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Title & Liens

What Is HOA Super-Lien?

An HOA super-lien is a homeowners association's claim for unpaid dues that, in some states like Florida, takes priority over other liens and can lead to the HOA foreclosing on the property even if the mortgage is current.

When a homeowner falls behind on HOA or condo association dues, the association can place a lien on the property. In certain states, a portion of that lien gets 'super' priority — ahead of even the first mortgage.

Florida's HOA and condo lien rules (such as Fla. Stat. §720.3085) give associations significant power, including the ability to foreclose for unpaid assessments. This catches many absentee and out-of-state owners off guard.

If you own a property in an HOA and have fallen behind on dues, this is urgent — an HOA can force a sale independent of your mortgage status. A cash sale that clears the HOA lien at closing can resolve it quickly.

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