Florida Condo Associations Can Lien & Foreclose for Unpaid Fees

Strong Statutory Powers

Under Florida Statutes Chapter 718 (Condominium Act), associations have robust collection tools:

Lien Authority

• Automatic lien attaches at assessment due date (§718.116).
• Covers assessments, late fees (≤1.5%/mo), interest, costs, attorney fees.
• Priority: Superior to most liens except first mortgage (and tax liens).

Foreclosure Process

1. Demand letter (30 days).
2. Lien recording (claim of lien).
3. Lawsuit (circuit court).
4. Judgment → foreclosure sale (public auction).
5. Certificate of title to buyer (association often buys).

Owner Protections

• Notice requirements strict (certified mail, posting).
• Right to cure before sale (pay full amount).
• Homestead exemption does not shield from condo lien foreclosure.
• Bankruptcy stays but doesn't extinguish lien (usually).

Practical Advice

• Pay on time – auto-pay.
• Communicate early if hardship – payment plans possible.
• Request ledger – verify charges.
• Attend meetings – vote on budgets.

Florida law favors associations. Ignoring fees risks losing your unit—even with a mortgage.