Under Connecticut's Common Interest Ownership Act, an association has an automatic statutory lien on a unit for unpaid assessments, fines, late charges, and enforcement costs. The lien carries a nine-month super-priority over a first or second mortgage, and the association may foreclose it.
Conn. Gen. Stat. § 47-258(a) gives the association a lien for any assessment or fine, perfected automatically by recording the declaration—no separate filing is needed. Subsection (b) makes the lien prior to a first or second mortgage “to the extent of … the common expense assessments … which would have become due … during the nine months immediately preceding institution of an action to enforce” the lien—the super-priority. The association may also charge interest or late fees and recover costs and attorney's fees. Under § 47-258(m), it may not start a foreclosure unless the owner owes at least two months of assessments, a demand for payment was made, and the board voted to foreclose or adopted a standard foreclosure policy.
Unpaid assessments accrue interest and late fees and become a lien on the unit; the association may foreclose once an owner owes two or more months, plus costs and attorney's fees.
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