{"id":9724,"date":"2025-11-06T23:03:00","date_gmt":"2025-11-06T23:03:00","guid":{"rendered":"https:\/\/easytitlesearch.com\/articles\/?p=9724"},"modified":"2026-02-24T22:29:10","modified_gmt":"2026-02-24T22:29:10","slug":"are-hoa-liens-wiped-out-in-foreclosure","status":"publish","type":"post","link":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/","title":{"rendered":"Are HOA Liens Wiped Out in Foreclosure?"},"content":{"rendered":"\n<p>Many Florida investors assume that when a first mortgage forecloses, all HOA or condo-related debts automatically disappear. While a foreclosure often eliminates the recorded HOA lien, it does not always eliminate the assessment debt that the association is legally allowed to pursue. This misunderstanding is one of the most common reasons investors end up with surprise bills after purchasing a foreclosure property.<\/p>\n\n\n\n<p>The key is understanding that the lien and the debt are two different things.<\/p>\n\n\n\n<iframe loading=\"lazy\" title=\"HOA Liens at Foreclosure Auctions: What Investors MUST Know\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/tcQKAIpM1oQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">In this Article:<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3b2451e9d93\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3b2451e9d93\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#The_Lien_and_the_Debt_Are_Not_the_Same\" >The Lien and the Debt Are Not the Same<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#Does_a_First_Mortgage_Foreclosure_Wipe_Out_the_HOA_Lien\" >Does a First Mortgage Foreclosure Wipe Out the HOA Lien?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#Does_the_HOA_Debt_Survive_the_Foreclosure_Sale\" >Does the HOA Debt Survive the Foreclosure Sale?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#The_Safe_Harbor_Rule_and_Why_It_Rarely_Helps_Investors\" >The Safe Harbor Rule and Why It Rarely Helps Investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#When_an_HOA_Lien_Might_Not_Be_Wiped_Out_at_All\" >When an HOA Lien Might Not Be Wiped Out at All<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#What_Investors_Should_Do_Before_Bidding\" >What Investors Should Do Before Bidding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#Bottom_Line\" >Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Lien_and_the_Debt_Are_Not_the_Same\"><\/span><strong>The Lien and the Debt Are Not the Same<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When an owner stops paying HOA or condo dues, the association is owed money and may record a lien in the&nbsp;county\u2019s official records to secure that debt. The lien is simply a recorded claim against the property. The debt is the unpaid assessments, interest, late fees, and sometimes attorney fees.<\/p>\n\n\n\n<p>A foreclosure can wipe out the lien, but that does not necessarily erase the debt that it secures. Florida Statutes 718.116 and 720.3085 allow associations to collect specific unpaid assessments from the new owner.&nbsp;This&nbsp;is why an <a href=\"https:\/\/easytitlesearch.com\/articles\/how-to-do-a-lien-search-on-a-property-in-florida\/\" title=\"How to Do a Lien Search on a Property in Florida: A Comprehensive Guide for Investors\" data-wpil-monitor-id=\"87\">investor<\/a> can take title free of the lien but still be responsible for the amount the previous owner owed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_a_First_Mortgage_Foreclosure_Wipe_Out_the_HOA_Lien\"><\/span><strong>Does a First Mortgage Foreclosure Wipe Out the HOA Lien?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In most cases, yes. If the first mortgage foreclosure is handled correctly, the recorded HOA or condo lien is treated as a junior interest that is extinguished by <a href=\"https:\/\/easytitlesearch.com\/articles\/what-is-a-judgement-lien-2\/\" data-wpil-monitor-id=\"69419\">the final judgment<\/a>.&nbsp;This&nbsp;assumes the association was named correctly and served in the lawsuit, and the judgment clearly eliminates subordinate claims.<\/p>\n\n\n\n<p>Once the sale is complete and the certificate of title is issued, the original lien no longer encumbers the property. Many investors feel safe at this point, but the financial exposure may not be over.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_the_HOA_Debt_Survive_the_Foreclosure_Sale\"><\/span><strong>Does the HOA Debt Survive the Foreclosure Sale?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Often it does. Florida law allows associations to pursue specific unpaid assessments from the new owner who acquires the property after a foreclosure sale. If the new owner does not pay these amounts, the association can simply issue an estoppel showing the balance owed, wait the statutory period, and then record a new lien for that debt. The original lien has been removed, but the debt itself may still be outstanding.<\/p>\n\n\n\n<p>This is also why many associations are now using\u00a0<a href=\"https:\/\/titlepatrol.com\/\">HOA ownership change monitoring<\/a>\u00a0to track when units transfer at foreclosure auctions, so they can immediately establish the correct billing relationship with the new owner.<\/p>\n\n\n\n<p>This\u00a0is a surprise for many first-time foreclosure buyers, especially since most assume the foreclosure\u00a0eliminated everything the owner owed to the association.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Safe_Harbor_Rule_and_Why_It_Rarely_Helps_Investors\"><\/span><strong>The Safe Harbor Rule and Why It Rarely Helps Investors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Florida\u2019s&nbsp;safe harbor provision limits how much a first mortgage lender must pay in unpaid assessments when it takes title after a foreclosure. The lender usually pays the lesser of 12 months of assessments or one percent of the original mortgage amount. This protection applies to the first mortgage lender and its approved successors.<\/p>\n\n\n\n<p>The safe harbor rule does not apply to third-party investors who win the foreclosure auction. Investors should assume they will owe the full amount unless an estoppel or legal review proves otherwise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_an_HOA_Lien_Might_Not_Be_Wiped_Out_at_All\"><\/span><strong>When an HOA Lien Might Not Be Wiped Out at All<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are situations where the&nbsp;association\u2019s&nbsp;lien survives the foreclosure.&nbsp;This&nbsp;can happen if the association was not named as a defendant, was misnamed, was not served correctly, or if the legal description in the foreclosure documents was inaccurate. A defective judgment can also render the lien enforceable.<\/p>\n\n\n\n<p>This&nbsp;is why reviewing both the foreclosure case and a complete title search is essential before bidding.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Investors_Should_Do_Before_Bidding\"><\/span><strong>What Investors Should Do Before Bidding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even though only three bullet points are used in this article, this list is important:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Verify that the HOA or condo association was properly named and served in the foreclosure<\/li><li>Review the&nbsp;association\u2019s&nbsp;estoppel or ledger before bidding<\/li><li>Understand that the unpaid assessments may <a href=\"https:\/\/easytitlesearch.com\/articles\/which-liens-survive-a-florida-foreclosure\/\" title=\"Which liens survive a Florida foreclosure\" data-wpil-monitor-id=\"86\">survive even if the lien<\/a> does not<\/li><\/ul>\n\n\n\n<p>These simple steps prevent expensive surprises after taking title.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><strong>Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A first mortgage foreclosure in Florida usually wipes out the HOA or condo lien recorded in the public records, but it does not always eliminate the assessment debt behind it. For investors, the safe harbor rule rarely applies, and unpaid assessments often follow the property. Anyone bidding on a property involving an HOA or condo should review the&nbsp;association\u2019s&nbsp;status, the foreclosure case, and any outstanding balances before placing a bid.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many Florida investors assume that when a first mortgage forecloses, all HOA or condo-related debts automatically disappear. While a foreclosure often eliminates the recorded HOA lien, it does not always eliminate the assessment debt that the association is legally allowed &hellip; <a href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/\"> <!--<span class=\"meta-nav\">&rarr;<\/span>--><\/a><\/p>\n","protected":false},"author":1,"featured_media":9728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69],"tags":[142,89,141,88,76,63,71],"class_list":["post-9724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-title-issues","tag-association-liens","tag-florida","tag-hoa","tag-lien-search","tag-liens","tag-real-estate","tag-title-search"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Are HOA Liens Wiped Out in Foreclosure? -<\/title>\n<meta name=\"description\" content=\"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are HOA Liens Wiped Out in Foreclosure? -\" \/>\n<meta property=\"og:description\" content=\"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/\" \/>\n<meta property=\"og:site_name\" content=\"Easy Title Search Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-06T23:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T22:29:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1152\" \/>\n\t<meta property=\"og:image:height\" content=\"864\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"David Sicherman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Sicherman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/\"},\"author\":{\"name\":\"David Sicherman\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/#\\\/schema\\\/person\\\/04fc6cc52163fb83bdd6fad6525def51\"},\"headline\":\"Are HOA Liens Wiped Out in Foreclosure?\",\"datePublished\":\"2025-11-06T23:03:00+00:00\",\"dateModified\":\"2026-02-24T22:29:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/\"},\"wordCount\":767,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png\",\"keywords\":[\"association liens\",\"Florida\",\"HOA\",\"lien search\",\"liens\",\"real estate\",\"Title Search\"],\"articleSection\":[\"Title Issues\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/\",\"url\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/\",\"name\":\"Are HOA Liens Wiped Out in Foreclosure? -\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png\",\"datePublished\":\"2025-11-06T23:03:00+00:00\",\"dateModified\":\"2026-02-24T22:29:10+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/#\\\/schema\\\/person\\\/04fc6cc52163fb83bdd6fad6525def51\"},\"description\":\"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#primaryimage\",\"url\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png\",\"contentUrl\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png\",\"width\":1152,\"height\":864,\"caption\":\"Are HOA Liens Wiped Out in Foreclosure?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/are-hoa-liens-wiped-out-in-foreclosure\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Are HOA Liens Wiped Out in Foreclosure?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/\",\"name\":\"Easy Title Search Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/#\\\/schema\\\/person\\\/04fc6cc52163fb83bdd6fad6525def51\",\"name\":\"David Sicherman\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g\",\"caption\":\"David Sicherman\"},\"description\":\"I have been involved in Real Estate since 2007. I am co-founder of EasyTitleSearch and other real estate services. I have successfully flipped over 100 properties and contracts across the country.\",\"sameAs\":[\"http:\\\/\\\/easytitlesearch.com\"],\"url\":\"https:\\\/\\\/easytitlesearch.com\\\/articles\\\/author\\\/davidsman\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Are HOA Liens Wiped Out in Foreclosure? -","description":"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/","og_locale":"en_US","og_type":"article","og_title":"Are HOA Liens Wiped Out in Foreclosure? -","og_description":"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.","og_url":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/","og_site_name":"Easy Title Search Blog","article_published_time":"2025-11-06T23:03:00+00:00","article_modified_time":"2026-02-24T22:29:10+00:00","og_image":[{"width":1152,"height":864,"url":"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png","type":"image\/png"}],"author":"David Sicherman","twitter_card":"summary_large_image","twitter_misc":{"Written by":"David Sicherman","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#article","isPartOf":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/"},"author":{"name":"David Sicherman","@id":"https:\/\/easytitlesearch.com\/articles\/#\/schema\/person\/04fc6cc52163fb83bdd6fad6525def51"},"headline":"Are HOA Liens Wiped Out in Foreclosure?","datePublished":"2025-11-06T23:03:00+00:00","dateModified":"2026-02-24T22:29:10+00:00","mainEntityOfPage":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/"},"wordCount":767,"commentCount":0,"image":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#primaryimage"},"thumbnailUrl":"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png","keywords":["association liens","Florida","HOA","lien search","liens","real estate","Title Search"],"articleSection":["Title Issues"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/","url":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/","name":"Are HOA Liens Wiped Out in Foreclosure? -","isPartOf":{"@id":"https:\/\/easytitlesearch.com\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#primaryimage"},"image":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#primaryimage"},"thumbnailUrl":"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png","datePublished":"2025-11-06T23:03:00+00:00","dateModified":"2026-02-24T22:29:10+00:00","author":{"@id":"https:\/\/easytitlesearch.com\/articles\/#\/schema\/person\/04fc6cc52163fb83bdd6fad6525def51"},"description":"Find out if HOA liens are wiped out in foreclosure in Florida. Learn the difference between the lien and the debt, and what investors owe after buying at auction.","breadcrumb":{"@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#primaryimage","url":"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png","contentUrl":"https:\/\/easytitlesearch.com\/articles\/wp-content\/uploads\/2025\/11\/Are-HOA-Liens-Wiped-Out-in-Foreclosure.png","width":1152,"height":864,"caption":"Are HOA Liens Wiped Out in Foreclosure?"},{"@type":"BreadcrumbList","@id":"https:\/\/easytitlesearch.com\/articles\/are-hoa-liens-wiped-out-in-foreclosure\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/easytitlesearch.com\/articles\/"},{"@type":"ListItem","position":2,"name":"Are HOA Liens Wiped Out in Foreclosure?"}]},{"@type":"WebSite","@id":"https:\/\/easytitlesearch.com\/articles\/#website","url":"https:\/\/easytitlesearch.com\/articles\/","name":"Easy Title Search Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/easytitlesearch.com\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/easytitlesearch.com\/articles\/#\/schema\/person\/04fc6cc52163fb83bdd6fad6525def51","name":"David Sicherman","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5398e109d2ea0077130482ea8dcc489e0d6a4000bd9a87a1446ae4cdca401ff1?s=96&d=retro&r=g","caption":"David Sicherman"},"description":"I have been involved in Real Estate since 2007. I am co-founder of EasyTitleSearch and other real estate services. I have successfully flipped over 100 properties and contracts across the country.","sameAs":["http:\/\/easytitlesearch.com"],"url":"https:\/\/easytitlesearch.com\/articles\/author\/davidsman\/"}]}},"_links":{"self":[{"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/posts\/9724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/comments?post=9724"}],"version-history":[{"count":1046,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/posts\/9724\/revisions"}],"predecessor-version":[{"id":62885,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/posts\/9724\/revisions\/62885"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/media\/9728"}],"wp:attachment":[{"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/media?parent=9724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/categories?post=9724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/easytitlesearch.com\/articles\/wp-json\/wp\/v2\/tags?post=9724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}