The Southpointe Subdivision Phase 2 and Steeplechase listings reviewed here each show $150 a year in HOA dues and a $100 transfer fee. The Southpointe home is a brick three-bedroom sitting on a 0.78-acre lot along Westhaven Cove, with sidewalks being added to both sides of the street. The Steeplechase home is a two-story house with mature trees and an oversized lot. Same fee, same transfer charge, different streets entirely.
That repetition is worth stopping on, because most buyers hear "HOA" and assume the number tracks with what the neighborhood offers. A bigger fee should mean a pool, a clubhouse, a landscaping crew working the common areas. Among the listings here that publish an HOA fee, it is $150 a year, and once you understand what $150 a year is actually paying for, it becomes a far smaller factor in choosing between subdivisions than the listing sheet makes it look.
What $150 A Year Actually Funds
None of the current new-construction listings in Medina describe a shared pool, a clubhouse, or a maintained common area attached to that HOA line. A fee that size, spread across an association with no listed amenities, functions as covenant administration money. It covers mailings, an annual meeting, and enough of a reserve to send a letter if someone parks a work trailer in a side yard for six months. It is not sized to fund anything communal, because the paperwork in front of you doesn't describe anything communal to fund.
Here's what that looks like across a few of the active subdivisions:
| Subdivision | Builder | HOA fee (from listing) | What the listing actually describes |
|---|---|---|---|
| Southpointe Subdivision Phase 2 | Not stated on listing | $150/year, $100 transfer | 0.78-acre lot, vaulted ceiling, sidewalks added both sides of street |
| Steeplechase | Clark Family Homes | $150/year, $100 transfer | Oversized lot with mature trees, on-demand gas water heater |
| Crosswynd | Not stated on listing | Not published | Marketed as "Medina's only gated community," cul-de-sac lot |
The first two rows tell you what the baseline HOA buys in Medina's ungated subdivisions right now: a recorded set of covenants and not much else. The third row is where the story gets more interesting, because Crosswynd is the one subdivision in town marketed as different in kind, not just in price.
Medina's Only Gated Community Isn't Exempt From The Builder's Market
Crosswynd markets itself as Medina's only gated community, and that phrase does real work in a listing. It implies a tier above the rest of the town's new construction, a place where the entry itself is part of what you're buying. But the active listing at 125 Wyndcrest Cove in Crosswynd currently carries a builder-offered concession of $5,000. The concession shows a builder responding to the same market conditions that apply across Medina's new-construction inventory, including inside the gated section.
The gate is a real feature. It's not evidence that the builder has pricing power the rest of the market doesn't. If anything, a concession showing up inside the marketed premium subdivision is a stronger signal about current conditions than a concession showing up in an ungated one, because it means builders across every tier of Medina's new-construction market are willing to negotiate right now, not just in the entry-level sections.
Clark Family Homes' Medina Listings
Clark Family Homes shows up across a run of Medina's current listings, from Steeplechase to several one-level plans with split-bedroom layouts and LVP flooring throughout. That's a production model: a set of plans, built repeatedly, sold as they're framed.
The City of Medina's own subdivision map is a useful five-minute stop before touring anything, since it links straight to the individual construction companies behind each colored section.
What This Means If You're Reading A Medina Contract This Fall
A few habits are worth building into any new-construction offer in Medina right now, regardless of which subdivision you're looking at.
- Ask for the recorded covenants and the association's actual financial position, not just the fee printed on the listing sheet. A $150 fee with no amenities still binds you to whatever architectural, fencing, or parking restrictions are written into that document, and those restrictions matter more day to day than the dollar amount.
- If a subdivision is marketed as gated or exclusive, ask directly whether concessions are live on other lots in that same section before assuming the marketing language means a firmer price. Crosswynd's current listing shows it doesn't automatically mean that.
- For a home already under construction, get a clear delivery timeline for that specific property. Clark Family Homes' listings describe homes at various stages of completion now, so the timeline can differ by listing.
A Few Questions Worth Settling Before You Sign
Does a higher HOA fee in Medina mean more amenities? Not based on what's currently listed. Among Medina's active new-construction listings that publish a fee, the amount is $150 a year with a $100 transfer charge. None of those listings describe a pool, clubhouse, or maintained common area tied to that number. A meaningfully larger fee would need a stated amenity behind it, and right now that stated amenity isn't showing up.
Is Crosswynd's HOA higher because it's gated? The current listing doesn't publish that figure, so no buyer should assume it from the marketing language alone. Requesting the recorded declaration and the actual dues for that section is a quick step, and it removes guesswork that a listing sheet alone can't answer.
If you just want a second set of eyes on an HOA declaration before your earnest money goes hard, reach out to Amy McLemore. She'll walk the actual paperwork with you before you sign anything.
This article is general information, not legal, tax or financial advice. Consult a qualified professional about your situation.
