I am conflating HOA with condo maintenance, but to add an anecdote re: Florida - my dad's condo was reassessed twice over the last 3 years. The first time, the balcony was cordoned off for about 5 months. This time, his balcony has been inaccessible for 4 months and ongoing. His maintenance fees jumped 80% to almost $2K for over this period. This is on top of mortgage. He paid for the view which he gets no access to. Somebody on that management board is laughing hard on their way to the bank.