I have recently realized that the notices for the HOA Board meetings give information about the upcoming annual fees. On the back of the letter announcing the HOA Board meeting for Vistana Viallges, is next yea's budget.
I always ignored the budget in the past, thinking I could never figure it out. But, I looked carefully this time and saw "operating expenses" and "reserves" listed. I suspect these will be rubber-stamped at the board meeting. So, the only component of annual fees that isn't already know is the state real estate taxes. (The HOA Board has no say over the state taxes.)
There was also a section saying the estimated remaining life of the elements of the physical plant (the roofs, the HVAC, etc). It also said how much the items were expected to cost to replace, and how much in replacement funds had been set aside.
It looks like there is a gold mind of information there. Unfortunately, I put my Board Meeting announcements in the recycle bin.
But, it would be worth sharing our knowledge here and trying to figure out things such as whether replacements are adequately funded, whether bad debt is higher than last year, etc.
I did recall that the bad debt for my Vistana Village HOA was 9%, and I thought that was surprisingly high. I believe this was for Key West, although I also own Bella.
Upshot: Probably all of the annual fees for next year have already been announced, not including the real estate taxes.