Quick Answer
In a PUD, you own your house and the ground beneath it outright, much like any single-family home, but you also belong to an HOA that maintains shared spaces like entrances, trails, or a pool. Many newer Central Indiana subdivisions, including both single-family and townhouse communities, are structured this way.
- Ownership
- Owner holds home and lot
- Governance
- HOA oversees common areas and rules
- Common in
- Newer Central Indiana subdivisions
- Home types
- Single-family, townhouse, or mixed
How a PUD Is Structured
Unlike a condo, where the association typically owns the building exterior, a PUD lets each owner hold title to their own home and lot. The HOA's role is narrower: maintaining shared amenities, common green space, and enforcing the community's CC and Rs.
PUDs can include single-family homes, townhouses, or a mix of both, which is why the label describes the community's governance more than a specific building style.
What a PUD Means for Buyers
Buying in a PUD means budgeting for monthly or annual HOA dues on top of your mortgage, and agreeing to follow the community's rules on things like exterior changes, parking, and landscaping.
It also usually means access to amenities the HOA maintains, such as pools, walking trails, or a clubhouse, which is part of why many newer subdivisions across Hamilton, Hendricks, and Johnson counties are built this way.
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Frequently Asked Questions — Planned unit development (PUD)
Is a PUD the same as an HOA community?
A PUD is a type of HOA community, specifically one where owners hold title to their own home and lot rather than sharing ownership of the building itself.
Do all PUDs have amenities like pools?
Not all, but many newer PUDs include shared amenities, since that is often part of what the HOA dues fund.
Can a PUD include townhouses?
Yes - a PUD describes the governance structure, so it can include single-family homes, townhouses, or a mix, depending on the community.
What should I review before buying in a PUD?
Ask for the HOA's CC and Rs, budget, and any pending special assessments so you understand the rules and costs before you commit.