I am a current homeowner at Shadow Ridge Condominiums sharing my documented experience so…read moreprospective and current homeowners understand what can occur when an account becomes delinquent. To be transparent, I fell behind on monthly assessments beginning in November 2025 and take responsibility for that. My concern is how quickly the balance escalated into a lien, accelerated assessments, substantial legal fees, and civil litigation. At the end of Oct. 2025, my account had a $14 credit. After the November assessment, $192 remained unpaid, and I paid $250 on Dec. 5. On Jan. 27, 2026, I received a ledger showing $435 past due. On Feb. 20, a Notice of Intent to Lien was prepared for $701.71. On March 2, a lien was recorded against my property for $928.76, plus continuing assessments, late fees and a $250 lien cost. USPS attempted certified-mail delivery of the lien notice March 9 and March 23, with notices left at my residence. I did not retrieve those letters and did not learn through those attempts that a lien had already been recorded. On April 6, Association counsel prepared a demand reflecting $3,830.39. Certified-mail delivery attempts were also made April 10 and 15. On April 16 and 20, I issued payments totaling $1,420. I contacted the Association's accountant myself, acknowledged the missed payments and requested an updated statement. After my inquiries, I received the updated ledger and demand letter April 28. On April 29, Association counsel provided me with the Notice of Intent to Lien and recorded lien. This is how I learned that a lien had already been recorded against my property. On April 30, I requested an Advisory Opinion from the Utah HOA Ombudsman. On July 17, the Ombudsman concluded that the Association did not violate Utah law in imposing the lien and that certified mail was a reasonable notice method. I include this because I want my review to reflect the complete outcome. I continued making payments while disputing certain fees and seeking clarification. Association records later reflected legal fees of $540, $2,295 and an additional $6,345. The July 28 statement showed $11,186.47 claimed due, plus the upcoming August assessment. I requested an itemization to understand the attorney fees. The billing information provided included attorney time for reviewing/responding to homeowner correspondence and communications involving the Association's accountant, as well as substantial attorney time associated with the Association's response to my Ombudsman request. Some portions of the billing descriptions provided to me were redacted. This concerned me because some underlying communications involved questions I initially directed to the Association's accountant regarding my account and requests for information or clarification. I continue to dispute certain attorney fees. I also requested an opportunity to address my disputed account with the Board. On Aug. 28, Association counsel responded that I was not entitled to the general hearing requested and directed communications regarding my account through counsel. The same letter notified me that the Association has filed a civil action against me in Third District Court, Salt Lake County, seeking amounts it claims are owed, interest, collection costs and attorney fees. I am not claiming I never owed assessments. I did, and I take responsibility for falling behind. I am sharing what I experienced afterward. If considering purchasing here, carefully review the governing documents and collection procedures. Understand how delinquent assessments, liens, acceleration, payment application, collection costs and attorney fees are handled. Also understand that once an account involves legal counsel, communications concerning the account may involve counsel and potentially result in additional legal charges being assessed. Monitor regular and certified mail closely and maintain your own payment and correspondence records. This review reflects my personal experience and retained documentation. The matter remains in ongoing civil litigation.