Homeowners Association Law

Homeowners Association Law relates to the the creation and enforcement of organizations and their rules that manage and community associations and help to maintain their appearance and value. Most homeowners associations and condominiums are made up of a common residential asset managed through a chosen Board of Directors. Membership is mandatory upon the purchase of real estate situated in the association. State laws, local bylaws, and organizational rules all relate to the management of the community.


Most homeowners associations and condos are corporations formed by a real estate developer for the purpose of marketing, managing, and selling homes and lots in a residential subdivision. After reaching a certain threshold of sales, the developer relinquishes its control of the association to its members. Usually, the association is formed by filing certain documents in the public records of the state and county in which the association is situated. State oversight of homeowner associations is usually fairly minimal, but this trend is changing and associations are becoming increasingly regulated by the government.

What is a Homeowners Association?

A homeowners association is incorporated by the developer prior to the initial sale of homes, and the Covenants, Conditions, and Restrictions (CC&Rs), also called the Declaration, is recorded in the public records and sets forth the detailed rules of membership/property ownership in the community. There is no need for a mutual agreement between buyer and seller regarding the CC&Rs, as they are legally defined to "run with the land.” In other words, if one wants to buy the property they are assumed to be aware of the rules and buying it subject to the restrictions contained in the CC&Rs. If an owner sells the encumbered land/ home, he ceases to be a member of the association and the new owner becomes a member. All members must pay fees and conform to the restrictions of the association regardless of whether they have actual knowledge of these rules and fees or not.

Rules Enforcement

Legal action of the homeowners association may be enforced through the threat and levying of fines, and private legal action under civil law. The HOA provides services, regulates activities, levees assessments, and may, as delegated by the states legislature, impose fines. Unlike a municipal government, they are not subject to the constitutional constraints that public government must abide by.

For more information about homeowners association law, please see the resources below. Additionally, you may be able to find an attorney in your area that focuses their practice on the area of HOA law in your jurisdiction by clicking on the “Law Firms” tab on the menu bar at the top of this page.

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Articles on HG.org Related to Homeowners Association Law

  • What Florida HOAs Need to Know About the Marketable Record Title Act
    Enacted 52 years ago, the Florida Marketable Record Title Act (“MRTA”) is a statute many homeowners associations remain blissfully unaware of — usually to their detriment.
  • How to Get Out of a Timeshare
    Many have fallen prey to the allure of a timeshare. The prices sound unbeatable, the amenities look amazing, and the idea of owning a piece of vacation paradise may seem too good to resist. Unfortunately, after buying a timeshare, reality sets in and many people find themselves wanting out of the agreement.
  • Homeowners Association Disputes
    Homeowners associations are common in many areas and various types of development. The homeowners association, or “HOA,” is the governing body of the subdivision or complex. However, there are times when individual or multiple homeowners have a legal dispute with the HOA. Several options may be available to help resolve such disputes.
  • Neighbor’s Right to Build
    When purchasing real estate, many people look to their views to determine if they want to purchase the property. Better views often translate to more valuable pieces of property. However, in some cases, a neighbor may be able to block a view or otherwise exercise his or her own legal rights in order to build something on his or her property that may interfere with the other property owners’ privileges.
  • Homeowner Associations Be Aware And Wary Of The Marketable Record Title Act
    Under current Florida law, there is a trap that can result in the expiration of the covenants for the community. Under the Marketable Record Title Act, Chapter 712 of Florida Statutes (“MRTA”), residential homeowners’ associations are required to preserve the integrity of the declaration for the entire community to retain the status of the declaration as the source of marketable title with regard to the transfer of a member’s residence.
  • Government Buyout of Your Property: Your Top 10 Relocation Rights
    In the event you as a business owner or homeowner or even a residential tenant are forced to move due to a government buyout, you are eligible for relocation expenses.
  • Collections, Property Managers, and the Unauthorized Practice of Law
    With the world becoming more and more litigious, we all fear we might be sued over everyday actions or minor mistakes. In our market, homeowners are often trying to find a scapegoat for their financial responsibilities. Without following proper procedure, that scapegoat may be your HOA.
  • How to File a Mechanics and Materialmen's Lien in Georgia
    Contractors and suppliers, whose labor, services, equipment or materials were used to improve real estate, may be entitled to file a claim of lien under the Georgia Mechanics and Materialman's Lien Statute if they are not paid. Navigating this law, however, can be difficult so we have put together this step-by-step guide to help you understand the complexities of Georgia's Lien Laws.
  • Absurd Animal Cases in Homeowners Associations
    In my former legal practice, I found that few cases were more prone to absurd happenings, bizarre government policies, or overly expensive litigation than pet cases.
  • Dealing with Nuisance Neighbors
    We have all had the situation at some point: a neighbor that cares for nobody but themselves. Stereo blasting late at night, dogs barking or attacking others, construction that causes damage to our property...the list goes on. So what do you do in those instances when reasoning with the neighbor just is not working?
  • All Real Estate Law Articles

    Articles written by attorneys and experts worldwide discussing legal aspects related to Real Estate including: construction law, eminent domain, foreclosure, homeowners association, land use and zoning, landlord and tenant law, property law, property management.

Homeowners Association Law - US

  • Community Association Manager Licensing

    This resource center will provide state-specific information on enacted manager licensing/registration/certification/standards laws and pending legislation. It will also provide guidance and resources for those members and states that are discussing this issue.

  • Fair Housing Laws - (HUD)

    The Office of Fair Housing and Equal Opportunity administers federal laws and establishes national policies that make sure all Americans have equal access to the housing of their choice.

  • Homeowners' Association - Wikipedia

    A homeowners' association (HOA) is an organization created by a real estate developer for the purpose of controlling the appearance and managing any common-area assets during the marketing, managing, and selling of homes and sites in a residential subdivision. It grants the developer privileged voting rights in governing the association, while allowing the developer to exit financial and legal responsibility of the organization, typically by transferring ownership of the association to the homeowners after selling off a predetermined number of lots. It allows a civil municipality to increase its tax base, but without requiring it to provide equal services to all of its citizens. Membership in the homeowners association by a residential buyer is typically forced as a condition of purchase; a buyer isn't given an option to reject it.

Organizations Related to Homeowners Association Law

  • American Homeowners Association

    AHA provides over 35 services and benefits that help take the high cost and hassles out of buying, owning and maintaining your home. As an AHA Member, you can save well over $1,000 each year and avoid many common (and costly) pitfalls. You can count on AHA for greater convenience and peace of mind -- we'll be there for you when you need us!

  • American Homeowners Resource Center

    We are a public interest interactive website for homeowners. This section is for those who live in Homeowners Associations. The primary driving force behind the American Homeowners Resource Center (AHRC) is a national and international grassroots network of homeowners working together to protect homes.

  • Community Association Network

    The Community Associations Network, LLC was formed to create a single, public, internet resource for community associations and the people and firms that work with them. The phrase "re-inventing the wheel" has been used often to describe association operations, where each board of directors wrestles with a problem or issue as if it has never been dealt with before. Chances are it has, but there was no way to find out about it. CAN is going to try and change that. CAN is not affiliated with one individual, company or group, instead we try and bring you the widest possible scope of information, products and services to help you with this housing type. It is our hope that by doing this you'll find a good, positive answer to questions and issues that may confront you.

  • Community Associations Institute

    CAI provides education, tools and resources to people who govern and manage homeowners associations, condominiums and other planned communities. Our mission is to help you make your community a better—even preferred—place to call home

Publications Related to Homeowners Association Law

  • Association Times

    A web resource for community associations. Provides news, articles and FAQ's.

  • CondoManagement Magazine

    CondoManagement Magazine is a bi-monthly condominium/homeowner association management magazine covering California, Florida and New England.

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