Most Realtors are familiar with common title issues like mortgages or unpaid property taxes. But there are
plenty of hidden property liens in Florida that can derail a closing if not caught early. Here are a few that tend to surprise buyers, sellers, and sometimes even experienced agents.
HOA or Condo Fines
A missed dues payment is one thing—but HOAs and condo associations can also attach liens for fines, rule violations, or unpaid assessments. These liens must be resolved before closing.
Code Enforcement Liens
If a property has unresolved violations (like unpermitted work, tall grass, or junk in the yard), the municipality may place a lien. Even small infractions can grow into large balances due to daily fines.
Utility Balances
Water, sewer, and even trash bills can become liens if unpaid. These don’t always show up on standard reports, which is why thorough title work is crucial.
Contractor or Mechanic’s Liens
Work completed on the home but left unpaid—by the owner or a previous owner—can leave subcontractors with the right to file liens. New construction homes are especially vulnerable.
Why This Matters for Realtors
When clients assume the title is “clean” and then discover unexpected liens at the 11th hour, deals get delayed—or fall apart. Partnering with The Title Link means these hidden issues are identified and resolved long before closing day.