Maryland HOA Special Assessment Rules (2026)
Md. Code, Real Prop. § 11-101 (Maryland Condominium Act) · Last reviewed 2026
A special assessment is a one-time charge levied by an HOA board to cover an unexpected or deferred expense not covered by the operating budget or reserve fund. Below are the key rules that govern how Maryland HOAs may levy special assessments and what rights homeowners have.
Key facts at a glance
Can levy without member vote
Board may levy special assessments for common expenses as authorized by the declaration. No statewide cap — governing documents control.
Not required by statute
Trigger: Only if required by the community's declaration or bylaws
15 days
Advance written notice to members before assessment levy
Available
Board may levy emergency assessments for imminent threats to persons or property without standard notice.
- Board may levy special assessments as authorized by the declaration
- 15-day advance written notice to unit owners required
- No statewide dollar cap — governing documents control
- Emergency assessments may bypass standard notice
- Special assessments must be disclosed in the resale Unit Disclosure Statement
Maryland condo unit owners may file a complaint with the Office of the Attorney General for certain HOA violations. IDR and formal dispute resolution are also available.
Pending special assessments must be disclosed in the resale disclosure (Unit Disclosure Statement). FHA and Fannie Mae review active assessments for Maryland condo loans.
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Start 14-Day Free TrialThis page provides general legal information only — not legal advice. HOA special assessment laws vary by community type (planned community, condominium, cooperative, etc.) and are subject to change. The information on this page is based on statutes in effect as of 2026 and may not reflect recent legislative changes. Always consult a licensed HOA attorney and review your governing documents before taking action.