Assessment & Dues: Federal Way vs Seattle
How do assessment & dues rules compare between Federal Way, WA and Seattle, WA?
Seattle has fewer restrictions than Federal Way.
Federal Way, WA
King County
Federal Way HOAs may levy regular and special assessments under RCW 64.90 or 64.38. Unpaid assessments become liens and may be foreclosed after statutory notice and cure periods.
View full Federal Way rules →Seattle, WA
King County
HOA assessments in Seattle are governed by WUCIOA (RCW 64.90). Associations must adopt an annual budget and may levy regular and special assessments. Special assessments require member approval unless the declaration provides otherwise. Assessment liens are priority liens for up to six months of unpaid assessments, taking priority over first mortgages.
View full Seattle rules →Key Facts Comparison
| Fact | Federal Way | Seattle |
|---|---|---|
| Primary Statutes | RCW 64.90 or 64.38 | - |
| Special Assessments | Allowed with procedures | - |
| Lien Super-Priority | Six months under WUCIOA | - |
| Foreclosure | Allowed after notice | - |
| Late Fees | Per statute and CCRs | - |
| Budget Notice | - | 30 days before fiscal year start |
| Priority Lien | - | Up to 6 months unpaid assessments |
| Default Interest Rate | - | 12% per year if not specified |
| Collection Costs | - | Reasonable attorney fees recoverable |
| Lien Notice | - | 30 days written notice required |
Highlighted rows indicate differences between cities.
Federal Way FAQ
Can my Federal Way HOA foreclose for unpaid dues?
Yes, after recording a lien and providing statutory notice and cure periods under RCW 64.90 or 64.38.
What is lien super-priority?
Under WUCIOA, up to six months of HOA assessments have priority over a first mortgage, letting the HOA recover even if the lender forecloses.
Seattle FAQ
Can a Seattle HOA place a lien on my home for unpaid dues?
Yes. Under RCW 64.90.485, the association has a statutory lien for unpaid assessments. Up to six months of unpaid assessments constitute a priority lien that takes precedence over first mortgages.
How much notice is required before an HOA assessment lien?
The association must provide at least 30 days written notice before recording an assessment lien against a unit.
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