One note on associations: there were many people (among them my parents) we spoke to who believed it best to avoid associations at all costs. In the end, we bought in an association and it's the best thing we could've done. Our friends are close, so we don't have to worry about having people visit for a party, and our kids always have something to do--they leave camp in the morning to play with friends and only come back to eat!
That being said, reading the HOA documents is important, as is the extra fees, but it's not anything different than what you'd wanna go if buying a condo or, for that matter, any property. Our place is seasonal--Arcadia, which was mentioned above--and HOA fees are ~90/mth.
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