Although these Phoenix homes for sale might not be located in an HOA neighborhood, it is important to note that they still might be bound by CC&Rs of the previous owners. For instance, in the event of lot splitting, etc.; or by zoning restrictions of Phoenix. Living in a non-HOA subdivision does not necessarily give you carte blanche to do whatever you want with your Phoenix property. When buying a home without a homeowners association, use your inspection period to perform due diligence on what rules may apply to your potential new Phoenix real estate. Save yourself from headaches later.