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That is generally not the way it works.
(a) The homes may have a covenant in the deed that mandates an Association. If this is true, then it can be formed.
(b) If the deed covenants do not have such a mandate, then there is no need to join any Association. One can joint it voluntarily, but may also leave at any time.
(c) Some deed covenants may mandate that the home will be part of an Association if an Association is voted in by majority/percentage of the other homes in the neighborhoods. This is very rare.
Unless (a) or (c) is in play, there is no mandate to joint such an Association.
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