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Canal Winchester, OH HOA Rules: Assessment & Dues (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified April 2026

Key Facts

Authority
ORC 5312.11 and 12
Budget
Annual required
Lien
Auto after notice
Foreclosure
12 months typical
Interest
ORC 1343.03 default

Summary

HOA assessments in Canal Winchester planned communities are governed by ORC 5312.11 and 5312.12. Associations may levy regular and special assessments per the declaration. Unpaid assessments become liens on the lot and can be foreclosed after 12 months of delinquency.

(A) The owners association has a lien upon the estate or interest in any lot for the payment of any assessment or charge levied in accordance with section 5312.11 of the Revised Code, as well as any related interest, administrative late fees, enforcement assessments, collection costs, attorney's fees, and paralegal fees, that are chargeable against the lot and that remain unpaid ten days after any portion has become due and payable. (B) All of the following apply to a lien charged against a property pursuant to this section: (1) The lien is effective on the date that a certificate of lien is filed for record in the office of the recorder of the county or counties in which the lot is situated, pursuant to authorization by the board of directors of the owners association. The certificate shall contain a description of the lot, the name of the record owner of the lot, and the amount of the unpaid assessment or charge. It shall be subscribed to by the president of the board or other designated representative of the owners association. (2) The lien is a continuing lien upon the lot against which each assessment or charge is made, subject to automatic subsequent adjustments reflecting any additional unpaid interest, administrative late fees, enforcement assessments, collection costs, attorney's fees, paralegal fees, and court costs. (3) The lien is valid for a period of five years from the date of filing, unless it is sooner released or satisfied in the same manner provided by law for the release and satisfaction of mortgages on real property or unless it is discharged by the final judgment or order of a court in an action brought to discharge the lien as provided in this section. (4) The lien is prior to any lien or encumbrance subsequently arising or created, except liens for real estate taxes and assessments of political subdivisions and liens of first mortgages that have been filed for record prior to the recording of the lien, and may be foreclosed in the same manner as a mortgage on real property in an action brought by the owners association.

Full Breakdown

Regular assessments fund common-area maintenance, insurance, reserves, and management. Special assessments require owner vote per bylaws for amounts above declaration thresholds. ORC 5312.11(A) requires the board to adopt an annual budget. Owners must receive notice of assessment increases. Late fees are typically 10 to 15 percent; interest cannot exceed the statutory rate under ORC 1343.03 (currently 5 percent) unless the declaration sets a specific rate. The association may record a lien for unpaid assessments after providing the statutory notice under ORC 5312.12, and may foreclose if delinquency exceeds 12 months or as declaration permits.

Violations & Fines

Non-payment: late fees, interest, lien, attorneys fees, and eventual foreclosure under ORC 5312.12. Owners may still be liable for rental income garnishment in rented properties.

Sources & Official References

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