Which type of lien would a homeowner typically encounter in a subdivision development?

In a subdivision development, a homeowner is likely to encounter an HOA/Condo Contract Lien because homeowners associations (HOAs) are common in such developments. These associations are established to manage and maintain common areas and enforce community rules. As part of their operations, HOAs often charge fees to homeowners for maintenance, amenities, and services.

When a homeowner fails to pay these fees, the HOA has the legal right to place a lien on the property to secure the payment of those dues. This lien must be satisfied before the property can be sold or refinanced, making it a significant concern for homeowners in subdivisions. The association's ability to enforce liens emphasizes the importance of maintaining good standing with the HOA to avoid any legal or financial repercussions. This context makes understanding the nature and implications of HOA liens essential for homeowners in subdivision developments.