An organization requires you You voluntarily agree to pay a fee on a regular basis based on your footprint within the boundaries of a geographical region in which you live and which provides services to you and your fellow residents within that geographical region. You may or may not agree in totality with the efficiency or results of all those services. You can try and change things through meetings, votes, etc. In the end, if you are dissatisfied and don't care to pay those fees anymore, you will have to move.
Still talking about government? No.
My interpretation is more accurate. Your payment of the fee to the homeowner's association is not voluntary, unless you opt to not reside within the geographical boundaries of their domain.
For me the legitimacy would depend on the terms of the contract I signed when I bought the property. If I voluntarily buy property within a homeowners association and sign a contract saying I will abide by the decisions of the council, senate, leadership, whatever, then it is legitimate and I cannot complain. Only leave. If I already own the property and my neighbors form a homeowners association and THEN try to force me to abide by their decisions, it is illegitimate.
With government I have signed no contract and so am not legitimately bound to any set of rules. I submit because of fear of reprisal. This is a big difference.