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Temple Terrace, FL HOA Rules: Assessment & Dues (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

State Law
FL §720.3085
Late Fee
25 dollars or 5 percent
Interest
18 percent max
Pre-Lien Notice
45 days
Foreclosure
Additional 45-day demand

Summary

HOA assessments in Temple Terrace must comply with FL §720.3085, including itemized budgets, proper notice, and statutory lien procedures for nonpayment.

not have before July 1, 2008. (a) To be valid, a claim of lien must state the description of the parcel, the name of the record owner, the name and address of the association, the assessment amount due, and the due date. The claim of lien secures all unpaid assessments that are due and that may accrue subsequent to the recording of the claim of lien and before entry of a certificate of title, as well as interest, late charges, and reasonable costs and attorney fees incurred by the association incident to the collection process. The person making payment is entitled to a satisfaction of the lien upon payment in full.

Full Breakdown

FL §720.3085 gives HOAs authority to levy regular and special assessments per the governing documents. Boards must adopt an annual budget at an open meeting after 14 days notice. Unpaid assessments bear statutory interest (18 percent or the rate in the declaration, whichever is less) plus late fees up to 25 dollars or 5 percent of the installment. Liens must include a pre-lien notice sent 45 days before filing; foreclosure requires another 45-day demand. Safe-harbor for first mortgage holders caps their past-due liability at 12 months or 1 percent of original mortgage.

Frequently Asked Questions

Can my HOA foreclose over unpaid dues?
Yes. Under FL §720.3085 an HOA can foreclose its lien after required 45-day notices, similar to a mortgage foreclosure.

Sources & Official References

Other rules in Temple Terrace

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