HOA Liens and Foreclosure in Arizona
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Arizona, and the limits.
Short answer: Yes, with limits. A planned-community or condominium association's lien for assessments may be foreclosed like a mortgage, but only if the owner has been delinquent for 18 months or owes $10,000 or more, whichever comes first. Ariz. Rev. Stat. §§ 33-1807 (planned communities), 33-1256 (condominiums)
| HOA liens and foreclosure | Yes, with limits. A planned-community or condominium association's lien for assessments may be foreclosed like a mortgage, but only if the owner has been delinquent for 18 months or owes $10,000 or more, whichever comes first. The board must make reasonable efforts to communicate with the owner and offer a reasonable payment plan before filing. Fines and other "member expenses" cannot be foreclosed. The association's lien is generally junior to a recorded first mortgage. Re-verified 2026-10-27. |
|---|
More Arizona foreclosure & homeowner law
- How Foreclosure Works in Arizona
- Redemption and Deficiency Judgments in Arizona
- Getting Your Home Back After a Tax Sale in Arizona
- All Arizona foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Arizona?
Yes, with limits. A planned-community or condominium association's lien for assessments may be foreclosed like a mortgage, but only if the owner has been delinquent for 18 months or owes $10,000 or more, whichever comes first. The board must make reasonable efforts to communicate with the owner and offer a reasonable payment plan before filing. Fines and other "member expenses" cannot be foreclosed. The association's lien is generally junior to a recorded first mortgage.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.