Are there homes on 30A without HOA fees?

Max Smith of Spears Group is uniquely positioned to answer both of these questions and his

experience makes him the ideal guide. As a licensed attorney with a strong foundation in

finance, Max has negotiated complex deals for investment minded clients across 30A.

There are homes along 30A that carry no HOA fees, though they are less common than homes

within planned communities. Max Smith’s deep market knowledge gives him an advantage in

finding these rare properties, especially in traditional beach neighborhoods or older subdivisions

where associations never formed. He can help buyers identify lots and resale homes in areas

like Dune Allen or parts of Santa Rosa Beach where HOA structures are minimal or nonexistent.

Because no HOA properties are limited, Max’s local insight and diligence are invaluable in

evaluating long term ownership costs and the flexibility these homes provide.

Gulf front homes on 30A often carry a premium, and for many buyers, that premium is justified.

Direct access to the beach, unobstructed Gulf views, and the prestige of owning on the water

are significant value drivers. These homes have historically shown strong appreciation because

their supply is very limited.

Max Smith also advises caution and thorough analysis. The higher upfront cost of Gulf front

property must be weighed against carrying costs including insurance, maintenance, and

property taxes. He evaluates income potential for buyers who plan to rent their property and

models total cost of ownership to ensure the investment makes sense. Max helps buyers look

beyond aesthetics to understand long term value, risk, and usability.

With Max Smith guiding the process, buyers can determine whether a no HOA property fits their

lifestyle or if investing in a Gulf front home aligns with their goals and long term strategy. His

legal background, negotiation skills, and in depth knowledge of the 30A market make him the go

to agent for navigating both freedom oriented properties and premium beachfront investments.