Arizona HOA Foreclosure Powers Curbed by New Laws
When Can an Arizona HOA Foreclose in 2025? Often, an Arizona planned-community HOA in 2025 may foreclose its assessment lien only after a sharply higher statutory threshold is met. Effective September 26, 2025, the association’s common-expense lien may be foreclosed only when any assessment or portion of an assessment has remained delinquent for 18 months, or unpaid assessments total $10,000, whichever occurs first at filing. This replaced the former 1-year or $1,200 standard. It is widely described as a major curb on planned-community foreclosure timelines. Amounts That Count Only unpaid assessments count toward the $10,000 threshold. Late fees, interest, attorney fees, collection costs, fines, and penalties do not count. The association must also give advance notice, make reasonable communication efforts, and offer a reasonable payment plan before filing. These notice and communication steps reflect broader 2025 compliance trends that emphasize consumer protection and clear disclosu...