California HOAs may levy regular and special assessments, charge late fees and interest, record liens, and ultimately foreclose on delinquent owners under the Davis-Stirling Act. State law (Civil Code sections 5650-5740) caps fees and interest and imposes strict notice steps and a delinquency threshold before any foreclosure may proceed.
Under Civil Code section 5650, an assessment is delinquent 15 days after it is due. The HOA may add a late charge of 10% of the delinquent amount or $10, whichever is greater, plus interest up to 12% per year and reasonable collection costs and attorney's fees. Before recording a lien, the association must mail a 30-day itemized pre-lien notice by certified mail (section 5660). Section 5720 bars nonjudicial foreclosure to collect regular assessments unless the delinquency (excluding fees, interest, and late charges) reaches $1,800 or is more than 12 months overdue. Smaller debts must be pursued via small claims or a recorded lien instead.
Owners who fall behind face late fees, 12% interest, collection costs, attorney's fees, a recorded lien and, once the $1,800/12-month threshold is met, judicial or nonjudicial foreclosure and forced sale of the home.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
El Cajon, CA
El Cajon prohibits amplified sound reproduction that disturbs the peace, quiet, or comfort of neighboring residents or businesses. Horn, bell, or mechanical ...
El Cajon, CA
El Cajon addresses barking dogs through general noise provisions and animal control. Animals must be kept so as not to create offensive noise affecting surro...
El Cajon, CA
El Cajon prohibits leaf blower operation between 7 PM and 7 AM within residential zones or 500 feet of them. CA AB 1346 banned the sale of new gas-powered bl...
El Cajon, CA
Industrial and commercial noise in El Cajon is regulated by the zoning performance standards in ECMC Chapter 17.200. Sound levels from any operation or land ...
El Cajon, CA
El Cajon prohibits construction, maintenance, and repair work between 7 PM and 7 AM within residential zones or 500 feet of them. Leaf blowers, mowers, and p...
El Cajon, CA
El Cajon requires paved driveways and off-street parking per ECMC Section 17.245. Off-street parking may not be within 10 feet of a public street, except aut...
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