Can my HOA put a lien on my home in Florida?

Reviewed May 2026

📘 Short Answer

Yes. Under Florida Statutes §720.3085, a Florida HOA can record an assessment lien against your property for unpaid assessments. The HOA must first send a 45-day notice of intent to record a lien by registered or certified mail, return receipt requested, and by first-class mail. Without this notice, the lien is not authorized by statute.

⚖️ Relevant Florida Law

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F.S. §720.3085 — Governs assessment collection, liens, payoff rights, foreclosure, and the 18% annual cap on interest for delinquent assessments unless the governing documents set a lower rate.
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F.S. §720.308 — Establishes HOA assessment authority and members' obligation to pay properly levied assessments.

🏠 What This Means for Homeowners

If you are a Florida homeowner researching can a florida hoa put a lien on your home?, focus on the required notice, governing-document authority, deadlines, records, and dispute options under F.S. §720.3085.

✓ Save the notice, rule, account ledger, meeting notice, or board decision connected to this liens issue
✓ Review the notice of intent to lien to confirm the amount claimed is accurate
✓ Contact the HOA to dispute any incorrect charges within the notice period
✓ You may request a payment arrangement in writing, but Chapter 720 does not require the HOA to accept one
✓ Pay the full amount or set up a plan before the 45-day deadline
✓ Check the county clerk's records to confirm whether a lien has been recorded

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🏢 What This Means for Boards and Managers

Florida HOA boards should confirm authority in the governing documents, follow the required notice or meeting process, and document each decision before acting on can a florida hoa put a lien on your home? under F.S. §720.3085.

✓ Confirm the association's governing documents and Florida law authorize the action
✓ Send the 45-day notice of intent to lien by registered or certified mail, return receipt requested, and by first-class mail
✓ Include the amount owed, itemized breakdown, payment instructions, and contact information in the notice
✓ Wait the full 45 days from the mailing date before recording the lien
✓ Consider payment arrangements consistently with the governing documents, but do not state that Chapter 720 requires acceptance of a payment plan
✓ Retain proof of both the registered or certified mailing and the first-class mailing

⚠️ Common Mistakes to Avoid

✕ Sending the notice by only one mailing method instead of registered or certified mail and first-class mail
✕ Recording the lien before the 45-day period expires
✕ Not including an itemized breakdown of charges in the notice