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Winter Park, FL HOA Rules: Assessment & Dues (2026)

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

Key Facts

Late Fee Cap
$25 or 5 percent
Interest Max
18 percent annual
Lien
Automatic statutory
Notice
45 day intent required

Summary

Winter Park HOA assessments governed by FL 720.3085. Late fees capped at greater of $25 or 5 percent. Liens attach automatically for unpaid dues.

F.S. 720.3085 Payment for assessments; lien claims. — (1) When authorized by the governing documents, the association has a lien on each parcel to secure the payment of assessments and other amounts provided for by this section. Except as otherwise set forth in this section, the lien is effective from and shall relate back to the date on which the original declaration of the community was recorded. However, as to first mortgages of record, the lien is effective from and after recording of a claim of lien in the public records of the county in which the parcel is located. This subsection does not bestow upon any lien, mortgage, or certified judgment of record on July 1, 2008, including the lien for unpaid assessments created in this section, a priority that, by law, the lien, mortgage, or judgment did 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.

Full Breakdown

Florida HOA Act (FL 720.3085) permits assessments as provided in governing documents. Late fees are capped at the greater of $25 or 5 percent of the delinquent installment. Interest maximum is 18 percent annually. Unpaid assessments create an automatic statutory lien, and associations may foreclose after proper 45-day notice of intent to lien and 45-day notice of intent to foreclose. Members have a right to enter payment plans.

Sources & Official References

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