Serious answer: You could live in a community that has deed restrictions addressing things like property use, setbacks, and construction design, but those deed restrictions to not create an HOA that enforces those restrictions. Some older communities that were created by less sophisticated or sloppy developers have similar deed restrictions that do not create an HOA to enforce restrictions, collect assessments, etc.
I've encountered a few of those communities, and in some instances the neighborhood has created their own HOA, which is purely voluntary and does its best to monitor compliance, but that HOA does not have the legal authority to file a lawsuit to enforce the restrictions. Under the law, an individual owner in the community has standing to sue, but someone who is concerned about a violation rarely is mad enough to spend their own time and money pursuing an enforcement lawsuit.
And as troph mentioned, with or without an HOA, if there are enough similar violations around your neighborhood, the offending owner could have a waiver/abandonment claim for that particular restriction. There's no magic number of violations for that to happen. The rule is generally, can a person driving through the neighborhood observe enough violations that they form the reasonably belief that the community does not enforce that restriction.