What to request before making an offer — Brookfield Residential HOA disclosures, MUD tax verification, reserve fund questions for an active-construction community
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Talk to a Specialist →Kissing Tree is still under construction. The HOA is newer and less financially established than a 30-year-old community like Sun City Texas. Reserve funds are building rather than mature. HOA governance may still be partially controlled by the developer (Brookfield Residential) rather than homeowner-elected boards. Understanding these differences is important context for any document review.
| Document | What to Look For |
|---|---|
| Current CC&Rs | Rental restrictions, age verification, architectural approval process, pet policies, guest rules |
| Current HOA budget | Verify actual current dues match marketing figures — Brookfield's published rates vs actual budget may differ |
| Reserve study (if available) | For newer communities, reserve studies may be preliminary. A funded percentage below 50% in the first 5 years is normal; ask what the funded target is and timeline |
| Developer control timeline | When does homeowner control of the HOA board transfer from Brookfield to elected residents? This date matters for governance independence |
| Special assessment history | Any approved special assessments — though an active-construction community is unlikely to have these yet |
| MUD district confirmation | Tax records for the specific parcel — MUD taxes appear as a separate line item on the property tax account |
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The most important financial document to verify at Kissing Tree is the MUD tax status for your specific parcel. The steps: (1) ask the Brookfield sales representative directly whether the specific lot is in a MUD and what the current rate is; (2) look up the property on the Hays Central Appraisal District website (hayscad.com) — the tax account shows all taxing entities including any MUD district; (3) calculate the annual MUD tax at the current rate on your target purchase price and add it to your annual cost model before making an offer.
Texas law requires the delivery of an HOA disclosure package before closing. Buyers have the right to review and cancel the contract within the cancellation period specified in their purchase agreement if they find unacceptable conditions in the HOA documents. Have a Texas real estate attorney review the CC&Rs — the cost ($300–$500) is worthwhile for any purchase above $350,000 in an HOA community.
We can help you understand what to request and what to look for before you make an offer.
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