HOA Liens and Foreclosure in Kentucky
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Kentucky, and the limits.
Short answer: Yes. A condominium association has a lien on a unit for assessments and fines that may be foreclosed in the same way as a mortgage; KRS 381.9193; KRS 381.883; KRS 381.799
| HOA liens and foreclosure | Yes. A condominium association has a lien on a unit for assessments and fines that may be foreclosed in the same way as a mortgage; it ranks behind a first mortgage recorded before the assessment became delinquent and behind property taxes, and it ends unless enforcement starts within five years after the assessments are fully due. Under the older Horizontal Property Law, a council of co-owners' lien for unpaid common expenses may likewise be enforced by suit like a mortgage. For planned communities (homeowners associations), the association has a continuing lien for unpaid assessments, fees and related charges that remain unpaid 30 days after coming due; once recorded, it ranks behind tax liens and any mortgage recorded earlier. KRS 381.799 (planned communities) was read; it creates the lien but the section read does not itself describe how the lien is foreclosed. |
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More Kentucky foreclosure & homeowner law
- How Foreclosure Works in Kentucky
- Redemption and Deficiency Judgments in Kentucky
- Getting Your Home Back After a Tax Sale in Kentucky
- All Kentucky foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Kentucky?
Yes. A condominium association has a lien on a unit for assessments and fines that may be foreclosed in the same way as a mortgage; it ranks behind a first mortgage recorded before the assessment became delinquent and behind property taxes, and it ends unless enforcement starts within five years after the assessments are fully due. Under the older Horizontal Property Law, a council of co-owners' lien for unpaid common expenses may likewise be enforced by suit like a mortgage. For planned communities (homeowners associations), the association has a continuing lien for unpaid assessments, fees and related charges that remain unpaid 30 days after coming due; once recorded, it ranks behind tax liens and any mortgage recorded earlier.
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.