Live Oak vs San Antonio
How do assessment & dues rules compare between Live Oak, TX and San Antonio, TX?
Live Oak has fewer restrictions than San Antonio.
Live Oak, TX
Bexar County
HOAs in Live Oak may levy regular and special assessments but must send statutory collection notices under Texas Property Code 209.0064 before placing liens or pursuing foreclosure.
View full Live Oak rules →San Antonio, TX
Bexar County
Texas Property Code Chapter 209 governs HOA assessments and liens. Associations with 15 or more lots must offer payment plans for overdue assessments (minimum 3-month term). Before filing a lien, the HOA must send a written notice allowing at least 30 days to cure. HOAs may foreclose on assessment liens but must follow strict notice and procedural requirements.
View full San Antonio rules →Key Facts Comparison
| Fact | Live Oak | San Antonio |
|---|---|---|
| Notice Statute | Tex. Prop. Code 209.0064 | - |
| Payment Plan | 209.0062 required | 3 months minimum (15+ lot HOAs) |
| Foreclosure | Court order under 209.0092 | - |
| Payment Priority | Assessments first 209.0063 | - |
| Notice Before Lien | - | 30 days certified mail |
| Foreclosure Notice | - | 60 days before filing |
| Foreclosure Type | - | Judicial only |
Highlighted rows indicate differences between cities.
Live Oak FAQ
Can the HOA foreclose for $300 unpaid?
Rarely; requires court order and Texas caps small-balance foreclosures.
Do I have to accept a payment plan?
HOA must offer one at least once per 12 months under 209.0062.
San Antonio FAQ
Can my HOA foreclose on my home for unpaid assessments in San Antonio?
Yes, but only through judicial foreclosure (court action). The HOA must first send a 30-day notice to cure, offer a payment plan if it has 15+ lots, and then provide a 60-day notice of intent to foreclose.
Does my HOA have to offer a payment plan for overdue assessments?
Yes, if the association has 15 or more lots. Texas Property Code Section 209.0063 requires a payment plan of at least 3 months.
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