Yeah, you only really get those homeowners associations with new, created communities. However, a lot of cities have ordinances to force upkeep. For example if you don't mow your grass here, if it gets over a certain length and someone complains, the city will send you a notice that if you don't mow within a certain number of days they'll come do it for you and send you a bill.
Never really understood the attraction of those created communities. They're cookie cutter homes, usually overpriced and poor construction, little to no landscaping, homeowners associations with weird rules and fees, no character to the architecture. They're like the strip malls of neighborhoods.
“It is the peculiar nature of the world to go on spinning no matter what sort of heartbreak is happening.”
― Sue Monk Kidd, The Secret Life of Bees: