{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "asset_type": "jurisdictional-variation", "body": "An HOA or condo association can put a lien on a unit for unpaid dues and, in most states, eventually foreclose on it \u2014 but state statutes (not the association's own governing documents) set a floor on how much written notice the owner gets first, and in some states a minimum dollar or time delinquency before the association may foreclose at all. The notice periods are not comparable on their face, because each state hangs its period on a different step, so every record here quotes the step alongside the period. California requires at least 30 days before recording a lien (Civ. Code \u00a7 5660) and bars foreclosure below $1,800 or 12 months delinquent (\u00a7 5720). Florida requires 45 days before recording a claim of lien, and a further separate 45 days before filing a foreclosure action, with no dollar floor (Fla. Stat. \u00a7 720.3085). Colorado requires at least 30 days before initiating a foreclosure action \u2014 added by HB 24-1337 and present only from the 2024 edition of the revised statutes onward \u2014 and bars foreclosure below six months of common-expense assessments (C.R.S. \u00a7 38-33.3-316(10.7)(a), (11)(a)(I)). Nevada requires not less than 30 days between the notice of delinquent assessment and the recorded notice of default (NRS 116.31162(1)(b)). Arizona requires at least 30 days before the association may refer the account to an attorney or outside collector, and bars a foreclosure action until the owner is 18 months or $10,000 behind, whichever comes first (A.R.S. \u00a7 33-1807(A), (L)). Washington requires a second delinquency notice no sooner than 60 days after the first, and a floor of three months or $2,000 of assessments (RCW 64.90.485(22)). Virginia requires at least 10 days before filing a memorandum of lien and bars nonjudicial foreclosure below $5,000 (Va. Code \u00a7 55.1-1833). North Carolina requires no fewer than 15 days before filing the lien, on an account unpaid 90 days or more (N.C. Gen. Stat. \u00a7 47F-3-116). Each record is one state's homeowners'/property-owners' association or common-interest-community act \u2014 not judicial mortgage foreclosure law generally, and not that state's separate condominium act, which can state different numbers for a condo unit. Several general compilers (Nolo, FindLaw) publish separate per-state encyclopedia articles on HOA foreclosure, but none of them join the notice-day and delinquency-floor numbers into one comparable table across states \u2014 checked 2026-09-02, no 50-state table found. Answers 'how many days notice before my HOA can put a lien on my house' and 'how much do I have to owe before an HOA can foreclose in [state]'.\n", "description": "An HOA or condo association can put a lien on a unit for unpaid dues and, in most states, eventually foreclose on it \u2014 but state statutes (not the association's own governing documents) set a floor on how much written notice the owner gets first, and in some states a minimum dollar or time delinquency before the association may foreclose at all. The notice periods are not comparable on their face, because each state hangs its period on a different step, so every record here quotes the step alongside the period. California requires at least 30 days before recording a lien (Civ. Code \u00a7 5660) and bars foreclosure below $1,800 or 12 months delinquent (\u00a7 5720). Florida requires 45 days before recording a claim of lien, and a further separate 45 days before filing a foreclosure action, with no dollar floor (Fla. Stat. \u00a7 720.3085). Colorado requires at least 30 days before initiating a foreclosure action \u2014 added by HB 24-1337 and present only from the 2024 edition of the revised statutes onward \u2014 and bars foreclosure below six months of common-expense assessments (C.R.S. \u00a7 38-33.3-316(10.7)(a), (11)(a)(I)). Nevada requires not less than 30 days between the notice of delinquent assessment and the recorded notice of default (NRS 116.31162(1)(b)). Arizona requires at least 30 days before the association may refer the account to an attorney or outside collector, and bars a foreclosure action until the owner is 18 months or $10,000 behind, whichever comes first (A.R.S. \u00a7 33-1807(A), (L)). Washington requires a second delinquency notice no sooner than 60 days after the first, and a floor of three months or $2,000 of assessments (RCW 64.90.485(22)). Virginia requires at least 10 days before filing a memorandum of lien and bars nonjudicial foreclosure below $5,000 (Va. Code \u00a7 55.1-1833). North Carolina requires no fewer than 15 days before filing the lien, on an account unpaid 90 days or more (N.C. Gen. Stat. \u00a7 47F-3-116). Each record is one state's homeowners'/property-owners' association or common-interest-community act \u2014 not judicial mortgage foreclosure law generally, and not that state's separate condominium act, which can state different numbers for a condo unit. Several general compilers (Nolo, FindLaw) publish separate per-state encyclopedia articles on HOA foreclosure, but none of them join the notice-day and delinquency-floor numbers into one comparable table across states \u2014 checked 2026-09-02, no 50-state table found. Answers 'how many days notice before my HOA can put a lien on my house' and 'how much do I have to owe before an HOA can foreclose in [state]'.", "file": "index.md", "generated": true, "harvested": "2026-09-02", "key_field": "jurisdiction", "licence": "unknown", "sources": ["https://www.azleg.gov/ars/33/01807.htm", "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5660.", "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5720.", "https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-38.pdf", "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0720/Sections/0720.3085.html", "https://www.leg.state.nv.us/nrs/nrs-116.html#NRS116Sec31162", "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_47F/GS_47F-3-116.html", "https://law.lis.virginia.gov/vacode/title55.1/chapter18/section55.1-1833/", "https://app.leg.wa.gov/rcw/default.aspx?cite=64.90.485"], "stale_after": "2027-09-02", "title": "HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "dataset", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Arizona\n\n**Written notice required:** at least thirty days\n\n**Notice required before:** authorizing an attorney, or a collection agency that is not acting as the association's managing agent, to begin collection activity on behalf of the association\n\n**Minimum delinquency before foreclosure:** a period of eighteen months or in the amount of $10,000 or more, whichever occurs first\n\n> The association's common expense lien may be foreclosed in the same manner as a mortgage on real estate but may be foreclosed only if the owner has been and remains delinquent in the payment of any assessment or portion of the assessment for a period of eighteen months or in the amount of $10,000 or more, whichever occurs first, as determined on the date the action is filed.\n\n**Statute:** A.R.S. \u00a7 33-1807(A), (L)\n\n> 33-1807. Common expense liens; priority; mechanics' and materialmen's liens; notice\n\n> L. For a delinquent account for unpaid common expense liens, the association shall provide the following written notice to the member at the member's address as provided to the association at least thirty days before authorizing an attorney, or a collection agency that is not acting as the association's managing agent, to begin collection activity on behalf of the association:\n\nSource: <https://www.azleg.gov/ars/33/01807.htm>\n", "file": "arizona.md", "generated": true, "harvested": "2026-09-02", "id": "arizona", "jurisdiction": "Arizona", "minimum_delinquency_threshold": "a period of eighteen months or in the amount of $10,000 or more, whichever occurs first", "notice_gates": "authorizing an attorney, or a collection agency that is not acting as the association's managing agent, to begin collection activity on behalf of the association", "notice_period": "at least thirty days", "quote_minimum_delinquency_threshold": "The association's common expense lien may be foreclosed in the same manner as a mortgage on real estate but may be foreclosed only if the owner has been and remains delinquent in the payment of any assessment or portion of the assessment for a period of eighteen months or in the amount of $10,000 or more, whichever occurs first, as determined on the date the action is filed.", "quote_statute_citation": "33-1807. Common expense liens; priority; mechanics' and materialmen's liens; notice", "source_quote": "L. For a delinquent account for unpaid common expense liens, the association shall provide the following written notice to the member at the member's address as provided to the association at least thirty days before authorizing an attorney, or a collection agency that is not acting as the association's managing agent, to begin collection activity on behalf of the association:", "sources": ["https://www.azleg.gov/ars/33/01807.htm"], "stale_after": "2027-09-02", "statute_citation": "A.R.S. \u00a7 33-1807(A), (L)", "title": "Arizona \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** California\n\n**Written notice required:** At least 30 days\n\n**Notice required before:** recording a lien upon the separate interest of the owner of record to collect a debt that is past due under Section 5650\n\n**Minimum delinquency before foreclosure:** equals or exceeds one thousand eight hundred dollars ($1,800) or the assessments secured by the lien are more than 12 months delinquent\n\n> (2) By recording a lien on the owner\u2019s separate interest upon which the association may not foreclose until the amount of the delinquent assessments secured by the lien, exclusive of any accelerated assessments, late charges, fees and costs of collection, attorney\u2019s fees, or interest, equals or exceeds one thousand eight hundred dollars ($1,800) or the assessments secured by the lien are more than 12 months delinquent.\n\n**Statute:** Cal. Civ. Code \u00a7 5660\n\n> California Code, CIV 5660.\n\n> 5660. At least 30 days prior to recording a lien upon the separate interest of the owner of record to collect a debt that is past due under Section 5650, the association shall notify the owner of record in writing by certified mail of the following:\n\nSource: <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5660.>\n\nAlso cited: <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5720.>\n", "file": "california.md", "generated": true, "harvested": "2026-09-02", "id": "california", "jurisdiction": "California", "minimum_delinquency_threshold": "equals or exceeds one thousand eight hundred dollars ($1,800) or the assessments secured by the lien are more than 12 months delinquent", "notice_gates": "recording a lien upon the separate interest of the owner of record to collect a debt that is past due under Section 5650", "notice_period": "At least 30 days", "quote_minimum_delinquency_threshold": "(2) By recording a lien on the owner\u2019s separate interest upon which the association may not foreclose until the amount of the delinquent assessments secured by the lien, exclusive of any accelerated assessments, late charges, fees and costs of collection, attorney\u2019s fees, or interest, equals or exceeds one thousand eight hundred dollars ($1,800) or the assessments secured by the lien are more than 12 months delinquent.", "quote_statute_citation": "California Code, CIV 5660.", "source_quote": "5660. At least 30 days prior to recording a lien upon the separate interest of the owner of record to collect a debt that is past due under Section 5650, the association shall notify the owner of record in writing by certified mail of the following:", "sources": ["https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5660.", "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=5720."], "stale_after": "2027-09-02", "statute_citation": "Cal. Civ. Code \u00a7 5660", "title": "California \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Colorado\n\n**Written notice required:** At least thirty days\n\n**Notice required before:** initiating legal action to foreclose a lien under this section\n\n**Minimum delinquency before foreclosure:** equals or exceeds six months of common expense assessments based on a periodic budget adopted by the association\n\n> (a) In a condominium or planned community, the association's lien may be foreclosed in like manner as a mortgage on real estate; except that the association or a holder or assignee of the association's lien, whether the holder or assignee of the association's lien is an entity or a natural person, may only foreclose on the lien if: (I) The balance of the assessments and charges secured by its lien, as defined in subsection (2) of this section, equals or exceeds six months of common expense assessments based on a periodic budget adopted by the association;\n\n**Statute:** C.R.S. \u00a7 38-33.3-316(10.7)(a), (11)(a)(I)\n\n> 38-33.3-316. Lien for assessments - liens for fines, fees, charges, costs, and attorney fees - limitations.\n\n> (10.7) (a) At least thirty days before initiating legal action to foreclose a lien under this section, the association shall provide written and electronic notice to the unit owner or the unit owner's designee that the unit owner has the right to engage in mediation prior to litigation.\n\nSource: <https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-38.pdf>\n", "file": "colorado.md", "generated": true, "harvested": "2026-09-02", "id": "colorado", "jurisdiction": "Colorado", "minimum_delinquency_threshold": "equals or exceeds six months of common expense assessments based on a periodic budget adopted by the association", "notice_gates": "initiating legal action to foreclose a lien under this section", "notice_period": "At least thirty days", "quote_minimum_delinquency_threshold": "(a) In a condominium or planned community, the association's lien may be foreclosed in like manner as a mortgage on real estate; except that the association or a holder or assignee of the association's lien, whether the holder or assignee of the association's lien is an entity or a natural person, may only foreclose on the lien if: (I) The balance of the assessments and charges secured by its lien, as defined in subsection (2) of this section, equals or exceeds six months of common expense assessments based on a periodic budget adopted by the association;", "quote_statute_citation": "38-33.3-316. Lien for assessments - liens for fines, fees, charges, costs, and attorney fees - limitations.", "source_quote": "(10.7) (a) At least thirty days before initiating legal action to foreclose a lien under this section, the association shall provide written and electronic notice to the unit owner or the unit owner's designee that the unit owner has the right to engage in mediation prior to litigation.", "sources": ["https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-38.pdf"], "stale_after": "2027-09-02", "statute_citation": "C.R.S. \u00a7 38-33.3-316(10.7)(a), (11)(a)(I)", "title": "Colorado \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Florida\n\n**Written notice required:** 45 days following the date the notice is deposited in the mail\n\n**Notice required before:** file a record of lien against a parcel for unpaid assessments\n\n**Statute:** Fla. Stat. \u00a7 720.3085(4)\n\n> F.S. 720.3085 720.3085 Payment for assessments; lien claims.\n\n> (4) A homeowners\u2019 association may not file a record of lien against a parcel for unpaid assessments unless a written notice or demand for past due assessments as well as any other amounts owed to the association pursuant to its governing documents has been made by the association. The written notice or demand must: (a) Provide the owner with 45 days following the date the notice is deposited in the mail to make payment for all amounts due, including, but not limited to, any attorney\u2019s fees and actual costs associated with the preparation and delivery of the written demand.\n\nSource: <https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0720/Sections/0720.3085.html>\n", "file": "florida.md", "generated": true, "harvested": "2026-09-02", "id": "florida", "jurisdiction": "Florida", "notice_gates": "file a record of lien against a parcel for unpaid assessments", "notice_period": "45 days following the date the notice is deposited in the mail", "quote_statute_citation": "F.S. 720.3085 720.3085 Payment for assessments; lien claims.", "source_quote": "(4) A homeowners\u2019 association may not file a record of lien against a parcel for unpaid assessments unless a written notice or demand for past due assessments as well as any other amounts owed to the association pursuant to its governing documents has been made by the association. The written notice or demand must: (a) Provide the owner with 45 days following the date the notice is deposited in the mail to make payment for all amounts due, including, but not limited to, any attorney\u2019s fees and actual costs associated with the preparation and delivery of the written demand.", "sources": ["https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0720/Sections/0720.3085.html"], "stale_after": "2027-09-02", "statute_citation": "Fla. Stat. \u00a7 720.3085(4)", "title": "Florida \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Nevada\n\n**Written notice required:** Not less than 30 days\n\n**Notice required before:** a notice of default and election to sell the unit to satisfy the lien\n\n**Statute:** NRS 116.31162(1)(b)\n\n> NRS 116.31162 Foreclosure of liens: Mailing or delivery of notice of delinquent assessment; recording of notice of default and election to sell; period during which unit\u2019s owner may pay lien to avoid foreclosure; limitations on type of lien that may be foreclosed.\n\n> (b) Not less than 30 days after mailing or delivering by electronic transmission the notice of delinquent assessment pursuant to paragraph (a), the association or other person conducting the sale has executed and caused to be recorded, with the county recorder of the county in which the common-interest community or any part of it is situated, a notice of default and election to sell the unit to satisfy the lien which must contain the same information as the notice of delinquent assessment and which must also comply with the following:\n\nSource: <https://www.leg.state.nv.us/nrs/nrs-116.html#NRS116Sec31162>\n", "file": "nevada.md", "generated": true, "harvested": "2026-09-02", "id": "nevada", "jurisdiction": "Nevada", "notice_gates": "a notice of default and election to sell the unit to satisfy the lien", "notice_period": "Not less than 30 days", "quote_statute_citation": "NRS 116.31162 Foreclosure of liens: Mailing or delivery of notice of delinquent assessment; recording of notice of default and election to sell; period during which unit\u2019s owner may pay lien to avoid foreclosure; limitations on type of lien that may be foreclosed.", "source_quote": "(b) Not less than 30 days after mailing or delivering by electronic transmission the notice of delinquent assessment pursuant to paragraph (a), the association or other person conducting the sale has executed and caused to be recorded, with the county recorder of the county in which the common-interest community or any part of it is situated, a notice of default and election to sell the unit to satisfy the lien which must contain the same information as the notice of delinquent assessment and which must also comply with the following:", "sources": ["https://www.leg.state.nv.us/nrs/nrs-116.html#NRS116Sec31162"], "stale_after": "2027-09-02", "statute_citation": "NRS 116.31162(1)(b)", "title": "Nevada \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** North Carolina\n\n**Written notice required:** No fewer than 15 days\n\n**Notice required before:** filing the lien\n\n**Minimum delinquency before foreclosure:** unpaid for 90 days or more\n\n> (f) Except as provided in subsection (h) of this section, the association, acting through the executive board, may foreclose a claim of lien in like manner as a mortgage or deed of trust on real estate under power of sale, as provided in Article 2A of Chapter 45 of the General Statutes, if the assessment remains unpaid for 90 days or more.\n\n**Statute:** N.C. Gen. Stat. \u00a7 47F-3-116(b), (f)\n\n> \u00a7 47F-3-116. Lien for sums due the association; enforcement.\n\n> No fewer than 15 days prior to filing the lien, the association shall mail a statement of the assessment amount due by first-class mail to the physical address of the lot and the lot owner's address of record with the association and, if different, to the address for the lot owner shown on the county tax records for the lot.\n\nSource: <https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_47F/GS_47F-3-116.html>\n", "file": "north-carolina.md", "generated": true, "harvested": "2026-09-02", "id": "north-carolina", "jurisdiction": "North Carolina", "minimum_delinquency_threshold": "unpaid for 90 days or more", "notice_gates": "filing the lien", "notice_period": "No fewer than 15 days", "quote_minimum_delinquency_threshold": "(f) Except as provided in subsection (h) of this section, the association, acting through the executive board, may foreclose a claim of lien in like manner as a mortgage or deed of trust on real estate under power of sale, as provided in Article 2A of Chapter 45 of the General Statutes, if the assessment remains unpaid for 90 days or more.", "quote_statute_citation": "\u00a7 47F-3-116. Lien for sums due the association; enforcement.", "source_quote": "No fewer than 15 days prior to filing the lien, the association shall mail a statement of the assessment amount due by first-class mail to the physical address of the lot and the lot owner's address of record with the association and, if different, to the address for the lot owner shown on the county tax records for the lot.", "sources": ["https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_47F/GS_47F-3-116.html"], "stale_after": "2027-09-02", "statute_citation": "N.C. Gen. Stat. \u00a7 47F-3-116(b), (f)", "title": "North Carolina \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Virginia\n\n**Written notice required:** at least 10 days\n\n**Notice required before:** filing a memorandum of lien\n\n**Minimum delinquency before foreclosure:** in excess of $5,000, exclusive of attorney fees and costs\n\n> I. The association may conduct a judicial or nonjudicial foreclosure sale upon a lot against which the association has perfected one or more liens pursuant to this section if the total sums secured are in excess of $5,000, exclusive of attorney fees and costs.\n\n**Statute:** Va. Code \u00a7 55.1-1833(C), (I)\n\n> \u00a7 55.1-1833. Lien for assessments; foreclosure\n\n> C. Prior to filing a memorandum of lien, a written notice shall be sent to the property owner by certified mail, at the property owner's last known address, informing the property owner that a memorandum of lien will be filed in the circuit court clerk's office of the applicable county or city. The notice shall be sent at least 10 days before the actual filing date of the memorandum of lien.\n\nSource: <https://law.lis.virginia.gov/vacode/title55.1/chapter18/section55.1-1833/>\n", "file": "virginia.md", "generated": true, "harvested": "2026-09-02", "id": "virginia", "jurisdiction": "Virginia", "minimum_delinquency_threshold": "in excess of $5,000, exclusive of attorney fees and costs", "notice_gates": "filing a memorandum of lien", "notice_period": "at least 10 days", "quote_minimum_delinquency_threshold": "I. The association may conduct a judicial or nonjudicial foreclosure sale upon a lot against which the association has perfected one or more liens pursuant to this section if the total sums secured are in excess of $5,000, exclusive of attorney fees and costs.", "quote_statute_citation": "\u00a7 55.1-1833. Lien for assessments; foreclosure", "source_quote": "C. Prior to filing a memorandum of lien, a written notice shall be sent to the property owner by certified mail, at the property owner's last known address, informing the property owner that a memorandum of lien will be filed in the circuit court clerk's office of the applicable county or city. The notice shall be sent at least 10 days before the actual filing date of the memorandum of lien.", "sources": ["https://law.lis.virginia.gov/vacode/title55.1/chapter18/section55.1-1833/"], "stale_after": "2027-09-02", "statute_citation": "Va. Code \u00a7 55.1-1833(C), (I)", "title": "Virginia \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}
{"asset": "hoa-lien-foreclosure-notice-requirements-by-state", "body": "**State:** Washington\n\n**Written notice required:** no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed\n\n**Notice required before:** commence an action to foreclose a lien on a unit under this section\n\n**Minimum delinquency before foreclosure:** at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments\n\n> (22) An association may not commence an action to foreclose a lien on a unit under this section unless: (a) The unit owner, at the time the action is commenced, owes at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; (b) At or after the date that assessments have become past due for at least 90 days, but no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed, the association has mailed, by first-class mail, to the owner, at the unit address and to any other address which the owner has provided to the association, a second notice of delinquency, which must include a second preforeclosure notice that contains the same information as the first preforeclosure notice provided to the owner pursuant to subsection (21)(a) of this section.\n\n**Statute:** RCW 64.90.485(22)\n\n> RCW 64.90.485 Liens\u2014Enforcement\u2014Notice of delinquency\u2014Second notice.\n\n> (22) An association may not commence an action to foreclose a lien on a unit under this section unless: (a) The unit owner, at the time the action is commenced, owes at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; (b) At or after the date that assessments have become past due for at least 90 days, but no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed, the association has mailed, by first-class mail, to the owner, at the unit address and to any other address which the owner has provided to the association, a second notice of delinquency, which must include a second preforeclosure notice that contains the same information as the first preforeclosure notice provided to the owner pursuant to subsection (21)(a) of this section.\n\nSource: <https://app.leg.wa.gov/rcw/default.aspx?cite=64.90.485>\n", "file": "washington.md", "generated": true, "harvested": "2026-09-02", "id": "washington", "jurisdiction": "Washington", "minimum_delinquency_threshold": "at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments", "notice_gates": "commence an action to foreclose a lien on a unit under this section", "notice_period": "no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed", "quote_minimum_delinquency_threshold": "(22) An association may not commence an action to foreclose a lien on a unit under this section unless: (a) The unit owner, at the time the action is commenced, owes at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; (b) At or after the date that assessments have become past due for at least 90 days, but no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed, the association has mailed, by first-class mail, to the owner, at the unit address and to any other address which the owner has provided to the association, a second notice of delinquency, which must include a second preforeclosure notice that contains the same information as the first preforeclosure notice provided to the owner pursuant to subsection (21)(a) of this section.", "quote_statute_citation": "RCW 64.90.485 Liens\u2014Enforcement\u2014Notice of delinquency\u2014Second notice.", "source_quote": "(22) An association may not commence an action to foreclose a lien on a unit under this section unless: (a) The unit owner, at the time the action is commenced, owes at least a sum equal to the greater of: (i) Three months or more of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; or (ii) $2,000 of assessments, not including fines, late charges, interest, attorneys' fees, or costs incurred by the association in connection with the collection of a delinquent owner's account; (b) At or after the date that assessments have become past due for at least 90 days, but no sooner than 60 days after the first preforeclosure notice required in subsection (21)(a) of this section is mailed, the association has mailed, by first-class mail, to the owner, at the unit address and to any other address which the owner has provided to the association, a second notice of delinquency, which must include a second preforeclosure notice that contains the same information as the first preforeclosure notice provided to the owner pursuant to subsection (21)(a) of this section.", "sources": ["https://app.leg.wa.gov/rcw/default.aspx?cite=64.90.485"], "stale_after": "2027-09-02", "statute_citation": "RCW 64.90.485(22)", "title": "Washington \u2014 HOA/condo assessment lien and foreclosure notice requirements by US state \u2014 quoted from the state common-interest-community statute", "type": "jurisdictional-variation", "verified": false}