At Lake Keowee, two things often get confused: the property owners’ association (POA/HOA) that governs the neighborhood, and the club membership that unlocks golf, wellness, and dining. Where both apply, review their separate documents and costs. The particular property's governing documents and current club agreement determine the obligations.
Use this guide to build a document and cost checklist, then confirm the transaction-specific answers with the association, club and closing attorney.
POA vs. Club Membership
Two structures buyers routinely conflate.
The Property Owners’ Association
Review the recorded covenants and association documents to establish membership obligations, assessments, common-area responsibilities and enforcement procedures for this property. Ask whether more than one association applies.
The Club Membership
In communities like the Cliffs and Old Edwards Reserve, the club is a separate entity offering golf, wellness, racquet, and dining via tiered memberships. under its own current terms. Confirm whether the particular purchase carries a requirement, eligibility condition or deadline rather than assuming membership is optional or automatic. Questions before buying in the Cliffs →
Why the Distinction Matters
Your all-in carrying cost is POA assessments plus club dues plus any capital contributions. not one number. Underwrite both. Due-diligence checklist →
The Costs to Map
What you’ll actually pay, and when.
Dues and Assessments
Expect recurring POA assessments and, if you join the club, annual dues by tier. Get the current schedules in writing for the specific community.
Initiation and Capital Contributions
Ask which one-time fees, deposits or capital charges apply, when they are due and whether any part is refundable. Do not call an initiation fee a refundable deposit without the written terms. Request information about approved or proposed assessments separately.
Transfer Fees and Estoppels
Ask the closing attorney and association which account-status, resale or transfer documents this transaction requires, the cost and lead time. A statement about one account does not establish every future obligation. Closing timeline →
Reading the Governing Documents
What the documents control. even for existing homes.
Covenants and Restrictions
CC&Rs govern renovations, additions, docks, rentals, and use. Read them even if you’re not building. they define what you can do with the property.
Architectural Review
Most communities require ARB approval for exterior changes and new construction. The rules affect timelines and what’s buildable. ARB guide →
Rental and Short-Term Rules
If you intend to rent, confirm the rules before you buy. some communities restrict or prohibit short-term rentals. Short-term rental diligence →
Frequently Asked Questions
The questions buyers and sellers ask David first.
What’s the difference between the POA and the club?
The POA/HOA governs the neighborhood and common areas via mandatory assessments; the club is a separate entity offering golf, wellness, and dining through tiered memberships. They have separate costs.
What does club membership cost?
Request current one-time and recurring charges for the membership being considered, including payment timing, assessments and any refund terms. Do not assume a fee is a refundable deposit.
What transfers to me at closing?
Confirm the obligations tied to the deed with the closing attorney and association. Obtain separate written club admission or transfer terms and the required transaction documents; the deed alone does not establish club approval.
Do covenants matter if I’m buying an existing home?
Yes. covenants govern renovations, docks, rentals, and use regardless of whether you build, so read them before you buy.