How to send a HOA delinquency notice in Minnesota

In Minnesota, a HOA delinquency notice may be delivered by certified mail with electronic return receipt, First-Class mail; certified mail is recommended (not required).

Last reviewed September 21, 2026 · Business research, not legal advice.

Requirement	Minnesota HOA delinquency notice
Delivery method	Certified mail with electronic return receipt, First-Class mail — Cortul also sends a First-Class copy.
Notice period	Set by the lease or governing documents
Deemed received	When it is mailed
If refused or unclaimed	Refused mail is treated as received; unclaimed mail gets a First-Class copy as the additional step courts look for.
Statutes	Minn. Stat. §515B.3-116 (secondary source)

Minnesota's rules for collecting assessments change on January 1, 2027 (2026 Minn. Laws ch. 82). From that day the association must send the owner three separate notices, at least one by certified mail, before the account goes to a lawyer or collection agency, and late fees and interest are capped. A notice mailed before January 1, 2027 may not count as one of the three. Check with a lawyer before relying on it for a referral made in 2027.

This notice follows the rules in force before January 1, 2027. If it isn't mailed before then, Cortul won't mail it; you can cancel it for a full refund and start it again under the new rules.

Part of this rule relies on secondary sources rather than the statute itself, and has not yet been confirmed by a lawyer.

Certified mail is recommended practice here, not a statutory requirement.

Step by step

Write the notice with every required element (the Minnesota template in Cortul already has them).
Verify the recipient's mailing address with USPS.
Send it by a method the law allows, and keep a mailed copy.
Keep the mailing and tracking records, and your own record of any service you did yourself.
Calendar the deadline from the mailing date.