Missouri HOAs levy assessments per the declaration and record liens for unpaid amounts. Chapter 448 RSMo governs condominium super-priority liens. Foreclosure is available through judicial process.
Annual and special assessments are authorized by the declaration and levied by the board typically with a budget ratification process. Missouri condominium associations under the Missouri Uniform Condominium Act (Chapter 448 RSMo) have super-priority lien status for six months of unpaid assessments over first mortgages. Non-condominium HOAs record liens under general contract and real estate law. The association must provide notice before recording, and homeowners have the right to challenge in circuit court. Interest on unpaid assessments runs at the rate stated in the declaration (commonly 9 to 18 percent annually), and the association can recover attorneys fees if the CCRs so provide.
Unpaid assessments: lien recording plus interest and fees. Foreclosure possible through judicial process. Homeowner defenses limited to procedural challenges.
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