Delray Beach, FL HOA Rules: Assessment & Dues (2026)
Key Facts
- State Law
- FL 720.3085
- Late Fee
- 25 dollars or 5 percent
- Interest
- 18 percent annual
- Pre-Lien Notice
- 45 days
- Pre-Foreclosure
- Another 45 days
Summary
HOAs in Delray Beach levy assessments under FL 720.3085. Unpaid assessments create a lien senior to most liens except first mortgages and tax liens. 45-day notice of intent to lien and 45-day notice of intent to foreclose required.
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. This subsection does not bestow upon any lien, mortgage, or certified judgment of record on July 1, 2008, including the lien for unpaid assessments created in this section, a priority that, by law, the lien, mortgage, or judgment
Full Breakdown
FL 720.3085 authorizes HOAs to collect regular and special assessments, late fees up to 25 dollars or 5 percent (whichever is greater), and 18 percent annual interest on unpaid balances. A claim of lien may be filed after notice and recorded in Palm Beach County. Associations must send pre-lien notice giving 45 days to pay before filing, and separate 45-day pre-foreclosure notice. First mortgages have priority but banks foreclosing owe up to 12 months of back dues or 1 percent of mortgage (safe harbor under FL 720.3085(2)(c)).
Violations & Fines
Associations that miss statutory notice steps can lose lien priority. Attorney-fee shifting applies under FL 720.305.
Frequently Asked Questions
How much can my Delray Beach HOA charge in late fees?
Sources & Official References
- [1]FL 720.3085
Other rules in Delray Beach
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Assessment & Dues in Nearby Cities
How other cities in Palm Beach County handle assessment & dues.