Charlotte vs Matthews
How do assessment & dues rules compare between Charlotte, NC and Matthews, NC?
Charlotte has fewer restrictions than Matthews.
Charlotte, NC
Mecklenburg County
Under the NC Planned Community Act (Chapter 47F), HOAs in Charlotte may levy assessments as provided in their declarations. The association has a statutory lien on each lot for unpaid assessments under Section 47F-3-116. If assessments are overdue for 90 days, the association may initiate foreclosure proceedings after board approval and mailed notice to the homeowner. The lien has priority over most other liens except tax liens and first mortgages.
View full Charlotte rules →Matthews, NC
Mecklenburg County
Matthews HOAs may levy regular and special assessments under NCGS 47F-3-102 and the declaration. Unpaid assessments become liens on the unit with foreclosure authority after notice. Late fees, interest, and attorney fees recoverable.
View full Matthews rules →Key Facts Comparison
| Fact | Charlotte | Matthews |
|---|---|---|
| Statutory Lien | Automatic from date assessment is due (Section 47F-3-116) | - |
| Foreclosure Threshold | 90 days delinquent | - |
| Pre-Lien Notice | 15 days by first-class mail required | - |
| No Foreclosure For | Debts consisting solely of fines | - |
| Lien Priority | Behind tax liens and first mortgages only | - |
| Lien | - | Automatic |
| Foreclosure | - | After 30-day notice |
| Authority | - | NCGS 47F-3-116 |
| Late Fees | - | Per declaration |
Highlighted rows indicate differences between cities.
Charlotte FAQ
Can my Charlotte HOA foreclose on my home for unpaid dues?
Yes. Under NC law, if assessments are overdue for 90 days, the board may authorize foreclosure of the assessment lien after providing a 15-day pre-lien notice. However, the association cannot foreclose if the debt consists solely of fines.
What is the lien priority for HOA assessments in Charlotte?
The HOA's assessment lien has priority over most other liens except tax liens, liens recorded before the declaration, and first mortgage or deed of trust liens. This is established under Section 47F-3-116.
Matthews FAQ
Who enforces this in Matthews?
Matthews at (704) 847-4411 handles most complaints.
Who enforces this in Matthews?
Matthews at (704) 847-4411 handles most complaints.
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