FL 720.3085 governs HOA assessments. Regular and special assessments allowed per declaration. Unpaid assessments accrue interest up to 18% and may result in lien and foreclosure. Safe harbor for first mortgagees.
Assessments must be levied per governing documents and pro-rata share defined in declaration. Late fees up to 25 or 5% of assessment, whichever is greater (FL 720.3085). Interest up to 18% annual. Claim of lien recorded after 45-day notice; foreclosure after additional 45-day pre-lawsuit notice. First mortgagee liability capped at lesser of 12 months or 1% of original mortgage (safe harbor). Special assessments require board approval and notice per documents.
Delinquent assessments: late fees, interest, lien, attorney fees, foreclosure. Improper lien recording: member may recover damages and fees.
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