Assessment & Dues: Redmond vs Seattle
How do assessment & dues rules compare between Redmond, WA and Seattle, WA?
Seattle has fewer restrictions than Redmond.
Redmond, WA
King County
Redmond HOA assessments follow RCW 64.90 (WUCIOA). Unpaid amounts become a statutory lien that can be foreclosed after notice. A 6-month super-lien applies. Reserve studies are required every 3 years.
View full Redmond 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 | Redmond | Seattle |
|---|---|---|
| Governing Law | RCW 64.90 / 64.34 / 64.38 | - |
| Lien Priority | Statutory, super-lien 6 months | - |
| Reserve Study | Every 3 years, annual update | - |
| Pre-Foreclosure Notice | ~90 days | - |
| Resale Disclosure | RCW 64.90.640 | - |
| 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.
Redmond FAQ
Can a Redmond HOA foreclose for unpaid dues?
Yes. Washington law creates a statutory lien for unpaid assessments that can be foreclosed judicially after notice, typically at least 90 days, under RCW 64.90.545.
Must a Redmond HOA do a reserve study?
Yes. RCW 64.90.550 requires a reserve study every 3 years with annual updates for most common interest communities governed by WUCIOA.
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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