Conn. Gen. Stat. §47-258
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CIOA — Lien for Assessments and Other Sums Due Association

The Connecticut assessment lien — nationally notable for its nine-month super-priority. The association holds a statutory lien for assessments, fines, late charges, interest, and attorney's fees. In foreclosure the lien primes even first and second mortgages to the extent of nine months of budget-based common expense assessments (late fees, interest, and fines excluded) plus the association's costs and reasonable attorney's fees (P.A. 13-156 raised the priority from six to nine months in 2013). Recording the declaration perfects the lien with no further filing. Enforcement must begin within three years or the lien is extinguished. Foreclosure proceeds in like manner as a mortgage — judicially in Connecticut — and requires at least two months of delinquency, a payment demand, a board vote or standing policy, and sixty days' notice to mortgage holders. Payoff statements are due within ten business days and bind the association.

Status Active
Effective Apr 13, 2026
Verified Jul 8, 2026
Source Official text

Reviewed · Connecticut changes feed

Statutory Text Verified Jul 8, 2026 · CGA_CT_GOV
Sec. 47-258. Lien for assessments and other sums due association. Enforcements. (a) The association has a statutory lien on a unit for any assessment attributable to that unit or fines imposed against its unit owner. Unless the declaration otherwise provides, reasonable attorneys' fees and costs, other fees, charges, late charges, fines and interest charged pursuant to subdivisions (10), (11) and (12) of subsection (a) of section 47-244 and any other sums due to the association under the declaration, this chapter, or as a result of an administrative, arbitration, mediation or judicial decision, are enforceable in the same manner as unpaid assessments under this section. If an assessment is payable in installments, the full amount of the assessment is a lien from the time the first installment thereof becomes due. (b) Notwithstanding any provision in the declaration or bylaws to the contrary, a lien under this section is prior to all other liens and encumbrances on a unit except (1) liens and encumbrances recorded before the recordation of the declaration and, in a cooperative, liens and encumbrances which the association creates, assumes or takes subject to, (2) a first or second security interest on the unit recorded before the date on which the assessment sought to be enforced became delinquent, or, in a cooperative, a first or second security interest encumbering only the unit owner's interest and perfected before the date on which the assessment sought to be enforced became delinquent, and (3) liens for real property taxes and other governmental assessments or charges against the unit or cooperative. In all actions brought to foreclose a lien under this section or a security interest described in subdivision (2) of this subsection, the lien is also prior to all security interests described in subdivision (2) of this subsection to the extent of (A) an amount equal to the common expense assessments based on the periodic budget adopted by the association pursuant to subsection (a) of section 47-257 which would have become due in the absence of acceleration during the nine months immediately preceding institution of an action to enforce either the association's lien or a security interest described in subdivision (2) of this subsection, excluding any late fees, interest or fines which may be assessed by the association during the nine-month period, and (B) the association's costs and reasonable attorney's fees in enforcing its lien. A lien for any assessment or fine specified in subsection (a) of this section shall have the priority provided for in this subsection in an amount not to exceed the amount specified in subparagraph (A) of this subsection. This subsection does not affect the priority of mechanics' or materialmen's liens or the priority of liens for other assessments made by the association. (c) Unless the declaration otherwise provides, if two or more associations have liens for assessments created at any time on the same property, those liens have equal priority. (d) Recording of the declaration constitutes record notice and perfection of the lien. No further recordation of …
Assessment
Ref Requirement
(a) The association's lien is not just for dues — fines, late charges, interest, and legal fees ride along.
(b) Connecticut gives associations one of the strongest lien positions in the country — nine months of regular assessments plus collection costs come ahead of even the first mortgage.
(d) The lien exists automatically — the association never has to record a separate lien document.
Disclosure
Ref Requirement
(h) Closing attorneys can rely on the association's payoff letter — it is due in ten business days and the association is bound by it.
Enforcement
Ref Requirement
(m)(2) Lenders get a 60-day warning — with exact payoff numbers — before an association forecloses.
Legal references last verified July 8, 2026. This content is educational and informational. It does not constitute legal advice. Consult a licensed attorney in your state for legal guidance specific to your situation.
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