(904) 799-6790

Behind on HOA or Condo Dues in Jacksonville? Sell Without the Stress

HOA and condo associations in Florida have strong collection rights, including the right to lien and even foreclose. If dues, fines, and attorney’s fees are piling up, a sale can pay off the association at closing so you can move on.

Honest note: We buy some houses ourselves. For others, we may introduce you to a vetted investor buyer. We’ll tell you up front which one applies to your house. We are not a listing brokerage.

Get My Cash Offer · Call (904) 799-6790

How HOA Collections Work in Florida

  • Homeowners’ associations are governed by Chapter 720, F.S. Under §720.3085, F.S., the association can record a claim of lien for unpaid assessments. Before it does, it must send a written notice giving the owner 45 days to pay.

  • Condominiums are governed by Chapter 718, F.S. Collections and liens fall under §718.116, F.S.

  • Buyer liability. Under both §720.3085 and §718.116, a new owner is jointly and severally liable with the previous owner for unpaid assessments that came due before the transfer. That’s why buyers and title companies insist the balance be settled at closing.

  • Estoppel certificate. Under §720.30851, F.S., the HOA must issue an estoppel certificate showing the amount owed within 10 business days of a request. The title company uses it to pay the association at closing.

Your Options

  1. Pay the balance or ask for a payment plan.

  2. Dispute any charges you think are wrong. An attorney can help.

  3. Sell, and pay the association from the proceeds at closing.

How It Works

  1. Call or fill out the form. Tell us about the house and what’s going on.

  2. Walkthrough. It can be in person or by video. No cleaning or repairs needed.

  3. Written cash offer. We’ll tell you whether we’re buying it ourselves or bringing in an investor buyer.

  4. Close with a Florida title company. Liens and payoffs are handled from the sale proceeds. You pick the date that works for you.

We don’t promise closing in a set number of days. Timing depends on title work and payoffs.

FAQ

Can I sell with an HOA lien? Yes. The title company gets the estoppel and pays the HOA at closing.

What if the HOA already filed a foreclosure? Call us right away, and talk to an attorney about your deadlines.

Will you buy it yourselves? Sometimes. Other times we introduce an investor buyer. We’ll tell you which.

Let’s Talk

Call (904) 799-6790 or fill out the form.

Disclaimer: This page is general information, not legal, tax, or financial advice. Laws change; consult a licensed Florida attorney or CPA about your situation. Re-Established Homes LLC is a real estate investment company, not a law firm or listing brokerage.