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HOA Violation Histories: Why Title Companies Should Pay Attention Before Closing

Picture of Paul Soucek

HOA violation histories are often overlooked in the closing process—but they can reveal critical information about a property and its standing within the community. For title companies, reviewing these records can help prevent post-sale disputes, protect buyers, and ensure smoother closings. With COCRS, accessing and interpreting violation data is easier than ever.

Why Violation Histories Matter
HOAs track violations for issues such as:

  • Landscaping neglect
  • Unauthorized exterior modifications
  • Parking infractions
  • Noise complaints
  • Pet violations

If a property has unresolved or recurring violations, the buyer may inherit fines, enforcement actions, or strained neighbor relations.

Risks for Title Companies and Buyers

  • Unpaid fines may appear after closing
  • Pending enforcement actions could lead to legal issues
  • Buyer dissatisfaction if unaware of restrictions or prior conflicts
  • Delayed closings if violations are discovered late

How Title Companies Can Use Violation Data

  • Request violation history reports from the HOA or management company
  • Include summaries in the title commitment if relevant
  • Alert buyers and agents to unresolved issues
  • Recommend resolution or escrow for disputed fines

How COCRS Supports This Process
COCRS helps title companies obtain HOA records to:

  • Retrieve violation records and enforcement letters 
  • Access HOA communications and meeting minutes
  • Identify patterns of enforcement or leniency
  • Flag properties with frequent or unresolved issues

Best Practices

  • Always check for open violations before closing
  • Educate clients on common HOA infractions
  • Use COCRS to streamline document retrieval and verification
  • Partner with agents to resolve issues proactively

Conclusion
HOA violation histories offer valuable insight into a property’s compliance and community standing. By reviewing these records and leveraging COCRS’s tools, title companies can protect buyers, reduce risk, and enhance their service.