Assessment Lien Calculators

Arizona Condo & HOA

Arizona HOA Assessment Lien Calculator — ARS 33-1807 / 33-1256 (No Super-Priority; 1-Year or $1,200 Foreclosure Prerequisite)

Compute the Arizona HOA or condominium association assessment-lien total under the Arizona Planned Communities Act (ARS Title 33 Chapter 16; ARS 33-1807) or the Arizona Condominium Act (ARS Title 33 Chapter 9; ARS 33-1256). The lien attaches automatically when assessments come due and is enforceable by judicial foreclosure only — Arizona does NOT permit nonjudicial power-of-sale foreclosure for HOA assessment liens. ARS 33-1807(A) also imposes a statutory foreclosure prerequisite: the association may not foreclose unless the owner has been delinquent for one year or more OR the unpaid charges equal or exceed $1,200. Important: Arizona does NOT have a super-priority lien — the association lien is subordinate to a prior first mortgage of record. Returns the total lien amount, foreclosure-eligibility flag, priority status, estimated equity, and a recovery-probability classification for the collection file.

Colorado HOA

Colorado CCIOA Assessment Lien Priority Calculator — Six-Month Super-Priority

Compute the six-month super-priority and sub-priority breakdown of a Colorado HOA assessment lien under CCIOA (CRS 38-33.3-316(2)(b)(I) super-priority over the recorded first mortgage; CRS 38-33.3-316(2)(b)(II) sub-priority for the remainder of the lien; CRS 38-33.3-316(11) 60-day pre-foreclosure notice prerequisite). Returns the super-priority dollar amount, the sub-priority dollar amount, the total lien, the estimated equity position after the first mortgage and foreclosure costs, and the heuristic recovery-probability bands for each priority tier.

Florida HOA & Condo

Florida HOA / Condo Pre-Lien Notice Calculator

Walk a Florida HOA or condominium pre-lien notice of intent to record a claim of lien against the 45-calendar-day statutory window under F.S. § 720.3085(2)(b) (HOA) and F.S. § 718.121(4) (condo, post-2024 SB 154 unification). Returns the effective service date (signed return-receipt or dispatch + 5-day common-law presumption), the earliest date the association may record the Claim of Lien, the days-remaining countdown, the procedural posture (not sent / within window / window expired — may file), and whether the attorney-fee shift under F.S. § 718.116(6)(b) / § 720.3085(1)(b) is preserved. Filing a lien without the proper 45-day notice voids the lien and forfeits attorney-fee recovery.

Illinois HOA

Illinois Condo and CICAA Assessment Lien & Super-Priority Calculator

Compute the total Illinois association assessment lien (unpaid assessments + late fees + interest + attorney fees + costs) and the six-month super-priority dollar amount under 765 ILCS 605/9(g)(1) for condominiums. CICAA (765 ILCS 160) liens do NOT include the super-priority — the calculator surfaces the distinction. Returns total lien, super-priority position, projected foreclosure path, and a verdict-text summary for collection counsel.

Indiana Condo & HOA

Indiana Condo Assessment Lien Calculator — Ind. Code 32-25-6-3 (No Super-Priority; Six-Year SOL Under 34-11-2-9)

Compute the Indiana condominium / HOA association assessment-lien total under the Indiana Condominium Act (Ind. Code Title 32 Article 25) and the Indiana Homeowners Association Act (Title 32 Article 25.5). Models Ind. Code 32-25-6-3 lien attachment (automatic when assessments come due) and perfection (statement of lien recorded with the county recorder). Important: Indiana does NOT have a super-priority lien for condominium or HOA assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement proceeds by judicial foreclosure under Ind. Code 32-29 (Mortgage Foreclosure). Constrained by the six-year statute of limitations on contract debt under Ind. Code 34-11-2-9. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

Iowa Condo & HOA

Iowa Condominium Assessment Lien Calculator — Subordinate to First Mortgage, No UCIOA Super-Priority (Iowa Code § 499B.15)

Compute the total Iowa condominium assessment lien, the priority status, and the projected recovery outlook under the Iowa Horizontal Property Act (Iowa Code Chapter 499B). Models Iowa Code § 499B.15 (statutory association lien attaches automatically; recording preserves priority under Iowa Code Chapter 558), the absence of any UCIOA-style super-priority (Iowa has not adopted UCIOA), the subordinate position behind a recorded first mortgage, and the Iowa Code § 614.1(5) 10-year limitations period for written-contract claims grounded in the recorded declaration. Returns the gross lien, net lien, priority status, limitations-exposure flag, and a heuristic recovery band.

Kentucky Condo

Kentucky Condominium Assessment Lien Calculator — Subordinate Lien, 5-Year SOL (KRS § 381.860 / § 413.120)

Compute the total assessment lien, the priority position relative to the first mortgage, and the projected recovery band for a Kentucky condominium assessment lien under the Kentucky Horizontal Property Law (KRS § 381.805 et seq.) and the Master Deed Statute. Kentucky did NOT adopt the Uniform Common Interest Ownership Act (UCIOA); KRS § 381.860 creates a statutory association lien that attaches automatically but is SUBORDINATE to any first mortgage recorded before the lien attached. There is no UCIOA-style super-priority window. Models the 5-year statute of limitations on assessment claims under KRS § 413.120, equity-based recovery heuristics, and Master Commissioner sale dynamics under KRS Chapter 426.

Louisiana Condo

Louisiana Condominium Assessment Privilege Calculator — Subordinate Privilege, 10-Year Prescription (LSA-R.S. 9:1123.115 / LSA-C.C. art. 3499)

Compute the total assessment privilege, the rank position relative to the conventional mortgage, and the projected recovery band for a Louisiana condominium assessment claim under the Louisiana Condominium Act (LSA-R.S. 9:1121.101 et seq.). Louisiana is the only US state on a civil-law (Code Napoleon) legal tradition; the assessment claim is a civil-law PRIVILEGE rather than a common-law LIEN. LSA-R.S. 9:1123.115 creates a statutory privilege that attaches automatically but is SUBORDINATE to any conventional mortgage recorded before the privilege attached. There is NO UCIOA-style super-priority window. Models the 10-year liberative prescription on assessment claims under LSA-C.C. art. 3499, equity-based recovery heuristics, and executory-process enforcement dynamics under LSA-C.C.P. art. 2631 et seq.

Michigan Condo

Michigan Condo Assessment Lien Calculator — No Super-Priority, Subordinate to First Mortgage (MCL Sec. 559.208)

Compute a Michigan condominium assessment-lien total and recovery analysis under the Michigan Condominium Act (MCL Sec. 559.101 et seq.). Models MCL Sec. 559.208(1) automatic statutory lien for assessments, interest, late charges, attorney fees, and collection costs; MCL Sec. 559.208(2) recording of the claim of lien with the register of deeds; MCL Sec. 559.207 personal obligation of the unit owner; MCL Sec. 600.5807(8) six-year statute of limitations on the underlying contract claim. Michigan has NO super-priority position over a prior recorded first mortgage — the association lien is subordinate. Returns the total lien amount, estimated equity above the first mortgage, recovery band, and limitations-period status.

New Jersey Condo

New Jersey Condo Assessment Lien Priority Calculator

Compute the New Jersey condominium association assessment-lien split between the six-month limited-priority portion (N.J.S.A. 46:8B-21(b), priority over first mortgages of record for REGULAR common-expense assessments only) and the sub-priority portion under the NJ Condominium Act (N.J.S.A. 46:8B-1 et seq.). Returns the limited-priority dollar amount, the sub-priority dollar amount (including special assessments, late charges, interest, and attorney fees — all of which fall outside the NJ statutory cap), an equity estimate, and a recovery-probability classification (strong, mixed, weak).

New York Condo & HOA

New York Condominium Common-Charge Lien Priority Calculator — RPL Sec. 339-z Six-Month Limited Priority

Compute the limited-priority and sub-priority breakdown of a New York condominium common-charge lien under the New York Condominium Act (RPL Article 9-B, Sec. 339-d through 339-kk): RPL Sec. 339-z statutory lien with a SIX-MONTH limited priority over the first mortgage (regular common charges only — attorney fees, special assessments, late fees, and interest are NOT within priority, distinguishing New York from UCIOA-adopting jurisdictions like Connecticut); RPL Sec. 339-aa recording and judicial enforcement under RPAPL Article 13 (New York is an exclusively judicial-foreclosure state). Returns limited-priority dollars, sub-priority dollars, total lien gross and net, estimated equity, and recovery bands for each priority layer.

Ohio Condo

Ohio Condo Assessment Lien Calculator — ORC 5311.18 (No Super-Priority; Judicial Foreclosure Only)

Compute the Ohio condominium association assessment-lien total under the Ohio Condominium Property Act (Ohio Revised Code Chapter 5311) and ORC 5311.18 (lien attaches automatically; perfected by statement of lien filed with the county recorder; enforceable by judicial foreclosure under ORC Chapter 2329). Important: Ohio does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a first mortgage of record that pre-dates the unpaid assessment. Returns the total lien amount, priority status, estimated equity available to the association, and a recovery-probability classification (strong, mixed, weak) for the collection file.

Ohio HOA & Condo

Ohio HOA Assessment Lien Calculator — ORC § 5311.18 (Condo) & § 5312.14 (Planned Community) Lien Amount & Priority

Compute the total Ohio HOA or condominium assessment lien amount (principal + late fees + attorney fees) under ORC § 5311.18 (Ohio Condominium Property Act) or ORC § 5312.14 (Ohio Planned Community Act). Ohio requires judicial foreclosure to enforce assessment liens and does NOT provide a confirmed statutory super-priority over a recorded first mortgage — unlike Illinois (six-month super-priority) or Massachusetts. The calculator flags this as "limited priority," estimates the judicial foreclosure timeline (12–24 months), and explains the lien attachment mechanics under Ohio law.

South Carolina Condo & HOA

South Carolina HOA / Condo Assessment Lien Calculator — S.C. Code Ann. § 27-31-210 + § 27-30-130 (No Super-Priority; Three-Year SOL)

Compute the South Carolina HOA or condominium association assessment-lien total under the South Carolina Horizontal Property Act (S.C. Code Ann. § 27-31-10 et seq.) and the South Carolina Homeowners Association Act (§ 27-30-110 et seq.). Models § 27-31-210 condo lien attachment (automatic when assessments come due) and § 27-30-130 HOA recovery framework. Important: South Carolina does NOT have a super-priority lien for HOA or condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement must proceed by JUDICIAL foreclosure in the Court of Common Pleas, typically referred to the county master-in-equity under SCRCP Rule 53; South Carolina has no nonjudicial trustee-sale path. Constrained by the three-year statute of limitations on contract debt under § 15-3-530. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

Tennessee Condo & HOA

Tennessee Condo Assessment Lien Calculator — Tenn. Code Ann. § 66-27-415 (No Super-Priority; Six-Year SOL Under § 28-3-109)

Compute the Tennessee condominium association assessment-lien total under the Tennessee Condominium Act (Tenn. Code Ann. Title 66 Chapter 27 Part 2) and the Tennessee Horizontal Property Act (Title 66 Chapter 27 Part 1). Models Tenn. Code Ann. § 66-27-415 lien attachment (automatic when assessments come due) and perfection (statement of lien recorded with the county register of deeds). Important: Tennessee does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement may proceed by nonjudicial trust-deed foreclosure under § 35-5-101 et seq. when the master deed grants power of sale, or by judicial foreclosure when it does not. Constrained by the six-year statute of limitations on contract debt under § 28-3-109. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification (strong, mixed, weak).

Texas HOA

Texas HOA Assessment Lien & Foreclosure Calculator

Walk a Texas HOA assessment-lien enforcement file against Texas Property Code Title 11 (Texas Residential Property Owners Protection Act): the 30-calendar-day pre-foreclosure notice under § 209.0091, the judicial-foreclosure default under § 209.0092, the attorney-fee preservation under § 209.008, and — most importantly for owners — the 180-day post-sale right of redemption under § 209.011 (unique to Texas in the HOA context; Florida has no equivalent). Returns the effective service date (signed return-receipt or dispatch + 5-day mailbox presumption), the earliest foreclosure-eligible date, a days-remaining countdown, the procedural posture (not sent / within window / window expired), and — if a foreclosure sale has occurred — the redemption deadline and days remaining to redeem.

Utah Condo & HOA

Utah HOA Assessment Lien Priority Calculator — Subordinate to First Mortgage

Compute the Utah HOA assessment-lien total and recovery band under Utah Code § 57-8-44 (Condominium Ownership Act) or § 57-8a-301 (Community Association Act). Utah did NOT adopt the UCIOA six-month super-priority; the association lien is categorically SUBORDINATE to the recorded first mortgage. Returns the total lien amount, governing statute citation, equity above the first mortgage, recovery band, and statute-of-limitations exposure flag under Utah Code § 78B-2-309.

Virginia HOA

Virginia HOA Assessment Lien Calculator

Compute the total Virginia HOA or condominium assessment lien (delinquent assessment principal + declaration-authorized late charges + interest + reasonable attorney fees + collection costs), identify the foreclosure path (Virginia is JUDICIAL foreclosure by default unless the declaration grants the association a power of sale), and project the timeline. POAA liens under Code of Virginia § 55.1-1833; condo liens under § 55.1-1966. Returns total lien, recoverable portion, foreclosure path, and projected timeline.

Wisconsin Condo & HOA

Wisconsin Condo Assessment Lien Calculator — Wis. Stat. § 703.16 (No Super-Priority; Judicial Foreclosure Only; 2-Year Statement Enforcement Window)

Compute the Wisconsin condominium association assessment-lien total under the Wisconsin Condominium Ownership Act (Wis. Stat. Chapter 703). Models Wis. Stat. § 703.16 lien attachment (automatic when common expenses come due) and perfection (statement of condominium lien recorded with the county register of deeds). Important: Wisconsin does NOT have a super-priority lien for condominium assessments — the association lien is subordinate to a prior first mortgage of record. Enforcement proceeds by JUDICIAL foreclosure in circuit court under Wis. Stat. Ch. 846; Wisconsin does not permit nonjudicial trustee-sale foreclosure. The recorded statement of condominium lien must be enforced within TWO YEARS under § 703.16(4); the underlying contract debt is constrained by the SIX-YEAR limitations period under § 893.43. Returns total lien amount, priority status, estimated equity, and a recovery-probability classification.

Florida Real Estate

Florida Construction Lien Timeline Calculator

Walk a Florida construction project through the three statutory clocks under F.S. Chapter 713: the 45-day Notice to Owner (NTO) window under § 713.06, the 90-day claim-of-lien window under § 713.08, and the 1-year foreclosure-of-lien deadline under § 713.22. Surfaces an enforceability verdict (Enforceable / Window Closing / Defective / Expired), the owner's double-pay-risk posture under the § 713.06(3)(d) safe-harbor, and the recommended next action — pay direct, hold proceeds in escrow, demand a § 713.21(4) lien release, or transfer the lien to a § 713.24 surety bond.

Florida Real Estate

Florida Self-Storage Lien Sale Calculator

Project a Florida self-storage lien sale end-to-end under F.S. § 83.801-83.809 (Florida Self-Service Storage Facility Act): total amount owed (rent + late fees + reasonable sale costs), the current procedural step on the lien-enforcement ladder (10-day default trigger under § 83.806(2); cure window; 15-day public sale notice with two consecutive weeks of newspaper publication and on-premises posting under § 83.806(3)), sale-readiness verdict, expected auction proceeds and surplus to the tenant under § 83.806(4) (held in trust for 6 months before escheating to the operator), and a procedural-compliance verdict that flags any defect that would expose the operator to wrongful-sale liability under § 83.808.