125 years ago...
(media.greatawakening.win)
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Who would want to join a HOA? And who wouldn’t know they were in one?
I doubt that happens much, if at all (complete retards being an exception).
Real estate transactions require the seller to give the buyer a copy of the CC&R's prior to closing. If the buyer choses not to read them or have someone explain it to them, then that's their fault.