Definition
A legal claim an HOA can place on an owner's property for unpaid dues or assessments, securing the debt against the home.
An HOA lien is a legal claim recorded against an owner's property for unpaid assessments. It secures the debt to the home, meaning it generally must be paid before the property can be sold or refinanced.
Liens are a serious step and are governed strictly by state law and the CC&Rs — including notice requirements and, in some states, caps or procedures. Boards should place liens only through a consistent process and, typically, with legal guidance. A lien can be a precursor to foreclosure if the debt remains unpaid.