When Our Family Refused to Join the Neighborhood HOA, the Self-Appointed “President” Called the Police and Threatened to Have Us Removed—But Just Weeks Later, the FBI Showed Up at Her House, and What They Discovered Behind Those Perfect White Fences Shattered the Illusion of the “Perfect” Community Forever
Chapter 1: The Perfect Neighborhood
When we moved into Cedar Falls Estates, it looked like something out of a magazine. Freshly painted homes, manicured lawns, smiling neighbors waving from their porches.
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But it didn’t take long to learn that the peace came with a price—and her name was Karen Holt, self-proclaimed “President of the Homeowners Association.”
Except… there wasn’t one.
At least, not officially.
She’d created the “Cedar Falls HOA” years ago—without county approval, without registration—and somehow convinced half the neighborhood to pay her monthly “maintenance dues.”
When my wife and I bought the corner lot, we politely declined to join.
That’s when the trouble began….The full story is in the comments!