If homeowners are not happy with the situation, they can organize, vote, or leave. Again, this is like government.
That's because they entered into the situation by agreeing to a contract. The builder owns the land and therefore gets to set the terms of whoever moves there. That kind of private ownership is exactly not like the government which claims to set rules on property that I own.
What it is decidedly not like is a decentralized idealistic libertarian society.
It is though. It's a private owner dictating the rules of his own property. That's perfectly compatible with libertarianism which is why libertarianism wouldn't be utter chaos.
The point is, organized tax collecting institutions which collect a fee to render a prescribed set of services to a population are generally inevitable and will arise from any society, even your libertarian society.
I'm not against paying fees. I'm against being physically forced to do so against my will. If I don't like the rules a builder lays down, then I don't have to buy it. It's his land so he gets to do what he wants with it. Knocking on my door, of a house I own, and demanding I pay a fee is completely different.