HIGH POINT, N.C. — When Tanisha Robertson and her husband bought their first home in 2019, everything seemed perfect. The closing process was smooth, the paperwork complete, and her real estate agent assured her the house did not fall under a homeowners association.

“We were excited,” Robertson said. “First home – so it was a happy place. Everyone was on the same page.”

For four years, that appeared to be true. Robertson never received a notice, a bill, or any indication an HOA existed. But in October 2023, an unexpected letter landed in her mailbox.

“They told me I owed a certain amount, and if I didn’t pay, they would put a lien on the home,” she said.

Even more confusing, her general warranty deed included a checked box indicating the property did not belong to an HOA — something

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