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HOA Spy reports 10,296 foreclosure suits brought by Florida homeowners’ and condo associations against their own members, along with 460,412 association lien claims recorded against homes. The figures document filings, not homes lost, and the report argues that liens and collection actions can make it harder for residents to sell or refinance.
Florida homeowners’ and condominium associations have brought 10,296 foreclosure suits against their own members, while association lien claims recorded against homes total 460,412, according to a new data report from HOA Spy. The figures highlight how association debt collection can affect homeowners’ ability to keep, sell or refinance a home, although the filing counts do not show how many homes were ultimately lost.
HOA Spy says it indexes 104,659 Florida associations. Of the 27,377 associations with unit counts listed, the report records a combined 1,518,436 homes. Its court and county-record data also include 277,047 lis pendens, notices associated with foreclosure proceedings, and 48,999 court records naming an association. The report counts 2,695 associations that have foreclosed on an owner.
The association foreclosure tally is cumulative across the records reviewed. HOA Spy says associations filed 599 suits in 2025, the last full year in its annual breakdown, and 667 so far in 2026. The report identifies 2009 as the peak year, with 875 association-filed suits. The 2026 number is partial and should not be compared with a complete year as though the periods were equivalent.
The report distinguishes association foreclosures from lender cases that name an association. It lists 1,629 lender foreclosure suits naming an association, compared with 10,296 suits brought by associations against members. HOA Spy says each filing is a case record, not proof that a household was removed or that a property was lost. Many suits may end after an owner or lender pays the debt.
How Liens Can Block Home Sales
The effect described by HOA Spy extends beyond a completed foreclosure. The report says an association lien can complicate a home sale or refinance: title companies generally require liens to be resolved before closing, and lenders may not refinance a property with an unresolved claim. That can leave owners facing a deadline and additional costs while they try to settle a dispute.
Florida’s housing pressures have many causes, and the report does not measure how much association actions change statewide home prices, rents or housing supply. Its records do show that associations use legal collection tools at substantial scale. For affected residents, the distinction between a lien and a lost home matters, but either can create financial and practical barriers to staying in or moving from a property.
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Florida Association Collection Powers
Florida law gives homeowners’ associations and condominium associations the ability to place liens for unpaid assessments and, in specified circumstances, seek foreclosure. HOA Spy cites section 720.3085 of Florida Statutes for homeowners’ associations and section 718.116 for condominiums. The report says an initial unpaid amount may grow through interest, late charges, collection expenses and attorney fees secured by the lien.
HOA Spy says its figures come from official court dockets and county records, including recorder indexes in Broward and Miami-Dade counties. The report also lists 6,661 associations with lapsed or out-of-standing corporate status. That figure describes associations’ corporate records; it does not by itself establish that their liens or court filings are invalid. The report presents these records as evidence of association activity, rather than a complete measure of Florida’s housing shortage.
What The Filing Counts Cannot Show
The report does not establish how many of the 10,296 suits resulted in foreclosure or displacement, how many were resolved through payment, or how much association filings contributed to the broader housing crisis. HOA Spy explicitly cautions that suits and liens are counts of filings, not homes lost. A recorded lien can be released or settled, and a lawsuit can end without a home going to auction.
The material provided also does not give a full breakdown of the 460,412 lien claims by year, amount owed, current status or unique property. A home may appear in more than one record, so these totals should not be treated as counts of distinct households or properties without further verification. The report’s underlying records and methodology would need to be examined to assess coverage, duplicates and case outcomes.
Tracking Cases And Resolutions
The immediate next step for readers seeking to assess a specific property is to check its county records and court docket; HOA Spy links communities to individual records in its database. A filing should be reviewed for its current status and any later release, settlement or judgment, rather than treated as proof of a completed foreclosure.
Further clarity on the statewide impact would require outcome data: how many association suits end in payment, dismissal, settlement or foreclosure, and how often liens prevent sales or refinancing. The source material does not identify a forthcoming government review or policy change. For now, the figures document a large volume of association filings, while their direct effect on housing availability remains unquantified.
Key Questions
How many foreclosure suits have Florida associations filed against members?
HOA Spy reports 10,296 suits brought by Florida associations against their own members in the records it reviewed. This is a count of suits, not completed foreclosures.
Does a foreclosure suit mean a homeowner lost the property?
No. HOA Spy says many suits end when the owner or the owner’s lender pays. The report does not give the final outcome for every case.
How many association liens does the report count?
The report lists 460,412 claims of lien recorded against homes. It does not establish that every claim remains active or represents a different property.
Why can an association lien affect a home sale?
According to HOA Spy, a lien may need to be resolved before a sale can close and can complicate refinancing. The specific effect depends on the property’s records and the circumstances of the claim.
Are the 2026 foreclosure numbers for a full year?
No. HOA Spy reports 667 association-filed suits so far in 2026; the figure is partial and is not directly comparable with a full-year total.
Source: hn
