The association fee covers heat, building maintainance, hazard insurance, outside maintainance, professional management, sanitation, snow and lawn care, water and sewer.Ramsey Square is a solid association with good reserves. The elevators have been updated, the roof is less than 8 years old. FHA approval is currently in process. Documents have been submitted meeting FHA criteria, and approval is expected within 2 weeks.The buildings are clean--check the laundry rooms! The grounds are beautifully maintained.All in all, a lovely place to call home!