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

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.