Real Estate Information Archive


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Home Owners Association (HOA's)

by Dex Hubbard

When people hear the words “Home Owners Association” in my office, oftentimes a note of terror is introduced into the room. Many HOA’s are restrictive to the point (in my opinion) of ridiculousness. Some restrictions I’ve heard of are extreme, down to the type of plants allowed to be planted. Luckily, in my back yard, most of the HOA’s are more protective than restrictive. It’s common to see restrictions against junk cars, or junk appliance’s in the yard. Or to see a prohibition against dumping waste in your yard.

Still, there is the inevitable flinch when it’s mentioned, especially with the fees associated with the group.  And if you’re new to an HOA or had a bad experience with one, there are a few things that are need to know about our area of the mountains.

There are two types of HOA fees in our area. We do run into “subdivisions” that have voluntary road or water fees. As always, there are two edges to a sword. On one hand, you don’t have an obligatory fee that is paid every month (or annually). But that also means, that when the road needs repaired, a couple loads of gravel, or paved you might be paying the lions share just to get it done.

With your standard HOA, the fees are not voluntary. They are required to be paid to help with maintenance issues like roads and sometimes even water if you have a shared well or a community system. When buying a house with in a subdivision with an HOA, make sure to find out if the HOA is strong, and manages the money well.

*Hint: a good way to tell a well-managed HOA from a bad one is to drive through it. Too many pot holes could be a sign that there isn’t enough money in the account to repair the roads*

“Whoa Dex! You’re telling me I have to share a well with someone?”

A shared well is very common in our area. Up to 14 houses are allowed to be on a single well according to the state of NC (if the well can support that many houses). I’ve drilled 28 wells in my time developing property. I experienced the dream (80 gallons a minute) and the nightmare (1 pint a minute). A shared well does mean that someone else is using the same well, but it also means someone else is sharing in the expense of maintenance and repairs.

The same can be said of the road repairs & maintenance. Yes, someone else is using the road. But they are also paying to help with upkeep.

Taking care of your road can be expensive, especially if you are the only one doing so.

You may be perfectly fine with being responsible for everything yourself. Or you may be more interested in sharing the responsibility with neighbors.  Whichever way you choose, make sure you are well informed and know exactly what you’re taking on.

If you have any questions about HOA’s, or real estate, or about Murphy, NC and the surrounding areas, contact me and my team!

Day Trip Adventures Near Murphy NC

by Dex Hubbard

Day Trips

Sometimes the traveling bug collides with reality. Yes, a sudden trip the somewhere tropical sounds divine, but you and most of the rest of the world have to be back to work on Monday. Luckily, in our “backyard” there is always somewhere new to explore; places you might not have knew existed that are perfect to fulfill the need for adventure or new beauty. This is a series on great day trips for you and your family to explore


Helton Creek Falls

45 mins-1 hour from Murphy, NC

I describe this as a day trip because you won’t want to leave once you are there. The water is cold (especially in September when I went) but it’s perfect for a hot summer day. Bring a picnic lunch, libations, and a swim suit. Lounge on the warm rocks, dip into the refreshing water, and drift off to sleep while listening to the loud water fall.

I got here just fine in my little Honda civic, but others might prefer a truck or suv, as it can get a little bumpy. If you decide to circle around when you leave instead of turning around and driving back the way in, you will have to ford two creeks.

Directions: From Blairsville take US 129 South (11 miles). Past Vogel State Park. Turn left on first gravel road (there should be a small sign). The gravel road is 2.2 miles and there will be a pull off. There are two falls, upper and lower. The trail is only .3 miles so manageable for all ages.


Asheville, NC

1.5 Hour to 2 Hours from Murphy, NC

There is so much to do in Asheville it will require many day trips or a longer stay. If you’re looking for grand amazement and you are into historical homes, check out The Biltmore Estate (especially dazzling at Christmas). Or check out the North Carolina Arboretum, a 434 acre garden that boasts many attractions including one of the most renowned Bonsai Collections in the country. Downtown Asheville has become a meca for the unusual and classic historical. Asheville has adopted the “keep Asheville Weird” campaign and stays true to form. It’s a refreshing mix of young, old, historical and new. If you’re a beer or wine connoisseur, then Asheville is definitely the place to be. Or if you’re looking for relaxation, check out the Shoji Hot Tub retreat & spa, ten minutes from downtown Asheville.


Cades Cove

1.5 to 2 hours from Murphy, NC

Cades Cove is an adventure into the past. Full of wild life and history, Cades Cove Smokey Mountain National Park was formed in 1934. It’s been preserved to look much like it did in the 1800s. It’s become the largest open air museum in the entire Great Smoky Mountains National Park. It has some original pioneer homesteads, barns, and businesses. Take the 11 mile “loop” to see different landscapes and scenery. There is camping & hiking for those who want to get out of the car! Just another great part of the Great Smokey Mountains!


Bald River Falls, Tellico TN

1.5 to 2 Hours from Murphy, NC

The Bald River is a major tributary of the Tellico River that is in Tellico, TN. If waterfalls and natural beauty amaze you, then you must check it out. There are a couple ways to get there. The “normal” way (GPS) or take Murphy to Joe Brown to Hanging Dog to Davis Creek and into Tennessee (the fun way). It has a 5.6 mile trail (rated Moderate) and plenty of pull offs if you are not up to getting out of the car. The Tellico River is a great place for fishing & wild trout fishing, if you have the inclination. 


***Check back for more day trips ***

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Contact Information

Photo of Dex Hubbard Real Estate
Dex Hubbard
RE/MAX Mountain Properties
1151 W US Hwy 64
Murphy NC 28906
Fax: 828-837-8372