Utah HOA Assessments, Liens & Nonjudicial Foreclosure (Community Association Act, Utah Code §§ 57-8a-301 to -305)

Under Utah Code § 57-8a-301, an association has a lien on a lot for an assessment, plus "court costs and reasonable attorney fees, late charges, interest," and a fine imposed under § 57-8a-208 once appeal periods run. That lien is exempt from the Utah Exemptions Act (no homestead protection). Section 57-8a-302 lets the association "cause a lot to be sold through nonjudicial foreclosure" or pursue judicial foreclosure; nonjudicial sale follows the trust-deed statutes (§§ 57-1-19 to 57-1-34) but "may not be exercised unless the association appoints a qualified trustee." Section 57-8a-303 requires written notice at least 30 days before foreclosure, and the owner may force judicial foreclosure by mailing a written demand within 30 days. Sections 57-8a-304 and -305 govern procedure, abandonment, and the inapplicability of the one-action rule.

No fixed statutory cap. The owner owes unpaid assessments plus court costs, reasonable attorney fees, late charges, and interest the declaration allows. Because the lien is enforceable by nonjudicial (trustee's-sale) foreclosure under § 57-8a-302 and is not subject to the homestead exemption, an owner can lose the home for delinquent dues.