Hypothèques légales et recouvrement
Florida Condo Assessments: Fla. Stat. 718.116
Florida condo owners are liable for assessments while they own a unit. The law covers liens, interest, late fees, estoppel certificates, and collection limits.
Ce guide est en anglais, la langue dans laquelle la loi est publiée, afin que chaque citation corresponde au texte officiel. La foire aux questions ci-dessous est dans votre langue.
What the law covers
- A unit owner is liable for all assessments that come due while the owner holds title, including a buyer at a foreclosure sale or by deed in lieu of foreclosure.
- A unit owner is jointly and severally liable with the previous owner for unpaid assessments that came due up to the transfer of title.
- Liability for assessments cannot be avoided by waiving use of common elements or abandoning the unit.
- The association has a lien on each condominium parcel to secure payment of assessments.
- The association may foreclose the lien or sue for a money judgment and may recover reasonable attorney's fees.
- Special assessments must be for a specific purpose stated in a written notice sent or delivered to each unit owner.
Key requirements and limits
- Interest on unpaid assessments: if the declaration provides no rate, interest accrues at the rate of 18 percent per year from the due date until paid.
- Late fee: up to the greater of $25 or 5 percent of each delinquent installment.
- Payments are applied first to interest, then to late fees, then to collection costs and reasonable attorney fees, then to the delinquent assessment.
- A first mortgagee's liability for pre-acquisition assessments is limited to the lesser of 12 months of unpaid common expenses and regular periodic assessments or 1 percent of the original mortgage debt, if the mortgagee joined the association in the foreclosure action.
- A first mortgage recorded before April 1, 1992 may be exempt from liability for unpaid assessments that came due before acquisition.
- Estoppel certificate fee: not more than $250 if no delinquent amounts are owed; expedited delivery within 3 business days may add up to $100; if delinquent amounts are owed, an additional fee may not exceed $150.
- Aggregate estoppel fees for multiple units: $750 for 25 or fewer units; $1,000 for 26 to 50 units; $1,500 for 51 to 100 units; $2,500 for more than 100 units.
Notice, hearing and deadlines
- The person acquiring title must pay the amount owed to the association within 30 days after transfer of title.
- A claim of lien is not effective 1 year after recording unless an action to enforce it is commenced within that time.
- After a notice of contest of lien is served, the association has 90 days to file an action to enforce the lien; if it does not, the lien is void.
- No foreclosure judgment may be entered until at least 45 days after the association gives written notice of its intention to foreclose.
- The association must issue an estoppel certificate within 10 business days after receiving a written or electronic request.
- An estoppel certificate delivered by hand or electronic means has a 30-day effective period; by regular mail, 35 days.
- If the association fails to deliver an estoppel certificate within 10 business days, a fee may not be charged for it.
Practical checklist for homeowners
- The association's governing documents and later amendments may also apply.
- Read your governing documents.
- Keep copies of notices and payment records.
- Check the official text for updates.
- Review any estoppel certificate carefully for amounts and deadlines.
Source
Fla. Stat. 718.116, texte officiel“if no rate is provided in the declaration, interest accrues at the rate of 18 percent per year.”
“Within 10 business days after receiving a written or electronic request therefor from a unit owner or the unit owner’s designee”
“No foreclosure judgment may be entered until at least 45 days after the association gives written notice”
“The liability for assessments may not be avoided by waiver of the use or enjoyment of any common element or by abandonment of the unit”
“a fee may not be charged for the preparation and delivery of that estoppel certificate.”
Foire aux questions
Suis-je responsable des évaluations impayées antérieures à l'achat de mon unité ?
Vous pouvez être solidairement responsable avec l'ancien propriétaire des évaluations impayées échues jusqu'au transfert de titre.
Quel taux d'intérêt s'applique aux évaluations en retard ?
Si la déclaration ne prévoit pas de taux, les intérêts courent à 18 pour cent par an à compter de la date d'échéance jusqu'au paiement.
Dans quel délai l'association doit-elle délivrer un certificat d'estoppel ?
L'association doit délivrer le certificat d'estoppel dans les 10 jours ouvrables suivant la réception d'une demande écrite ou électronique.
L'association peut-elle facturer des frais pour un certificat d'estoppel ?
Oui. Si aucun montant impayé n'est dû, les frais ne peuvent pas dépasser 250 $. Un certificat accéléré livré dans les 3 jours ouvrables peut ajouter jusqu'à 100 $.
Que se passe-t-il si j'enregistre un avis de contestation de privilège ?
Après signification, l'association a 90 jours pour intenter une action en exécution du privilège ; sinon, le privilège est nul.
Cette page fournit des renseignements juridiques d'ordre général et non des conseils juridiques; Harrington Community n'est pas un cabinet d'avocats. Les lois sont modifiées au fil du temps et les documents gouvernants de votre association peuvent également s'appliquer. Pour obtenir des conseils adaptés à votre situation, contactez un avocat habilité ou le service de référence aux avocats du barreau de votre État.