HOA Liens and Foreclosure in Maryland
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Maryland, and the limits.
Short answer: Yes, with limits. Under the Maryland Contract Lien Act, a lien may be foreclosed in the same way as a mortgage or deed of trust with a power of sale, and the foreclosure must be brought within 12 years after the statement of lien is recorded. Md. Code, Real Prop. § 14-204
| HOA liens and foreclosure | Yes, with limits. Under the Maryland Contract Lien Act, a lien may be foreclosed in the same way as a mortgage or deed of trust with a power of sale, and the foreclosure must be brought within 12 years after the statement of lien is recorded. A condominium or homeowners association may foreclose its lien only if the amount secured consists of delinquent regular or special assessments (plus interest) and reasonable lien-related costs and attorney's fees not exceeding the delinquent assessments, and does not include fines or fees for collecting fines. Source: Md. Code, Real Prop. § 14-204 |
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More Maryland foreclosure & homeowner law
- How Foreclosure Works in Maryland
- Getting Your Home Back After a Tax Sale in Maryland
- All Maryland foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Maryland?
Yes, with limits. Under the Maryland Contract Lien Act, a lien may be foreclosed in the same way as a mortgage or deed of trust with a power of sale, and the foreclosure must be brought within 12 years after the statement of lien is recorded. A condominium or homeowners association may foreclose its lien only if the amount secured consists of delinquent regular or special assessments (plus interest) and reasonable lien-related costs and attorney's fees not exceeding the delinquent assessments, and does not include fines or fees for collecting fines.
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.