HOA Liens and Foreclosure in California: What Homeowners Need to Know
An unpaid HOA assessment can lead to a lien on your property — and eventually foreclosure. California's Davis-Stirling Act establishes strict notice requirements and dollar thresholds that must be met before a lien or foreclosure can proceed. Civil Code §5705 requires 30 days written notice before a lien is recorded.
Key Statutes
- Civil Code §5700
- Civil Code §5705
- Civil Code §5710
Questions covered in this guide
- Can my HOA put a lien on my home in California? California HOAs can lien your home for unpaid assessments only after the §5660 pre-lien notice. Learn when an HOA lien i…
- What is an HOA pre-lien notice in California? A California HOA must send a 30-day pre-lien notice under Civil Code §5660 before recording a lien. Learn what it must s…
- Can my HOA foreclose on my home in California? California HOAs can foreclose for unpaid assessments, but Civil Code §5700 sets strict limits. Learn when foreclosure is…
- Can I pay off an HOA lien to stop foreclosure in California? Paying delinquent HOA assessments can stop foreclosure and release the lien. Learn about payment plans, lien releases, a…
- What is an HOA assessment in California? California HOAs use regular and special assessments to fund operations and reserves. Learn the difference and the limits…
- Can my HOA charge late fees on unpaid assessments in California? California HOAs can charge late fees on unpaid assessments. Learn the Civil Code §5650 limits, when interest applies, an…
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Ask the AI assistant →Last reviewed: 2026-05-07 · Version 2026.1