Assessment & Dues: Kirkland vs Seattle
How do assessment & dues rules compare between Kirkland, WA and Seattle, WA?
Seattle has fewer restrictions than Kirkland.
Kirkland, WA
King County
Kirkland HOA dues, special assessments, and collection procedures follow RCW 64.90, which caps late fees and sets strict lien and foreclosure procedures.
View full Kirkland 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 | Kirkland | Seattle |
|---|---|---|
| Primary statute | RCW 64.90 WUCIOA | - |
| Interest cap | 12 percent per year | - |
| Late fee | About 10 percent typical | - |
| Lien priority | 6 months over mortgage | - |
| Special assessment | Member vote typical | - |
| 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.
Kirkland FAQ
Can my HOA raise dues without member approval?
Regular annual budget increases can occur if ratified under the declaration process, but special assessments for non-routine projects typically require a member vote.
Can the HOA foreclose for unpaid dues?
Yes under RCW 64.90, but only after proper delinquency notice, opportunity to cure, and judicial process; courts strongly favor payment plans and will not allow foreclosure for trivial amounts without proper process.
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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