Not only do HOAs in Florida have the power to put a lien on a home for not paying dues or fines, they can also foreclose on it.
JACKSONVILLE, Fla. — Imagine opening your mailbox to find out you have a lien on your house, and the entity issuing it is not the bank, but your home owner's association.Chapter 720 of the Florida state statutesYes, HOAs can not only issue a lien, but they even have the power to foreclose on a home.“They could absolutely foreclose on your home for owing them a thousand dollars," said Unfricht."They could foreclose on a multi-million dollar home for something like that.
He says those are typically anywhere from 10 days to a month depending on their individual HOA agreement. “A lot of times, this is referred to as free notice, or free notice period, but even at that point, they can’t place a lien on the property yet," said Unfricht. “You’re really looking at at least two months the homeowner has to remediate any of those issues before that lien is in place," said Unfricht.“They can lump in any attorneys’ fees as well, and if you’ve dealt with any of us attorneys, then you know that can get expensive fairly quickly," said Unfricht."So, reaching that $1000 threshold doesn’t take a whole lot.”
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