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🏘️ HOA Rules/Assessment & Dues

Assessment & Dues: Lowell vs Pepperell

How do assessment & dues rules compare between Lowell, MA and Pepperell, MA?

Lowell and Pepperell have similar restriction levels.

Lowell, MA

Middlesex County

Heavy Restrictions

Lowell condo associations may levy common area assessments under MGL c.183A, with a super-priority lien for up to 6 months of unpaid common charges that takes priority over a first mortgage.

View full Lowell rules β†’

Pepperell, MA

Middlesex County

Heavy Restrictions

Under MGL c.183A s.6, condo assessments are a lien on the unit with super-lien priority for up to six months of common expenses over first mortgages.

View full Pepperell rules β†’

Key Facts Comparison

FactLowellPepperell
Super-priority lien6 months over mortgage-
StatuteMGL c.183A s.6MGL c.183A s.6
Assessment basisUnit percentage interest-
Withholding allowedNo, pay under protest-
Super-lien-Up to 6 months priority
Share basis-Percentage interest
Special assessments-Bylaw-governed
Collection venue-Housing or Superior Court

Highlighted rows indicate differences between cities.

Lowell FAQ

Can I withhold my condo fee for poor service?

No. Courts require payment regardless of disputes; recover damages in a separate action.

What is the 6-month super-priority lien?

Up to 6 months of unpaid condo fees take priority over a first mortgage in foreclosure.

Pepperell FAQ

Can my condo foreclose over unpaid fees?

Yes. MGL c.183A s.6 allows the association to foreclose on its lien for unpaid common expenses.

Do fees survive foreclosure?

Up to six months of unpaid common expenses have priority over the first mortgage.

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