If the homes in the photo above were built on narrow city lots these properties might be classified as single family houses. But when you see small homes without much yard in the suburbs they are more likely to be detached townhomes.
So what’s the difference? Well, the lots above are about half the size of city lots, which is common but some detached townhomes have bigger lots. The size of the detached townhomes above is similar to that of attached townhomes, but again… some are bigger and more the size of a house.
Here are some differences…
OWNERSHIP
The biggest difference has to do with ownership. With a house you own the building and lot and are responsible for everything related to the property. You are subject only to the laws regulated by the city in which you own your home. With a detached townhome you are a member of a CIC (Common Interest Community) and must also adhere to those rules and regulations and pay dues to the HOA (HomeOwners Association). Restrictions might include pets or the color of your front door.
PRICE
Prices are typically lower for a detached townhouse than a comparable house, largely due to lot size and common association ownership. There is economy in joint ownership. Look for CIC in the legal description.
MAINTENANCE
Detached townhome owners are usually responsible for all their own utilities, property maintenance and insurance as with a single family house. However, snow removal, lawn care, and trash removal are usually managed by the association and charged to the unit owners in the form of association dues. You can do what you want with the interior of your property, but there are usually rules and regulations governing what you can do to the exterior of your property, ensuring a cohesive appearance for the complex. You must get association approval for any changes that affect the exterior of your property.
