Palm Beach County, FL HOA Rules: Assessment & Dues (2026)
Key Facts
- Late Fee Cap
- $25 or 5% greater
- Interest Cap
- 18% per year
- Lien Notice
- 45 days pre-lien
- Foreclosure Notice
- 45 days pre-foreclosure
- Estoppel Cap
- $299 standard
Summary
HOA assessments in Palm Beach County are governed by FL §720.308. Annual budget and assessments require board approval; special assessments may require member vote per the declaration. Late fees capped at $25 or 5 percent, whichever is greater. Interest at the rate stated in declaration up to 18 percent.
720.3085  Payment for assessments; lien claims. — (1)  When authorized by the governing documents, the association has a lien on each parcel to secure the payment of assessments and other amounts provided for by this section. Except as otherwise set forth in this section, the lien is effective from and shall relate back to the date on which the original declaration of the community was recorded. However, as to first mortgages of record, the lien is effective from and after recording of a claim of lien in the public records of the county in which the parcel is located. (a)  To be valid, a claim of lien must state the description of the parcel, the name of the record owner, the name and address of the association, the assessment amount due, and the due date. The claim of lien secures all unpaid assessments that are due and that may accrue subsequent to the recording of the claim of lien and before entry of a certificate of title, as well as interest, late charges, and reasonable costs and attorney fees incurred by the association incident to the collection process. The person making payment is entitled to a satisfaction of the lien upon payment in full.
Full Breakdown
FL §720.308(1)(a) authorizes assessments to fund operating expenses, reserves, and capital improvements. Budget meetings must be noticed at least 14 days in advance. Special assessments above amounts authorized in budget typically require membership vote (per individual declaration). Liens for unpaid assessments arise automatically under FL §720.3085. Foreclosure permitted but requires 45-day pre-lien notice and 45-day pre-foreclosure notice. Estoppel certificates capped at $299 fee under FL §720.30851 (higher for delinquent accounts).
Violations & Fines
Excessive late fees or interest: void to extent over statutory cap. Improper foreclosure without notice: foreclosure dismissed and HOA liable for owner attorney fees. Failure to maintain reserves: potential personal liability for board.
Sources & Official References
- [1]FL §720.3085
Other rules in Palm Beach County
Florida rules heatmap·Compare Palm Beach County to another location·View the Florida hoa rules overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.