# North Carolina — HOA/condo assessment lien and foreclosure notice requirements by US state — quoted from the state common-interest-community statute

For North Carolina, written notice required is No fewer than 15 days; notice required before is filing the lien; minimum delinquency before foreclosure is unpaid for 90 days or more; statute is N.C. Gen. Stat. § 47F-3-116(b), (f), recorded from its source on 2026-09-02.

- **State:** North Carolina _(our reading, not quoted from the source)_
- **Written notice required:** No fewer than 15 days _(verified: appears in the quote below)_
- **Notice required before:** filing the lien _(verified: appears in the quote below)_
- **Minimum delinquency before foreclosure:** unpaid for 90 days or more _(verified: appears in its own passage below)_
- **Statute:** N.C. Gen. Stat. § 47F-3-116(b), (f) _(our reading, not quoted from the source)_

## What the source says

> 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.

## Where each value comes from

This source states these in separate places, so each value is shown with the passage that states it.

### Minimum delinquency before foreclosure

> (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.

### Statute

> § 47F-3-116. Lien for sums due the association; enforcement.

## Source

- https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_47F/GS_47F-3-116.html

Last verified: 2026-09-02. Review by: 2027-09-02.
Part of [HOA/condo assessment lien and foreclosure notice requirements by US state — quoted from the state common-interest-community statute](https://referencesource.org/hoa-lien-foreclosure-notice-requirements-by-state/).