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Condo or House?

EagerBeaver

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Thor Jr.,

As a new condo owner it's important to read and digest the condo by laws and also attend some condo board meetings, to find out what you can and cannot do. Attending board meetings will give you an idea of what kinds of issues are arising and how the board is dealing with them. Some of my neighbors have gotten permission to put small gardens in the ground. I have in past years grown tomatoes, and herbs like basil and parsley on my deck. I got permission to run a water pipe to my deck and install a spigot so I can water the plants. In the past few years I stopped growing tomatoes because I live in a wooded area and developed a nemesis, a kamikaze, dive bombing Cardinal which would use its beak to to knock the tomatoes off the vines and then eat them. I initially thwarted him with a bird net over the plants, but this proved to be too laborious, and I gave up.

I have a landscaped area for plants in the front of my condo and every year I plant annuals like Blue Salvia and Verbena and Lantana, all sun plants because the area gets a lot of sun. I also have perennials like hasta, and rhododendron. There is a family of deer that lives in the woods behind my condo and my neighbor feeds them chopped apples and other things to the point where they eat out of her hand, and this is cute, but the down side is that the deer are attracted to my area and have eaten my hasta and this year a potted Coleus on my front stoop, which they had never before before eaten. This really annoyed me. I can't send my neighbor the bill, but I probably should.

Another issue is parking and guest parking. We get a garage, the space in front of the garage, and a guest space adjacent to the space in front of the garage. I read the by laws and it's very clear we have that guest space available for parking. Last summer, I noticed an old model Honda Accord in my guest space. My deer-feeding neighbor approached me and asked whose car it was because it had also been parked in her guest space. I told her I had no idea. A few days later my neighbor knocked on my door and told me the identity of the parking spot thief. It was another, new neighbor a few units down. I then went down and knocked on her door. It was an older woman of about 60 I never met before. I told her she was parked in my spot and she had to move her car. She then claimed one of the board members told her she could park her extra cars wherever she wanted, so long as it was not blocking my garage. I told her she really needed to read the by laws because we get the garage and the space next to the space in front of the garage as a space for our guests. I also told her that her car had been there for a week without being moved, and that before my neighbor told me it was hers, I had assumed it was an abandoned vehicle and was going to call the police because I did not want some car abandoned in a possible criminal enterprise in front of my condo. This statement greatly upset her for some reason. She then told me she would look at the bylaws and take it up with the Condo Association, but she moved the car after our conversation. I have not seen that car in my spot again. There have been other parking issues and disputes involving other neighbors.

We also had an issue one year with fire pits. They are not allowed on the common grounds. One year some kids thought it would be a good idea to start a fire pit in the common areas as part of a party they were having in one of the units. I later learned my neighbor two units down let his nephew use the unit while he was out of town for the weekend. The kid proceeded to plan a party, started the fire pit and other neighbors called the cops. That being said, I was thinking of asking the condo board for permission to do a fire pit in the area between my deck and the woods. They will probably say no, but nothing ventured, nothing gained.

From attending board meetings I would say the main issues that come up are building repair and maintenance, parking, dogs, noise complaints, common grounds usage, and landscaping and tree cutting issues. There was also a funny issue one year when a neighbor’s teenage kid, who had been skinny dipping in the pool one night with his girlfriend, then was caught red handed by a board member having sex with the girlfriend in the clubhouse men’s room shower. The kid thought it was cheaper than a hotel since both he and the GF lived with their parents.
 

Fradi

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I have owned condos, and found them great for a vacation property (Florida) but I much prefer to live in a house.

There aren’t a couple of hundred nosy neighbours, you don’t have to attend meetings, you are the one that gets to decide what you want not a condo committee.
You don’t share walls with people blasting their sound system, or yelling and screaming at each other.
Condo fees are a nuisance and eventually get out of control.

There is nothing like having your own back yard and doing whatever you like, that is priceless.
There is of course much more work involved in maintaining a house, garden snow etc... but well worth it, for now I have no problem doing it, and if later it gets to be a burden then I will just have to outsource.
 

EagerBeaver

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Fradi,

Thor Jr. has made his choice and he bought a condo. What he could use at this point is feedback from you as a condo owner rather than further debate on condo vs. house.
 

Fradi

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Fradi,

Thor Jr. has made his choice and he bought a condo. What he could use at this point is feedback from you as a condo owner rather than further debate on condo vs. house.


You are right EB I lost track that he asked this to determine what he would by ( it is now a done deal) and thought it was just a question which would you rather have.

Basically my advice is no different than yours, make sure you attend all meetings and if you have the patience and don’t get offended easily then try and get on the condo committee then at least you can have a say in what goes on around you.
There is absolutely nothing wrong with living in a condo, especially if you are single and not into gardening and not very handy in doing your own reparations or if your time is extremely limited and valuable.
 

Thor Jr

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Ok, i love hearing from you guys who actually know the ins and outs of condo living. EB, you have opened my eyes to a few things and i am going to go to meetings. I have sent emails to the board about things in the building even though i have lived her for a month now. The light above my storage unit was out. the back door is always ajar when i come home late at night, building is supposed to be secure. It took a month before i could buzz people in thru my phone. I f i am going to be paying a monthly fee for things around the building then i will make sure things work accordingly. Thanks for all the help, if you think of anything else, let me know. And i am very handy around the house but i am tired of fixing things, i just want to relax and enjoy the beautiful young ladies for a change.
 

EagerBeaver

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Thor Jr.,

It’s helpful to not only go to the meetings, but develop relationships with the board members by doing so. My condo association’s President is a guy I text if I have a question or some issue comes up. Although the board members and my neighbors all know I am an attorney, I try not to be adversarial with them and try to work on getting issues resolved and in most cases communication and follow ups are required. The issues you mention in the last post should be brought up at the monthly board meeting which presumably will be attended by the Property Manager. I have had a great relationship with only 1 of the 3 Property Managers we have had in the last 17 years. The first Property Manager, who lasted around 10 years, was a very competent and cooperative individual if you approached him correctly. He had no use for people who approached him in a confrontational manner as I quickly learned. We became fast friends and he attended some social functions of my firm that I invited him to. Sadly, at the end of his tenure, he lost control of his alcoholism, which previously hadn’t impacted his duties. When the board started getting unpaid bills from contractors, they quickly canned him. His successor was an equally competent man, but unfortunately his attitude was awful. I went to some meetings and he had a very hard time handling some of the more confrontational owners (we have a few residents that really get worked up). He would get very defensive and confrontational. He was on his way out after about 3 years when he suddenly died of cancer. The latest Property Manager hasn’t impressed me so far. He is younger than the other two by a lot, and his accounting or his girlfriend/office manager’s seems lousy.

Most Property Managers here are 1 man outfits whose wives or girlfriends do all their bookkeeping, this may be different in Montreal.

Our board, on the other hand, has been great. They have kept common charges reasonable ($250) by doing things like self managing the pool. They have mostly stayed on top of the Property Managers to stay on top of the landscaping and other contractors. They seem to have hired good people and the contractor who repaired and power washed and stained my deck (as well as the others in the complex) did a great job. If you go to a few meetings you will get a feel for personalities and relationship dynamics between the board and the Property Manager. The most important thing in voicing your own issues is to be forceful and direct, yet polite, and tell them succinctly what needs to be done. A lot of condo owners come in either in confrontational mode or drama mode and confrontation and dramas don’t accomplish anything. You gain respect by stating your request directly, getting to the point and being firm but polite and respectful.

A few years back I had an issue with pavement in my driveway bubbling up due to a tree that had become overgrown in front of my unit. I took pictures of the bubbling and emailed them to the Property Manager and the President. They came out within a week and approved my request to cut that tree down. Which was a few months later. However they never came back to grind the stump which I was told they would do. This could be difficult because it’s in the middle of my landscaped area in front of my condo. But at this point I don’t think the stump is hurting anything.
 

Thor Jr

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EagerBeaver,

All of your input is great and useful, i will take it all in and use it to my advantage. So far all my emails have been answered and problems resolved and always by a female correspondent, and i like this cause i get along better with females. My question is how many times a year do you have meetings? My building only has one, in October from what i am told. Is this common practice? Plus they have an office on the first floor where they come in once a week from 7-9 to pick up mail and take care of things around the building. I have a few more items i would like addressed, like the lines to my parking space being repainted and i would love for the parking area repaved but i am told that there would be an extra charge to the owners if this is done due to it being a large amount. The way i look at it is ill go slow and ask for one item at a time, starting with the most important items on my list and take what i can get. The other owners in the building are mostly elderly couples and these items dont concern them or just dont want to waste their last days on earth complaining and fighting so ill do it for them. There is 53 units in my building, which is one of the bigger building i looked into before settling in on this one.

Thank you EB, you have helped me more then you think in so many ways.
 

gaby

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Règle générale you will have ONE general meeting a year to address budget and learned what have been done and what needed to be done in the nex year....if there are emergencies you may have other meetings during the year.....53 units mean 53 coowners....that's mean for each item---like lines and repaving---you need majority to agree.....not easy....that's why would be important to be part of the management--conseil d'administration to push your main issues....and also talk with your neighbours to get their agreement and get your issues solved....as i said not always an easy task....each one having his own issues...good luck.
 

EagerBeaver

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My Condo Association board has monthly meetings, to address general issues. They meet privately for 30-45 minutes and then they have an open session that lasts an hour, usually 7-8 pm. Notice of these meetings is posted in the shed where the mailboxes are located, on a bulletin board. There are 5 board members and usually anywhere from 5 to 25 other unit owners attend the meetings.

There is one annual budget meeting. They send me the projected accounting on expenses before the annual budget meeting in writing, so I can ask any questions on proposed expenditures. The board members are also elected annually and I receive a ballot in the mail to vote on them directly or by proxy. Where I live there are 125 condominium unit owners and 5 board members are elected. I have been asked to run for the board many times by my neighbors and have declined, mainly because it is too big an investment of time and I just do not want to commit to it right now. I am also pleased with the current board, which has very dedicated persons who put in a lot of time and genuinely care about doing the right things for entire complex. I have agreed with most of their decisions.
 

gaby

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..and of course good lobby--relationship with members of the board and with other owners may b very useful .....and do your best to attend meetings when invited.
 

Sol Tee Nutz

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Personally with a family I would never live in a condo, by myself or with a mate in my golden years I may move into a condo. I really enjoy not having neighbors above below and beside me and not having all the extra pedestrian / car traffic. Nothing like a backyard BBQ by the pool playing bocce ball. Privacy also tops my list, 5 meter cedar hedges work wonders.
Once you buy the condo and pay the condo fees tmthe costs are not that much different and sometimes houses are cheaper. A friend of mine has condo fees of $400 a month.
 

EagerBeaver

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Sol-

Thor Jr. has bought a condo so the debate phase of this thread is now over. It’s now all about figuring out how to adapt to his condo. His common charges are what they are, he bought the condo knowing what they are. My common charges were $185 when I bought my unit in 2002 and are $250 now. So there will be COL increases but I am sure Thor knows that.
 

Sol Tee Nutz

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Never knew that the debate part is over, just saw the house or condo title and thought I would chime in. I did notice that he bought a condo but never caught that the debate ended..... :)
 

EagerBeaver

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Sol the debate ended once he made his decision which was to buy a condo. He asked for assistance on the decision and the decision was made. Now that he made the decision can you offer anything to actually help Thor Jr.? You are restating things you already posted in this thread as well- it’s kind of a moot issue since he chose a condo not a house.
 

ShyMan

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I have a few more items i would like addressed, like the lines to my parking space being repainted and i would love for the parking area repaved

Most Syndicates set aside reserves, built up slowly over years and taken out of monthly condo dues, to maintain, refurbish and replace common areas like repaving the community driveways and parking spaces. You should look at the annual financial records to see if enough reserves have been set aside.

Even if you wanted to re-strip or repave your own assigned (and/or deeded) parking space at your own expenses, the Board will likely disallow you based on the Syndicate rules and regulations. That's the constraint of "communal" living. As you correctly noted, start with the most important items -- pick your battles.

Like Gaby said, make friends with your neighbors and Management company.

You are king of your castle, but the common areas are owned by all co-owners. It's an adjustment, but it does not have to be a negative transition.
 

Sol Tee Nutz

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Ok, just sent a message to a friend that is an accountant for over 200 condo complexes, not just units. She attends 4 condo meetings a week and knows all the shit that goes on with them. I do recall her talking a lot about owners complaining about having to put more money into the fund for repairs. Also the insurance, if someone has a leak 3 floors up who gets the bill and how fast does it get fixed. I will update once she replies back.
And yes, do attend the condo meetings and speak out.

She replied quicker than I thought.. Major complaint is cost of repairs which everyone has to pay and special assessments can happen. A high majority of condo owners live very well in condos.
With the insurance is was just at one complex that had a gripe over the repair work...
 

EagerBeaver

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ShyMan makes an excellent point - how the reserves are shown means something to lenders. I always hated doing condo closings and around 10 years ago we sold a unit my father owned. The contracts were signed with buyers from California who, against their own attorney’s advice, decided to use Chase- a local branch in California. I also tell all my clients never to use Chase on condo closings because the condo laws in CT are all statutory and Chase follows their own internal rules and regulations over State and local laws, consistently. Anyway, Chase didn’t like the way the the reserves were shown in the Disclosure Statement which is mandated by State Law. The Buyer’s Attorney, a competent local real estate attorney, about a week before the closing, made time of the essence and demanded we provide a proper reserve statement because Chase wasn’t going to finance it otherwise. I had no choice but to send the Property Manager a “you are going to get sued under the unfair trade practices act” letter from hell. I sent a copy by email and he called me within 5 minutes. He asked me what he could do and I told him get on the phone with Chase and figure it out. They did end up figuring it out and we closed without delay. I didn’t charge my father on that closing and, knowing the pain I had endured (more time than I ever spent on any closing in my life), he mailed me a check for $1,000 as a “gift” a few weeks later.

Our Condo Association sometimes makes one time “Special Assessments” for items that come up. As I recall there was a controversy over the one Special Assessment that was made in the 17 years I have been there. The condo was built in 2 phases and the special assessment was for improvements to the roofs of units in phase 1. This led to a rebellion by unit owners in phase 2, who felt “why should we pay for improvements to the other side of the complex when nothing is being done for us??” Several phase 2 owners approached me, a fellow phase 2 owner, and requested that I go to bat for them to protest and refuse to pay the Special Assessment. I had to explain to them that this isn’t the Boston Tea Party and the way it works is that 10 years from now when we need improvements, the phase 1 people will have to pay a Special Assessment. I basically was able to calm down this mini Rebellion. The bottom line is that in a planned community like this expenses get shared and sometimes the direct benefits don’t, and you have to think of it like this: someone in Texas is paying federal tax to support a federal employee who works in and services a community in Connecticut.
 

IamNY

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ShyMan makes an excellent point - how the reserves are shown means something to lenders. I always hated doing condo closings and around 10 years ago we sold a unit my father owned. The contracts were signed with buyers from California who, against their own attorney’s advice, decided to use Chase- a local branch in California.

If the buyers loan officer was competent this probably wouldn't of happened. Most banks have an approved condo list, Chase definitely does. It lists everything from financials, reserves, etc. along with having expiration dates for all of it. Also, depending on the loan size, the condo can already be approved with the ultimate holder of the mortgage (FNMA, FHA, etc.) But, before a loan officer takes the deal they should of at least looked at their approved condo list and they would have known there was an issue or that expired documentation needed to be updated instead of waiting until the end and driving everybody crazy. Like a lot of loan officers, they aren't worth shit and their only concerned with getting the deal in house and they roll the dice at the expense and stress of their borrower.
 

EagerBeaver

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thegreatwaloo,

It was not as simple an issue as the Condo being approved or not. The issue was the accounting of the reserve. Chase wanted to see 10% in reserve in the budget and they were not seeing it in the disclosure statement. My father, a retired accountant, understood the Disclosure Statement as he was the former Treasurer of the Condo Association board. The method of accounting was the issue and it didn’t comport with what Chase wanted to see. Chase has their own guidelines as to how reserves should be shown in a budget and they didn’t like what they saw.

As far as I know, no new statement was created. The disclosures are mandated by statute in Connecticut and they complied with the statute. It’s called a “resale package”- when a unit gets sold the Property Manager gives copies to the Buyer. Chase looked at the disclosure and didn’t like it but they got no new statement. I assume they asked the Property Manager for other documents. In the end he worked it out with them under threat of being sued for tortious interference with contractual expectancy of my client if he didn’t. In the view of myself, my father and the Buyer’s Attorney, the Property Manager was made to jump through hoops of Chase’s creation and not necessary under CT law, which had been complied with. I have butted heads with Chase many times in many contexts (real estate closings, restricted bank accounts, foreclosures), and they do not respect local and State laws. They follow their own internal rules regardless of what State law says. They should never ever be used on any condo closing in CT. They suck.

I can tell you other war stories about Chase beyond the scope of this thread, but I will cut to the “Chase” by saying this: they are a monolithic company that is too big and doesn’t understand how local laws intersect with the lives of their customers. Clients are advised to use local banks like People’s or Keybank which understand the condo laws here, understand the laws on Probate Court restricted accounts and understand foreclosure laws.
 
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