HOA Liens and Foreclosure in Missouri
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Missouri, and the limits.
Short answer: Yes, for condominiums under the Uniform Condominium Act. The condo association has a lien on a unit for assessments and fines from the time they are due, and it may foreclose the lien like a mortgage, including by power of sale under Chapter 443. Mo. Rev. Stat. § 448.3-116
| HOA liens and foreclosure | Yes, for condominiums under the Uniform Condominium Act. The condo association has a lien on a unit for assessments and fines from the time they are due, and it may foreclose the lien like a mortgage, including by power of sale under Chapter 443. The lien has limited priority over an earlier first mortgage for up to six months of regular common-expense assessments, but the association loses that priority if it forecloses nonjudicially. The lien ends unless the association starts enforcement within three years after the assessments become due. If a rented unit's owner is more than 60 days behind, the association may demand that the tenant pay rent to it. This section covers condominiums under Chapter 448; liens of other homeowners associations depend on the recorded declaration. Source: Mo. Rev. Stat. § 448.3-116 |
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More Missouri foreclosure & homeowner law
- How Foreclosure Works in Missouri
- Redemption and Deficiency Judgments in Missouri
- Getting Your Home Back After a Tax Sale in Missouri
- All Missouri foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Missouri?
Yes, for condominiums under the Uniform Condominium Act. The condo association has a lien on a unit for assessments and fines from the time they are due, and it may foreclose the lien like a mortgage, including by power of sale under Chapter 443. The lien has limited priority over an earlier first mortgage for up to six months of regular common-expense assessments, but the association loses that priority if it forecloses nonjudicially. The lien ends unless the association starts enforcement within three years after the assessments become due. If a rented unit's owner is more than 60 days behind, the association may demand that the tenant pay rent to it.
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.