Kootenai County, ID HOA Rules: HOA Fines & Enforcement (2026)

902(B)(2) lists the minimum content Kootenai County requires in the CC&Rs recorded for every subdivision or condominium before the plat is approved. Paragraph (c) makes assessments the personal obligation of whoever owns the lot when the assessment comes due, with a buyer's grantee jointly and severally liable for any portion still owed at the time of conveyance, and requires interest, late charges, attorney fees, and collection costs to ride along with the unpaid amount. Paragraph (d) then requires the CC&Rs to give the association effective methods of enforcing that payment: authority to withhold services from a delinquent owner, to sue in civil court for a money judgment, and to assess, record, and foreclose a lien against the lot.

Late fees and restrictions on voting rights are listed as optional add-ons an association can also adopt. Individual lot owners must additionally have their own ability to enforce the CC&Rs against each other, separate from the association's collection powers. Paragraph (f) requires the board to keep a capital replacement plan and hold reserve funds in a separate, trust-held account, which is what late fees and collection costs ultimately help fund. 902 sets a maximum dollar amount for a late charge; the county's role is limited to requiring that the CC&Rs contain these collection tools, not to capping what the association charges.