Community HOA fees on Lake Keowee vary enormously — from under $3,000 annually in some neighborhoods to $20,000+ per year in full-amenity communities like The Cliffs. Before falling in love with a property, understand exactly what the fees include, the HOA's reserve fund health, any upcoming special assessments, and the rules governing rentals, construction, and dock usage. The amenities can be extraordinary — but they come with real costs.