Every listing sheet for a home in Fairway Village carries the same line near the bottom: HOA dues, reported at roughly $420 a month by independent trackers. Buyers glance at it, run the math against their monthly budget, and move on to the photos of the clubhouse. That number is real, and it is also the least useful piece of information in the packet, because it says nothing about a decision the seller may or may not have made this summer, one that does not show up on a disclosure form and does not transfer automatically at closing.
Fairway Village runs an opt-in earthquake insurance program on its own annual calendar. The 2026 enrollment window just closed. Whether the home you're bidding on is covered depends entirely on what the current owner decided to do about it, and that is a conversation a buyer's agent needs to have directly with the HOA's management company, not infer from the CC&Rs.
The Clock Buyers Don't See
Fairway Village's HOA offers residents access to an earthquake insurance program through a carrier called Motus, using a community-specific enrollment code, FWV835. The structure is worth understanding because it solves a real gap in standard coverage. A typical California Earthquake Authority policy caps loss assessment coverage at $100,000. The Motus program available to Fairway Village owners offers up to $800,000 in combined loss assessment and unit interior coverage, and it covers a homeowner's share of damage to common areas, which a standard CEA policy excludes. Under California's Motus framework, both the association and the individual owner are named insured, meaning each has standing to file a claim after a loss rather than waiting on the HOA to act on their behalf.
None of that coverage is automatic. It is opt-in, enrolled per unit, and run on a fixed yearly schedule. This year's cycle looked like this:
- July 8, 2026 — first informational webinar for homeowners weighing enrollment
- July 16, 2026 — a special town hall held via Zoom to walk residents through the coverage details
- August 7, 2026 — the deadline to sign up or renew for the current policy term
That deadline has already passed. If you're writing an offer on a Fairway Village home today, the current owner either enrolled before August 7 or they did not, and there is no window to add coverage mid-cycle. A buyer who assumes an earthquake policy transfers with the house, the way a home warranty sometimes does, is making an assumption worth confirming in writing before removing contingencies.
Why the Timing Actually Matters at the Table
Here is the mechanism that makes this more than a footnote. Because Motus enrollment is tied to the individual owner rather than bundled into the base HOA dues, a change of ownership does not carry the policy forward. If the seller enrolled, a new owner typically has to establish their own coverage under the program once they hold title, and if the seller did not enroll, that gap simply persists until the next annual window opens. For a buyer counting on earthquake protection as part of their overall risk picture, closing between enrollment cycles means living with whatever the previous owner chose, for months, with no way to change it before next summer's webinar.
The practical move is simple and rarely happens early enough in a transaction. Ask the HOA's management company directly whether the specific unit is currently enrolled in the Motus program, not whether the community offers it. Those are different questions with different answers.
An Association That Is Actively Governing Right Now
The insurance decision did not happen in a vacuum. Fairway Village's board held director elections this year, and the community's own notices confirm Robert Crawford and Jeffrey Sayre were returned to the board for new two-year terms. The HOA is managed day to day by Action Property Management, and the community's resident communications, including the Motus webinar and town hall announcements, run through that same management channel.
For a buyer, the relevant point isn't who sits on the board. It's that this is an association making active decisions on a visible timeline, not one running on autopilot from a decade-old policy binder. Board minutes and manager notices from the past few months will tell you more about where the HOA is headed on insurance, reserves, and dues than the CC&Rs will, and they're worth requesting alongside the standard disclosure package.
What the Dues Number Is Actually Buying
Public HOA trackers list Fairway Village as a 281-unit association built in 1978. That age gives the dues conversation some context. Roughly $420 a month, per independent fee trackers, funds the clubhouse, pool, and common-area upkeep that keep a community approaching its fifth decade looking the way buyers expect a guard-gated community to look. It does not fund individual earthquake coverage. That is a separate, optional line item running on its own budget and its own calendar, and it is the piece most likely to get lost between the listing sheet and the closing table.
Read against each other, the two numbers tell a clearer story than either does alone. The monthly dues cover shared appearance and infrastructure. Earthquake protection for a specific unit is a decision the current owner makes once a year, and it either carries forward in spirit, if the buyer re-enrolls promptly after closing, or it doesn't exist at all until next summer.
Golf Course Frontage Is Not the Same Amenity as a Walking Trail
One smaller detail worth flagging for buyers drawn to the community for its walkability. Public listing data for Fairway Village catalogs "Golf Course" and "Trails" as two separate amenities, not one combined feature. A home backing the course and a home near the community's walking paths are not necessarily offering the same daily experience. If a walkable lifestyle is part of the draw, it's worth confirming which specific paths a given address has actual access to, rather than assuming golf-course frontage and walking trails are interchangeable.
Frequently Asked Questions
Does the Fairway Village HOA dues amount include earthquake insurance? No. The roughly $420 a month reported by independent HOA fee trackers covers shared community upkeep. Earthquake coverage runs through a separate, opt-in Motus program using the community code FWV835, and the 2026 enrollment window closed August 7.
What happens if the seller of a Fairway Village home didn't enroll in the Motus program? The unit simply carries no Motus earthquake coverage until the program's next annual enrollment cycle opens, typically announced via a summer webinar and town hall. A buyer wanting that coverage would need to wait for the next window rather than enroll immediately after closing.
Who manages the Fairway Village HOA? Action Property Management, per independent HOA transparency records. Resident communications, including insurance program notices and board announcements, run through that management channel.
If you're evaluating a home in Fairway Village and want someone who will actually call the HOA's management company to confirm insurance enrollment status before you remove contingencies, Caroline Lee has built her North Orange County practice on exactly this kind of detail work. Let's Connect before you write the offer, not after.
