HOA Liens and Foreclosure in Oregon
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Oregon, and the limits.
Short answer: Yes. A homeowners association has a lien on a lot for unpaid assessments (including interest, late charges, attorney fees and costs). ORS 94.709
| HOA liens and foreclosure | Yes. A homeowners association has a lien on a lot for unpaid assessments (including interest, late charges, attorney fees and costs). The lien is ahead of the homestead exemption but behind tax liens and a first mortgage or trust deed of record. The association must record a notice of claim of lien before suing to foreclose, and the foreclosure follows the procedure for construction liens (a court proceeding). The lien may be continued for up to six years from the date the assessment is due. Source: ORS 94.709 |
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More Oregon foreclosure & homeowner law
- How Foreclosure Works in Oregon
- Redemption and Deficiency Judgments in Oregon
- Getting Your Home Back After a Tax Sale in Oregon
- All Oregon foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Oregon?
Yes. A homeowners association has a lien on a lot for unpaid assessments (including interest, late charges, attorney fees and costs). The lien is ahead of the homestead exemption but behind tax liens and a first mortgage or trust deed of record. The association must record a notice of claim of lien before suing to foreclose, and the foreclosure follows the procedure for construction liens (a court proceeding). The lien may be continued for up to six years from the date the assessment is due.
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.