The [...] Generally, creating a townhome regime allows the developer to get more density approved than he would if he had done single-ownership lots. If you are buying a fee simple realestate, with individual ownership of the land, you should read the deed restrictions (if any) to understand the rules that apply to your land. An insurance policy is usually held by the association to cover the jointly-owned parts of the realestate, while the individual owners carry insurance for the interior components of their units. Many associations charge mandatory dues.
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