Spokane HOA assessments are governed by RCW 64.38 and RCW 64.90. Boards can levy regular and special assessments per CC and Rs. WUCIOA requires annual budgets and reserve studies. Unpaid assessments become liens under RCW 64.38.150 or RCW 64.90.485 and can trigger foreclosure.
HOA assessments in Washington are authorized by the governing documents and state law. RCW 64.38.025 requires boards to prepare and distribute annual budgets to members. RCW 64.90 (WUCIOA) adds formal reserve study requirements every 3 years with a professional updater every 6 years. Special assessments typically require board approval (and sometimes member ratification) per the CC and Rs. Delinquent assessments become statutory liens on the unit under RCW 64.38.150 for HOAs and RCW 64.90.485 for WUCIOA associations; the lien has priority over most mortgages for up to 6 months of assessments in certain circumstances. HOAs can foreclose judicially. Condominium assessments under RCW 64.34.364 have similar lien priority. Late fees and interest must be reasonable and specified in governing documents.
Unpaid assessments accrue late fees, interest (often 12 percent per RCW 64.38), and legal fees. Lien attaches automatically. Foreclosure can follow after extended delinquency per statutory procedures.
See how Spokane's assessment & dues rules stack up against other locations.
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