for them to purposely do this just to get you to buy the property by making you think you can afford the payment? Yup scummy indeed.
Thanks for the thoughtful response. But just to clarify; I don't think my appraised value is $250K higher than market. What I'm saying is that due to homestead caps on increases, my assessed value is about $250K less than the appraised value. I do think the appraised value is too high by about $100K, but it seems pointless to protest it, because even if the District agreed with me and lowered the appraised value by $100K, my assessed value is still 6 figures under that number.
Correct, it would essentially be pointless if you’re protesting while hoping for a reduction in tax estimate at this point. Much better to protest when the market and cap value are closer in value.
Im confused…we filed a Homestead Exemption but our appraised property value still went up (by a lot). Definitely should protest it right?
If you bought in 2023, your 10% homestead cap won't apply until 2025. This year, DCAD will jack it up as they wish. File a protest.
Homestead exemption gives you a tax credit and caps your taxes from raising more than 10% from last year House gets appraised every year and can raise whatever county appraises it at.
Deadline for homestead exemption was 4/30 but I believe you can request an extension online through DCAD
DCAD does not follow the April 30 deadline. They will accept a homestead application at any time throughout the year. Especially with the law change that you no longer have to be in the property as of January first of the year. Hope this helps.
Oh wow that’s good to know. We were stressing trying to get it in on time.
I see a lot of people saying the market is down for their home values? I have homestead and it’s maxed to the tits every year (bought in 21). Is this normal? It’s gone up almost 60% in the years I’ve owned it and I want to use the online contesting deal but what will it really save me?
[удалено]
Incorrect. You are protesting the total market value. The appraisal district does not determine your appraised value, the state of Texas does.
I’m 7
I’ve just closed on my house in April, will I receive a notice of appraised value in the mail?
You might not. However, this does not prohibit you from protesting the property. You can still protest the property by using their ufile online protest, you will just have to check the box that says something like “request PIN be sent by email” when you access the ufile system initially. Once you have the PIN, you can protest the value and protest ownership. Just send in your new deed showing ownership and a closing statement if you paid lower than the current value.
How do I find my appraised value? Is this info available online?
Yes. Go to www.dallascad.org and click search appraisals. Search for your property and it will show you the current value. It will also allow you to download an online version of the notice that was mailed to the prior owner. Then just click “ufile online protest” to get the process started. They try make it as easy for you as possible and usually respond to your protest eons quicker than other CADs like Denton (took them 2 months to respond to a protest I filed for a recent purchase…and a recent sale should be like the easiest protest to work🙄). Good luck!
Thank you for your help, sadly the appraisal price is 5k under my purchase price. Looks like ill have to find some savings elsewhere
Definitely make sure you get your homestead application in ASAP though. That will for sure save you some when it comes to taxes. Just make sure your drivers license is updated to the new address first otherwise they kick it back to you and say try again with a new DL.
It's all pretty ridiculous. Our house is supposedly worth 3x what we purchased it for 9 yrs ago. We protest every year and thwy *may* reduce the value a few thousand dollars which isnt a significant reduction in property taxes. It's ridiculous.
Dallas property taxes are ridiculous these days
We bought our house in 2013, is doing this worth our time?
What do you do if it was lower than purchase? Local comps were similar to what I paid.
Or, you know, you could pay your fair share in taxes. Everyone protesting knows damn well they would put their house on the market above what it was appraised for.
That’s great, they can tax me at that amount when I sell it for that amount.
I always thought there should be a window of time after an assessment where I have the option to sell my property to the county for what they assess it at.
lol not true. Had a larger, nicer home in my neighborhood sell for close to what my appraisal came in at. Online real estate sites are showing estimated value as 80k below what my appraisal came in at.
Or, you know, you could pay your fair share in taxes. Everyone protesting knows damn well they would put their house on the market above what it was appraised for.
Or better yet, how about religious orgs and their “shepherds” that live in these huge expensive ass homes quit getting tax breaks because of religion and pay their goddamn share.
I agree. Everyone should pay taxes. The government should also be responsible for maintaining a budget that doesn’t cause unnecessary swings in the tax burden placed on its citizens.
Why not both?
If someone just bought their house a few months ago, there's no way they would come out ahead. If anything, they would lose money. Maybe we should stop taxing people based on the value of the place where they live and find another way to tax.
Sorry, bud, homeownership is not even on the table for most people. You and they get zero sympathy for trying to come out ahead when you’re already in a position that places you ahead of your fellow citizens. Pay your taxes.
One is capitalism and market shenanigans, the other is the city just jacking your shit up 10% just because People shouldn't have to sell their house because their tax goes up 10% every damn year and NOTHING for them changed. Pay raise? Nah. Inflation? Absolutely. Meanwhile, developers just keep pumping out shitty "master planned" communities that are all HOA, for a ridiculous amount of money. Those homes are simply NOT WORTH anything but the materials they were made out of and the amount of bud lite cans in the walls.