Tennessee HOA laws & resources.

Laws impacting Tennessee associations.

Tennessee's homeowners' and condominium associations are governed by a scattered set of state statutes, alongside the federal laws that apply nationwide. HOPB hosts the full text of every one of these Tennessee statutes, each with a plain-language guide.

Three things are worth knowing about how Tennessee's HOA law works:

• Tennessee has no single, comprehensive HOA act. Condominiums are governed by the Tennessee Condominium Act of 2008 (for condominiums created on or after January 1, 2009) or the older Horizontal Property Act (for those created before). Non-condominium homeowners' associations, by contrast, have no comprehensive governance code — their day-to-day rules come mainly from their own recorded declaration (covenants, conditions, and restrictions and bylaws) together with the Tennessee Nonprofit Corporation Act (Title 48, Chapters 51–68), the corporate rulebook most incorporated associations are organized under.
• The state's HOA-specific protections are targeted, not a full code. Rather than a general HOA act, Tennessee gives homeowners a handful of specific statutory protections collected in Chapter 27, Parts 6–10: the right to display the American and military flags and certain safety-warning signs; limits on an association's power to restrict long-term rentals and to levy special assessments for nonessential amenities; a gated-subdivision crime-report right; a fidelity-bond requirement for associations that collect assessments (effective January 1, 2027); and the right to install an electric-vehicle charging station (effective July 1, 2026).
• Fair housing voids discriminatory covenants — and enforcement changed in 2025. The Tennessee Human Rights Act prohibits housing discrimination and makes any restrictive covenant that limits occupancy on the basis of race, color, creed, religion, sex, or national origin void — a community cannot enforce it. The former Tennessee Human Rights Commission was dissolved on June 30, 2025; its functions transferred to the civil rights enforcement division in the Office of the Tennessee Attorney General and Reporter.

HOA contact information and documents.

• The Tennessee Homeowners' Association Directory — visit HOPB's HOA Directory and select Tennessee to reach the state's official corporate registry (the Tennessee Secretary of State's business search), where you can search under the community's name or subdivision to find an association's registered agent, officers, and corporate documents, such as its charter.

• Association records and inspection — members generally have a right to examine the association's records. For condominiums, the Condominium Act of 2008 requires the association to keep records available to unit owners (§ 66-27-417), and the older Horizontal Property Act requires the administrator's books to be open to co-owners (§ 66-27-113). For any incorporated association, the Nonprofit Corporation Act gives members a statutory right to inspect and copy corporate records (§§ 48-66-101 through 48-66-103).

• Recorded documents — an association's declaration (covenants, conditions, and restrictions), bylaws, plats, and amendments are recorded with the register of deeds in the county where the community is located. To bind the property, these instruments must be recorded in the county land records.