California HOAs may levy regular and special assessments, charge late fees and interest, record liens, and ultimately foreclose on delinquent owners under the Davis-Stirling Act. State law (Civil Code sections 5650-5740) caps fees and interest and imposes strict notice steps and a delinquency threshold before any foreclosure may proceed.
Under Civil Code section 5650, an assessment is delinquent 15 days after it is due. The HOA may add a late charge of 10% of the delinquent amount or $10, whichever is greater, plus interest up to 12% per year and reasonable collection costs and attorney's fees. Before recording a lien, the association must mail a 30-day itemized pre-lien notice by certified mail (section 5660). Section 5720 bars nonjudicial foreclosure to collect regular assessments unless the delinquency (excluding fees, interest, and late charges) reaches $1,800 or is more than 12 months overdue. Smaller debts must be pursued via small claims or a recorded lien instead.
Owners who fall behind face late fees, 12% interest, collection costs, attorney's fees, a recorded lien and, once the $1,800/12-month threshold is met, judicial or nonjudicial foreclosure and forced sale of the home.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Tracy, CA
Tracy Municipal Code Chapter 5.08 (Animals) prohibits keeping any animal or bird that by frequent or long-continued loud noise disturbs the comfort or repose...
Tracy, CA
Tracy Municipal Code Chapter 4.12 restricts the operation of pile drivers, hammers, and heavy construction equipment to the hours before 10 PM. After-hours c...
Tracy, CA
Tracy Municipal Code Article 9 (§4.12.710-§4.12.800) sets sound-level limits at residential property lines by zone and bans motorized refrigeration units run...
Tracy, CA
Tracy Municipal Code Chapter 3.08 governs street parking. The 72-hour maximum parking rule applies to all vehicles. RVs and large commercial vehicles on city...
Tracy, CA
Tracy restricts commercial vehicles and semi-trucks from parking on residential streets except during active loading and unloading. TMC Chapter 3.08 governs ...
Tracy, CA
Tracy requires all parking areas, including driveways, to be paved with an approved surfacing material under TMC §10.08.3530. Parking on unpaved surfaces is ...
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