AI HOA Assistant for Tennessee
Pre-loaded with the Tennessee Horizontal Property Act (TCA §66-27) and Tennessee Common Interest Communities Act — IgeraFincas gives Nashville, Memphis, and Knoxville HOA managers instant, citation-grade compliance answers. Free 14-day trial.
Community association management in Tennessee
7.1M
residents in the state of Tennessee
~6,500
HOA and condo associations statewide
780K
Tennessee homes governed by an HOA
$130–320
typical monthly HOA fee in Tennessee
Tennessee's rapid population growth — driven by Nashville's tech and healthcare boom, Memphis's logistics economy, and Knoxville's university expansion — has produced one of the fastest-growing HOA markets in the Southeast. Managing these communities requires deep familiarity with the Tennessee Horizontal Property Act and the Common Interest Communities Act. IgeraFincas delivers that knowledge on demand, to your team and homeowners alike.
Tennessee HOA law explained plainly
The two statutes every Tennessee HOA and condo manager must know — and what they require day-to-day
Tennessee Horizontal Property Act
Tennessee's primary condominium statute governs the creation and operation of condominium regimes statewide. TCA §66-27-101 establishes the declaration requirements; §66-27-115 defines unit owner rights in common elements; §66-27-415 grants the association a statutory assessment lien enforceable by judicial foreclosure. Any condominium association in Tennessee — whether in Nashville, Chattanooga, or Jackson — must structure its bylaws, budget, and enforcement procedures in compliance with this act.
Tennessee Common Interest Communities Act
This act broadens Tennessee's community association framework beyond condominiums to planned communities and mixed-use common interest developments. It establishes homeowner rights to inspect association financial records, notice requirements for rule changes, dispute resolution procedures before enforcement fines escalate, and lien priority rules that govern assessment collection relative to mortgage holders. Planned communities created after its effective date are generally subject to both this act and TCA §66-27 where applicable.
Assessment lien and collection rights (TCA §66-27-415)
Tennessee condominium associations hold a statutory priority lien on each unit for unpaid assessments under TCA §66-27-415. The lien arises automatically upon assessment and may be enforced through judicial foreclosure after proper notice. Key compliance points: the association must send written delinquency notice before initiating collection, and the unit owner has statutory redemption rights after any foreclosure sale. IgeraFincas walks managers through each procedural step.
Fair Housing Act & federal overlay in Tennessee
Regardless of which Tennessee statute applies, all HOA communities must comply with the Fair Housing Act (42 U.S.C. §§ 3601–3619). Tennessee associations cannot enforce CC&R provisions in ways that discriminate based on race, religion, national origin, disability, familial status, or sex. Reasonable accommodation requests for disability — such as reserved parking or service animal exceptions — must be granted unless they impose an undue hardship. IgeraFincas covers all FHA obligations applicable in Tennessee.
The real pain points of Tennessee HOA management
Three challenges specific to Tennessee's fast-growing community association market
Rapid new-construction HOA setup complexity
Nashville's construction boom has created hundreds of new HOAs each year with declarant-controlled boards transitioning to homeowner control. Managers fielding questions about voting thresholds, budget ratification, and reserve fund requirements under TCA §66-27 spend hours researching answers that IgeraFincas provides in seconds — citing the exact statute section.
Short-term rental disputes in tourist markets
Tennessee's Smoky Mountain communities, Nashville's downtown condos, and Memphis's entertainment district properties face constant short-term rental disputes. Unlike Arizona or California, Tennessee has no statewide statute limiting HOA rental bans — meaning each association's CC&R language is determinative. IgeraFincas reads the specific CC&Rs and explains exactly what is and is not permitted for each unit owner asking about Airbnb or VRBO listings.
Assessment delinquency in high-growth corridors
Tennessee's population influx has driven unit turnover and assessment delinquency in transitional neighborhoods. The judicial foreclosure process under TCA §66-27-415 is procedurally demanding — requiring precise notice timelines, cure periods, and court filings. Managers routinely field questions about where a delinquent unit owner stands in the process. IgeraFincas provides step-by-step guidance for each stage of Tennessee's statutory collection procedure.
How IgeraFincas works for Tennessee managers
Upload your governing documents
CC&Rs, bylaws, rules and regulations, reserve studies, and meeting minutes. Processed securely in under 48 hours. Tennessee state law (TCA §66-27 and the Common Interest Communities Act) is already pre-loaded — you only upload your community-specific documents.
Homeowners get instant answers
Via web widget or WhatsApp, 24/7. A Nashville condo owner asking about the assessment lien process at 9pm gets a precise answer citing TCA §66-27-415 and the relevant section of their association's bylaws — not a voicemail asking them to call back tomorrow.
Complex issues escalated to your team
Legal disputes, enforcement actions, and special assessment approvals are flagged and routed to your team with a full context summary. Staff arrive to escalated items informed and ready to act — not starting from scratch.
Customer testimonial
“We manage 34 communities across Nashville and Brentwood, and the TCA §66-27 questions never stop. IgeraFincas deflects about 75% of our homeowner calls automatically — and it cites the actual statute, so owners trust the answer. We went live in two days.”
Simple, transparent pricing
All plans include Tennessee HOA law (TCA §66-27 + Common Interest Communities Act) pre-loaded
Starter
$99/mo
Up to 15 communities
- TCA §66-27 pre-loaded
- Common Interest Communities Act
- Up to 5 documents per community
- Web widget
- Email support
Professional
$199/mo
Up to 50 communities
- Everything in Starter
- WhatsApp integration
- Unlimited documents
- Analytics dashboard
- Priority support
- Multi-state portfolio support
Enterprise
$399/mo
Unlimited communities
- Everything in Professional
- Custom branding
- API access
- Dedicated onboarding
- SLA guarantee
- Custom integrations
Frequently asked questions — Tennessee
What does the Tennessee Horizontal Property Act (TCA §66-27) govern for condo associations?
The Tennessee Horizontal Property Act (TCA §66-27-101 et seq.) governs the creation, organization, and operation of condominium regimes in Tennessee. It establishes the legal framework for the declaration of condominium, unit ownership rights, common element management, and the authority and duties of the condominium association. Associations must comply with its requirements for bylaws, annual meetings, and assessment collection. IgeraFincas is pre-loaded with the complete text of TCA §66-27 and can answer section-specific questions instantly.
How does the Tennessee Common Interest Communities Act affect HOA management?
The Tennessee Common Interest Communities Act supplements TCA §66-27 and provides a broader framework for planned communities and common interest associations beyond traditional condominiums. It addresses assessment lien priority, dispute resolution procedures, record-keeping obligations, and homeowner rights to inspect association financial records. Any HOA manager in Tennessee overseeing planned communities must understand how both statutes interact. IgeraFincas handles both statutes and tells you which applies to each community in your portfolio.
Can a Tennessee HOA foreclose on a unit for unpaid assessments under TCA §66-27?
Yes. Under TCA §66-27-415, a condominium association has a statutory priority lien on each unit for unpaid assessments. This lien may be enforced through judicial foreclosure after proper notice and cure periods have expired. The association must send written delinquency notice, allow a statutory cure period, and file with the appropriate Tennessee court. The unit owner retains redemption rights after any foreclosure sale. IgeraFincas walks managers through each procedural stage and explains the timeline to homeowners who ask.
What are the notice requirements for Tennessee HOA board meetings?
Tennessee condominium and HOA associations are required to provide advance notice of board and membership meetings as specified in the association's bylaws and in compliance with TCA §66-27. Typically this means at least 10 days written notice for annual meetings and specific posting or mail requirements for emergency meetings. Failure to provide proper notice can invalidate board actions taken at improperly noticed meetings. IgeraFincas can review your bylaws and tell homeowners exactly what notice was required for any specific meeting they ask about.
Does IgeraFincas cover both TCA §66-27 and the Tennessee Common Interest Communities Act?
Yes. IgeraFincas is pre-loaded with both the Tennessee Horizontal Property Act (TCA §66-27) and the Tennessee Common Interest Communities Act. Federal law including the Fair Housing Act (42 U.S.C. §§ 3601–3619) is also included, as it applies to all Tennessee HOA communities regardless of which state statute governs. Every answer cites the specific statute section relevant to the question — homeowners and managers can verify the source immediately.
Start your free 14-day trial
Operational in 48 hours. Tennessee HOA law pre-loaded from day one. No credit card required.
- Free 14-day trial — no credit card required
- TCA §66-27 and Common Interest Communities Act pre-loaded
- Works via web widget and WhatsApp — no app install needed
- Covers Nashville, Memphis, Knoxville, Chattanooga, and all of Tennessee