When my parents moved from Detroit, they refused to move to a subdivision because of association requirements. Smart people. I'd hate to deal with the internal politics in one of those.
The one in this part of the community is voluntary-I refuse to live where it is mandatory, too-been there, done that. The annual dues for the one where the gorgeous home is are over $1000 a year...
"This property may be occupied by a white christian family, only - with the exception that each family may have a single, live-in, coloured servant, as long as such servant is not jewish, or of another heathen denomination..."