I live a little north of Tampa in Spring hill. In a very nice neighborhood. All of the lots are 1/2 acre. HOA is $90 a year. While house shopping from St Pete to Spring Hill the details were all over the place. Astronomical HOA's Newer neighborhoods have CCD costs. Some homes crammed in like cattle. Not much more room between them than 2 people walking side by side. HOA's that include lawn care you won't be able to put up a fence. Be aware of the FEMA flood zone codes. They might be different a block away. Neighbor has to buy flood insurance and you don't. Property tax varies wildly also. Good Luck! Oh as mentioned, if you are a Liberal stay away.