HOA

If you’ve spent any time browsing homes, chances are you’ve come across the term “HOA.” For many buyers, it can feel a little unclear—sometimes even intimidating. So let’s break it down in simple terms.

An HOA, or Homeowners Association, is an organization within a neighborhood or community that creates and enforces rules for the properties and residents. If you purchase a home in an HOA community, you automatically become a member and agree to follow its guidelines, often called covenants, conditions, and restrictions (CC&Rs). Most HOAs also collect monthly, quarterly, or annual dues. These fees go toward maintaining shared spaces and amenities—things like neighborhood pools, clubhouses, sidewalks, landscaping, or even gated entrances.

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Valentine

Valentine’s Day in Chattanooga, Tennessee is a fantastic time to celebrate love with your partner—and the Scenic City has something for every vibe and every budget. From romantic underground adventures to relaxed creative evenings and lively social events, here are some great date night ideas and Valentine’s-themed happenings to make February special.

Local Valentine-Specific Events

One of Chattanooga’s most memorable Valentine’s experiences is Romance at Ruby Falls. This special after-hours lantern-lit cave tour is offered on select nights in February (including around Valentine’s Day) and gives couples an intimate guided experience deep inside the iconic waterfall cavern—with a professional photo and keepsake gift included.

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