Kentucky has no single HOA assessment law. Condominiums get an automatic lien under KRS 381.9193, and planned communities formed after June 29, 2023 get a continuing lien under KRS 381.799. Older traditional HOAs rely on their recorded declaration plus general nonprofit and contract law to collect dues.
Kentucky condominiums fall under KRS 381.9193, which gives the association a lien on a unit 'for any assessment levied against that unit or fines imposed' that 'may be foreclosed in like manner as a mortgage on real estate'; recording the declaration perfects the lien, and proceedings must begin 'within five (5) years after the full amount of the assessments becomes due.' Planned communities created after June 29, 2023 get a 'continuing lien' under KRS 381.799 for assessments, fines, late fees, and attorney fees unpaid 30 days after due. Traditional single-family HOAs predating that date have no general statute, so lien power comes from the recorded declaration, enforced as a contract.
No specific statewide statutory penalty for a delinquent owner beyond the debt. A condo or post-2023 planned-community owner faces interest, late fees, collection costs, attorney fees, and judicial foreclosure of the lien; older HOAs collect through whatever remedies the declaration and contract law allow.
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