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dophram,
Have you read the covenants, conditions & restrictions (CC&Rs) for your lot? Nationwide these are usually recorded with the county clerk. The courts say this is public notice to all who buy a lot, that is covered by the CC&Rs, that CC&Rs apply.
The courts say that covenants are contractual terms with which all must comply.
Many states require that sellers disclose the existence of a HOA before closing. Are you sure the seller never disclosed this to you?
If you indicate your state, I might be able to shed more light on this for you.