HOA assessments in Mecklenburg County are a lien on the property under NCGS 47F-3-116. Associations may foreclose non-judicially for unpaid assessments but must first provide 15 days written notice and board authorization.
Under NCGS 47F-3-116, the lien arises when the assessment becomes due. Special assessments require the procedure set in the declaration, often owner vote for amounts over a stated threshold. Late fees, attorney fees, and collection costs add to the lien. Before foreclosure, the association must hold a special board meeting specifically authorizing foreclosure and send certified mail notice. Homeowners may demand mediation under NCGS 7A-38.3F. Assessments continue to accrue during a dispute.
Contact your local code enforcement office for specific penalty information.
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