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State Summary
Complete Tennessee HOA guide under TN Code §66-27-401. How Tennessee differs from Florida and Georgia, lien foreclosure rules, and how to protect yourself from unfair enforcement.
Governing Law: Tennessee Condominium Act of 2008, Unit Owners' Association (Part 4) — TN Code §66-27-401 et seq.
Researched by Brandon Sorensen
Max Fine
No statutory cap (varies by governing documents)
Aggregate Cap
Determined by HOA bylaws
Notice Period
Varies (no specific statutory minimum)
Hearing
Condo assocs: notice + opportunity to be heard (§66-27-402); others per documents
Tennessee has no general statewide HOA statute. Condominium associations are governed by the Tennessee Condominium Act of 2008 — Unit Owners' Association provisions (TN Code §66-27-401 through §66-27-418) for associations formed after January 1, 2009, and by the Tennessee Horizontal Property Act (TN Code §66-27-101 through §66-27-123) for older condo associations. Non-condominium (single-family) HOAs are governed mainly by their declarations/CC&Rs and, where organized as nonprofits, the Tennessee Nonprofit Corporation Act (Title 48).
Unlike Florida and Georgia, Tennessee currently lacks a comprehensive, unified HOA regulatory code that applies statewide. This means Tennessee homeowners have fewer statutory protections than those in neighboring states — but also fewer restrictions on what HOAs can prohibit. Your governing documents (CC&Rs, bylaws, and rules) are extremely important and often define your rights and the HOA's enforcement authority.
Tennessee legislators once proposed a comprehensive "Tennessee Homeowners Association Act" (Senate Bill 405 / House Bill 610) in 2015-2016, which would have created a unified regulatory framework similar to Florida and Georgia. That bill died in committee in 2016 and was never enacted; no general statewide HOA act has passed since. Until one does, understanding your specific HOA's governing documents and the limited statutory framework is critical.
This guide covers Tennessee HOA law, what protections you DO have, how to fight violations, and how Tennessee compares to neighboring states like Georgia and Kentucky.
Homeowners associations in Tennessee are governed by the Tennessee Condominium Act of 2008, Unit Owners' Association (Part 4) — TN Code §66-27-401 et seq.. Under that statute, the maximum fine an HOA can impose is No statutory cap (varies by governing documents), with Determined by HOA bylaws as the aggregate limit for continuing or repeated violations.
Before a fine becomes enforceable, your HOA must give you Varies (no specific statutory minimum). Tennessee requires a hearing in the following circumstances: Condo assocs: notice + opportunity to be heard (§66-27-402); others per documents. If your HOA skipped any of these procedural steps, the fine may be challengeable on procedural grounds regardless of whether you actually violated the underlying rule.
The three guides below cover the law in depth: how to fight a violation in Tennessee, what your rights and the HOA's obligations are under Tennessee Condominium Act of 2008, Unit Owners' Association (Part 4) — TN Code §66-27-401 et seq., and the specific dollar limits and lien rules that apply to fines.
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Step-by-step guide to challenging Tennessee HOA violations. Understand your limited hearing rights, document violations, selective enforcement defenses, and when to hire an attorney.
Read Guide →Comprehensive explanation of Tennessee HOA law (TN Code §66-27-401 et seq., Horizontal Property Act). Your rights to records, meetings, voting, and what Tennessee law requires of boards.
Read Guide →Complete guide to Tennessee HOA fining authority. No statutory fine caps, lien and foreclosure procedures, comparison with Georgia and Kentucky, and how to protect yourself.
Read Guide →Tennessee HOA law is less comprehensive than Florida or Georgia. The primary statutes governing Tennessee HOAs are: Core Statutory Framework Tennessee Condominium Act of 2008 — Unit Owners' Association provisions (TN Code §66-27-401 through §66-27-418) — Governs condominium…
Read the full Tennessee HOA laws guide →Tennessee law does not impose statewide maximum fine amounts. This is one of the most significant differences between Tennessee and neighboring states like Florida and Georgia.
Read the full Tennessee HOA fine-limits guide →Because Tennessee law does not impose comprehensive HOA regulations like Florida does, your HOA's governing documents are your primary source of protection. These documents include: Key Governing Documents to Review Declaration of Covenants, Conditions & Restrictions (CC&Rs) —…
Read the full Tennessee dispute guide →Tennessee law does not impose a statewide maximum fine. The maximum fine is determined by your HOA's governing documents (CC&Rs, bylaws, and rules). Unlike Florida ($100 per violation), Tennessee allows HOAs to set their own fine amounts if their governing documents permit it. Always check your CC&Rs for fine authority and limits.
Yes. Under TN Code §66-27-415, a condominium association has a lien on your unit for unpaid assessments and fines once they become due. The lien is enforceable when recorded in county records. This is a significant risk in Tennessee compared to Florida (which requires $1,000+ debt for lien eligibility). The association must enforce the lien (by foreclosure) within 6 years of recording; after that, it expires.
Tennessee sets no specific minimum notice period in days. For condominium associations, fines do require notice and an opportunity to be heard under TN Code §66-27-402, but no day count is specified; your governing documents control the timeline. Non-condo HOAs rely on their CC&Rs for notice and hearing procedures. Many HOAs provide 14-30 days notice, but this is not set by statute, so always check your documents.
Tennessee and <a href="/states/florida" class="text-primary-600 hover:text-primary-700 underline">Florida</a> differ significantly: (1) <a href="/states/florida" class="text-primary-600 hover:text-primary-700 underline">Florida</a> caps fines at $100 per violation; Tennessee has no statutory cap. (2) <a href="/states/florida" class="text-primary-600 hover:text-primary-700 underline">Florida</a> requires independent 3-member hearing committees; Tennessee does not require a hearing committee by statute (though condominium associations must give notice and an opportunity to be heard before fines under §66-27-402). (3) <a href="/states/florida" class="text-primary-600 hover:text-primary-700 underline">Florida</a> prohibits liens under $1,000; Tennessee allows liens for any unpaid fine. (4) <a href="/states/florida" class="text-primary-600 hover:text-primary-700 underline">Florida</a> has a 5-year statute of limitations for foreclosure; Tennessee allows foreclosure within 6 years. Tennessee offers fewer protections, making your CC&Rs and bylaws even more critical.
Explore detailed guides for specific violation types, including your rights, sample response letters, and appeal strategies.
Every state has different HOA rules. Compare Tennessee's with these high-traffic state guides, or see all 50 in the Max HOA Fine in Every State master table.
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