AI HOA Assistant for Memphis HOA & Condo Managers
The only HOA management platform pre-loaded with the Tennessee Horizontal Property Act (TCA §66-27) and Memphis/Shelby County HOA ordinances. Citation-grade answers from your actual governing documents — available 24/7 to homeowners and your team.
Memphis HOA & condo market at a glance
1.4M
metro area residents (620K city proper)
2,200+
HOA and condo associations in the Memphis area
145K
homes governed by HOA communities in the region
$80–$200
typical monthly HOA fee in Memphis associations
Memphis is the largest city in Tennessee and the economic hub of the Mid-South. With a rapidly growing suburban footprint across Shelby County and neighboring Fayette and DeSoto counties, HOA communities are the dominant form of residential governance in new developments. Tennessee law provides a framework under TCA §66-27, but the real compliance burden lies in each association's unique Declaration, bylaws, and local Shelby County filing requirements. IgeraFincas handles all of it.
Tennessee HOA & condo law explained
TCA §66-27 in plain English — the key compliance points every Memphis HOA manager must know
Tennessee Horizontal Property Act
Tennessee's primary condo law governs how horizontal property regimes (condominiums) are created and operated. Under §66-27-104, a horizontal property regime is created by recording a Declaration with the county Register of Deeds. Section §66-27-113 establishes each unit owner's undivided interest in common elements, while §66-27-114 prohibits partition of common elements. Associations must assess unit owners proportionally and maintain records of ownership interests. IgeraFincas answers all TCA §66-27 compliance questions with exact section citations.
Assessment collection & lien rights in Tennessee
Tennessee condo associations have statutory lien rights for unpaid assessments under TCA §66-27-415. The lien is perfected by recording with the Shelby County Register of Deeds and takes priority over most subsequent encumbrances. Enforcement requires a judicial foreclosure action — Tennessee does not permit non-judicial HOA foreclosures. For planned community HOAs, lien rights derive from the recorded Declaration, not from statute, making the exact language of each community's governing documents critical.
Memphis/Shelby County HOA ordinances
All HOA declarations, amendments, and lien filings must be recorded with the Shelby County Register of Deeds. Memphis City Code and Shelby County zoning regulations interact with HOA architectural covenants — particularly for fence heights, accessory structures, and short-term rental use. Shelby County also enforces property maintenance standards that overlap with HOA community rules, sometimes creating dual compliance obligations for management companies. IgeraFincas maps your community's rules against local code requirements.
Tennessee Nonprofit Corporation Act & HOA boards
Most Memphis HOA boards are organized as Tennessee nonprofit corporations under TCA §48-51-101 et seq. This means board elections, meeting notices, quorum requirements, and director duties are governed by both the Nonprofit Corporation Act and the association's bylaws. Annual meetings must provide proper notice; board actions taken without a quorum are voidable. The Tennessee Nonprofit Corporation Act also governs member voting rights, which interact with HOA declaration provisions on special assessments and bylaw amendments.
Fair Housing Act & ADA — federal requirements for all Memphis HOAs
Federal law applies to all Memphis HOA communities regardless of state law. The Fair Housing Act (42 U.S.C. §§ 3601–3619) prohibits discriminatory enforcement of HOA rules and requires reasonable accommodations and modifications for residents with disabilities. The ADA applies to common areas in some multi-family developments. FNMA and Freddie Mac lending standards affect condo resale eligibility based on reserve fund adequacy, delinquency rates, and litigation status. IgeraFincas cross-references federal requirements with your TCA §66-27 obligations automatically.
The biggest pain points for Memphis HOA managers
No single Tennessee state HOA statute for planned communities
Unlike Florida or California, Tennessee has no comprehensive Planned Community Act for HOAs. Planned community associations in Memphis rely entirely on their recorded Declaration and common law, creating enormous variability between communities. Every homeowner question about fines, assessments, or architectural standards requires reading the specific Declaration — a process that consumes hours of management staff time per week. IgeraFincas RAG-indexes each community's documents so answers are instant and cited.
Delinquency management across a diverse Memphis portfolio
Memphis has a wide range of community types — from luxury East Memphis condo towers to large suburban HOAs in Bartlett and Germantown. Delinquency rates vary significantly and lien enforcement timelines differ between condo regimes (TCA §66-27-415) and planned communities (declaration-based liens). Management companies handling mixed portfolios spend excessive time determining the correct enforcement procedure for each community type. IgeraFincas identifies the community type and applies the correct process automatically.
After-hours homeowner inquiries with no 24/7 response capacity
Memphis homeowners expect the same instant-response experience from their HOA that they get from retail apps. Evening and weekend inquiries about rental policies, pet rules, parking enforcement, and maintenance responsibilities go unanswered until Monday — generating complaints and eroding trust. Management companies without 24/7 AI coverage risk losing communities to competitors. IgeraFincas handles routine inquiries around the clock, escalating only what genuinely needs a human decision.
How IgeraFincas works for Memphis management companies
Upload your community documents
Declarations, bylaws, rules and regulations, reserve studies, and Shelby County recorded amendments. Processed securely within 48 hours regardless of document age or format. Tennessee Horizontal Property Act TCA §66-27 is pre-loaded — you only upload community-specific documents.
Tennessee law applied automatically
IgeraFincas recognizes Memphis/Tennessee jurisdiction and applies TCA §66-27 condo law, the Tennessee Nonprofit Corporation Act, and federal Fair Housing Act requirements alongside your specific Declaration. Every answer cites the exact source — statute section or document clause — so homeowners can verify and managers can rely on it.
Homeowners get 24/7 cited answers
Via web widget or WhatsApp, Memphis homeowners get instant answers to questions about assessments, architectural approvals, pet rules, parking, and maintenance responsibility. Complex enforcement or legal questions are escalated to your team with full context — so staff never start from zero.
What Memphis HOA managers say
“We manage 34 communities across Shelby County — everything from small condo regimes on Poplar to large planned subdivisions in Collierville. Before IgeraFincas, my team spent Monday mornings just clearing the weekend backlog. Now homeowners get answers at 10pm on a Saturday and our staff handles only the decisions that actually need judgment. The Tennessee law citations are accurate and our board chairs have noticed.”
Darnell Washington
Principal, Mid-South Community Management — Memphis, TN
Simple, transparent pricing
All plans include Tennessee HOA law pre-loaded. Start free for 14 days.
Starter
$99
per month
- ✓Up to 10 communities
- ✓TCA §66-27 pre-loaded
- ✓Web widget
- ✓Up to 500 AI queries/month
- ✓Email support
Professional
$199
per month
- ✓Up to 40 communities
- ✓TCA §66-27 + federal law pre-loaded
- ✓Web widget + WhatsApp
- ✓Unlimited AI queries
- ✓Analytics dashboard
- ✓Priority support
Enterprise
$399
per month
- ✓Unlimited communities
- ✓All state + federal law pre-loaded
- ✓Web widget + WhatsApp + API
- ✓Custom branding
- ✓Multi-state portfolio support
- ✓Dedicated account manager
- ✓SLA guarantee
Frequently asked questions — Memphis HOA law
What does the Tennessee Horizontal Property Act (TCA §66-27) require for condo associations in Memphis?
The Tennessee Horizontal Property Act (TCA §66-27) governs condominium regimes in Tennessee, including Memphis. It establishes requirements for the declaration of horizontal property regime (§66-27-104), unit ownership and co-ownership of common elements (§66-27-113), and the rights and obligations of unit owners. Associations must maintain common elements and enforce the horizontal property regime declaration. IgeraFincas is pre-loaded with the full TCA §66-27 text and answers compliance questions with specific section citations.
How does TCA §66-27 define common elements and individual unit owner rights in Memphis condos?
Under TCA §66-27-113, each unit owner holds an undivided interest in the common elements proportional to their unit value as stated in the Declaration. Common elements include the land, foundations, structural components, and shared amenities. Unit owners cannot partition common elements (§66-27-114), and any modification to common elements requires approval under the Declaration. Memphis condo associations must maintain records of ownership percentages and ensure assessments are proportional to these interests.
What HOA rules apply in Shelby County beyond Tennessee state law?
Memphis and Shelby County HOA communities are subject to both TCA §66-27 (for condominiums) and Tennessee common-law deed restriction enforcement for planned communities. Shelby County maintains property records and lien filing requirements that HOAs must follow for assessment collection. Local zoning ordinances, Memphis City Code, and Shelby County subdivision regulations can also affect HOA enforcement of architectural standards and use restrictions. IgeraFincas cross-references state law with your specific governing documents to provide locally accurate answers.
Can a Memphis HOA foreclose on a home for unpaid assessments under Tennessee law?
Yes. Under TCA §66-27-415 and the Tennessee Nonprofit Corporation Act, condo associations have lien rights for unpaid assessments. The lien attaches upon recording with the Shelby County Register of Deeds and can be enforced through judicial foreclosure. For planned community HOAs in Memphis, the right to lien and foreclose typically derives from the Declaration of Covenants recorded with Shelby County. Tennessee requires judicial foreclosure — the association must file suit before proceeding. IgeraFincas explains the process and required notices specific to your community documents.
Does the federal Fair Housing Act apply to Memphis HOA communities?
Yes. The Fair Housing Act (42 U.S.C. §§ 3601–3619) applies to all HOA communities in Memphis regardless of size. HOAs cannot enforce rules or CC&Rs in a discriminatory manner based on race, color, national origin, religion, sex, familial status, or disability. Reasonable accommodation requests for disability-related modifications to common areas must be evaluated under the FHA, which supersedes any conflicting HOA rule. IgeraFincas is pre-loaded with FHA guidance and applies it alongside TCA §66-27 compliance answers for every Memphis community.
Start your free 14-day trial today
Join Memphis HOA management companies using IgeraFincas to handle homeowner inquiries 24/7 with full TCA §66-27 compliance. Operational in 48 hours.
- Free 14-day trial — no credit card required
- Tennessee Horizontal Property Act TCA §66-27 pre-loaded
- Works via web widget and WhatsApp — no app install required
- Shelby County and Memphis HOA ordinances included