Jacksonville, FL HOA Rules: Assessment & Dues (2026)
Key Facts
- Pre-Lien Notice
- 45 days written demand
- Interest Cap
- 18% per annum
- Late Fee
- Greater of $25 or 5%
- Foreclosure
- Judicial (court action)
Summary
Florida Statute Chapter 720 governs HOA assessments. Before placing a lien for unpaid assessments, the association must send a written demand granting at least 45 days to pay. The association may file a lien in the county recorder's office and pursue judicial foreclosure for unpaid assessments.
(1) 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 co
Full Breakdown
3085, a property owners' association has a lien on each parcel for unpaid assessments, plus interest, late charges, and costs of collection. Before recording a claim of lien, the association must give the owner at least 45 days written notice by first-class mail (or hand delivery) of the total amount due, including any fees, interest, and collection costs. The notice must include a description of the property and a statement that the association may record a lien against the property if payment is not received.
The association may charge interest on delinquent assessments at the rate stated in the governing documents (not to exceed 18% per annum). Late fees are limited to the greater of $25 or 5% of the delinquent assessment. The association may foreclose a lien through judicial foreclosure proceedings in circuit court. Special assessments may be levied by the board without member vote unless the governing documents require otherwise. The annual budget must be provided to members at least 14 days before the budget meeting. Jacksonville Duval County Clerk of Court records HOA liens.
Violations & Fines
Delinquent assessments: interest up to 18% per annum, late fees (greater of $25 or 5%). Lien filing after 45-day notice. Judicial foreclosure proceedings.
Frequently Asked Questions
Can my Jacksonville HOA foreclose for unpaid assessments?
What late fees can my HOA charge on unpaid assessments?
Sources & Official References
Other rules in Jacksonville
Florida rules heatmap·Compare Jacksonville to another location·View the Florida hoa rules overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.