# Arizona HOA Foreclosure: The Dollar and Time Thresholds (2026)

> Arizona does not let an HOA foreclose over a small balance. For a planned community, Revised Statutes 33-1807 allows foreclosure of an assessment lien only when the owner owes $10,000 or more, or has been delinquent for more than 18 months, whichever comes first (these thresholds were raised effective September 26, 2025). For a condominium, Revised Statutes 33-1256 sets the bar at $1,200 or more in delinquent assessments (excluding late fees, interest, and attorney fees), or delinquency of a year or longer. In both cases the association has to make reasonable efforts to communicate with the owner and offer a reasonable payment plan before filing. For a buyer, the minutes and the financial statements show how active the board is with liens and foreclosures.

_Source: https://hoanotes.com/hoa/arizona/foreclosure/ | Last reviewed 2026-06-03_

## What the law requires before foreclosure

Arizona sets a floor under HOA foreclosure, and it differs by community type. In a planned community, Revised Statutes 33-1807 lets the association foreclose an assessment lien only when the owner owes $10,000 or more, or has been delinquent for more than 18 months, whichever happens first. Those thresholds were raised, effective September 26, 2025, from the prior $1,200 or 12 months.

In a condominium, Revised Statutes 33-1256 keeps the older bar: foreclosure requires $1,200 or more in delinquent assessments, not counting late fees, interest, and attorney fees, or a delinquency that has lasted a year or longer. In both a planned community and a condominium, the association has to make reasonable efforts to communicate with the owner and offer a reasonable payment plan before it files a foreclosure action. An owner can stop the foreclosure by paying what is owed before the sale.

## Why a buyer should care

These thresholds protect you as an owner, but they also give you a lens on the association. A board that pushes accounts toward foreclosure, or a governing document that claims it can foreclose over any unpaid balance, is telling you something about how it operates and whether its documents track current Arizona law, which changed in 2025.

## What to check in the disclosure packet

Read these together before you make an offer:

- Whether the community is a planned community ($10,000 or 18 months) or a condominium ($1,200 or 12 months), since the threshold differs.
- Recent board minutes for foreclosure activity and how often liens turn into foreclosure.
- The delinquency rate in the financial statements, which drives collection pressure.
- Any CC&R or rule that claims a power to foreclose over a small balance, which conflicts with the statute.

## Why this matters to your offer

Foreclosure practice is a window into both the finances and the governance of an association, and a document that overstates the board's foreclosure power is a sign it has drifted from Arizona law.

An HOA Notes brief reads the CC&Rs, the collection policy, and the minutes together, flags foreclosure provisions that conflict with the statutes, and cites the page behind every finding.

## What the statute says

**Arizona Revised Statutes section 33-1807 and section 33-1256** (Foreclosure thresholds). For planned community associations, the association may not initiate foreclosure unless unpaid assessments exceed $10,000 OR the delinquency has continued for more than 18 months (section 33-1807); for condominium associations, the threshold is $1,200 OR delinquency continuing for more than 12 months (section 33-1256); an owner cures the right to foreclosure by paying all amounts owed, including fees and costs, before the trustee's sale. After meeting the applicable threshold, the association may proceed with nonjudicial trustee's sale foreclosure; it may also pursue judicial foreclosure at any time after the assessment becomes delinquent, regardless of threshold.

## Arizona HOA foreclosure: common questions

### When can an Arizona planned community HOA foreclose?

Only when the owner owes $10,000 or more, or has been delinquent for more than 18 months, whichever comes first. Those thresholds were raised effective September 26, 2025.

### When can an Arizona condo association foreclose?

When the owner owes $1,200 or more in delinquent assessments, excluding late fees, interest, and attorney fees, or has been delinquent for a year or longer.

### Does the HOA have to offer a payment plan first?

Yes. In both a planned community and a condominium, the association must make reasonable efforts to communicate and offer a reasonable payment plan before filing a foreclosure action.

### Can I stop an HOA foreclosure by paying?

Yes. Paying all amounts owed, including fees and costs, before the trustee's sale cures the right to foreclose.

## Sources (verified 2026-06-03)

1. Arizona Revised Statutes section 33-1807 (common expense liens; foreclosure threshold), Arizona State Legislature. Verified 2026-06-03. https://www.azleg.gov/ars/33/01807.htm
2. HOA and COA Laws and Foreclosures in Arizona, Nolo. Verified 2026-06-03. https://www.nolo.com/legal-encyclopedia/arizona-hoa-foreclosures.html
3. The HOA's Right to Foreclose, Carpenter, Hazlewood, Delgado and Bolen (CHDB Law). Verified 2026-06-03. https://www.chdblaw.com/the-hoas-right-to-foreclose/

HOA Notes is not a law firm and this is not legal advice.