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A garden club can be a collection of interested individuals who meet regularly based on their mutual interest in all things 'garden'. This can be an informal collection of people.

A home owner association that is incorporated is a business, listed with the Secretary of State (in that state). Corporations are structured with ownership rights, percentages and requirements to disclose certain matters publicly.

The corporate structure dictates how the association conducts its business: with dictates published in its Bylaws.

In addition, an HOA is based on a land-use document filed in the local land-use hall of records with certain covenants, conditions, restrictions and regulations (CC&Rs).

An HOA is incorporated under Articles of Incorporation, again filed with the state.

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