A Maryland court cannot raise an HOA's judgment after throwing out the homeowner's appeal
A Maryland court cannot raise an HOA's judgment after throwing out the homeowner's appeal
2026-09-12 · Maryland · Courts
What happened. A homeowner lost an assessment case to his community association in the District Court, appealed for a fresh trial in the circuit court, and did not turn up. The circuit court dismissed the appeal — and then entered a new money judgment larger than the one the District Court had given.
On 23 January 2026 the Supreme Court of Maryland granted certiorari and vacated that order. Dismissing the appeal terminated the circuit court's ability to go any further; the District Court's judgment stands as it was.1
The case is Ramez Ghazzaoui v. Russett Community Association, Inc., Petition No. 407, September Term 2025, from the Circuit Court for Anne Arundel County, in a per curiam order signed by Chief Justice Matthew J. Fader.
Why this reaches almost every Maryland association
Because of where assessment collection actually happens. Most Maryland condominium and HOA assessment claims are brought in the District Court, and a defendant's route of challenge is an appeal to the circuit court for a de novo trial — the whole case heard again. Appeals where the homeowner then fails to appear are routine.
What the circuit court did here is the natural-seeming thing: the appeal is dismissed under Maryland Rule 7-114(c)(4), the association is plainly owed money, and by now more has accrued, so enter judgment for the current figure.
That is what the Supreme Court held it may not do. The dismissal does not put the circuit court in the position of a trial court with a live case; it ends the appeal. The order of 15 October 2025 was vacated and the matter remanded with instructions to clarify that the appeal is dismissed with prejudice and that the District Court judgment stands.1
What the order does and does not establish
It confirms the circuit court's authority to dismiss a de novo appeal with prejudice when the appellant does not appear. Rule 7-114(c)(4) supplies that, and nothing in the order disturbs it.
What it forecloses is the second step. Two consequences follow for an association pursuing arrears:
The number is fixed at the District Court's figure. Interest and post-judgment costs run on that judgment under the ordinary rules, but the judgment itself does not get restated upward because the homeowner's appeal failed.
Additional arrears need a new case. Assessments accruing after the District Court judgment are a fresh claim requiring a fresh action. Folding them into a dismissal order is not available.
The distinction is worth noticing because it cuts against an association's practical interests in the short run and protects the integrity of the judgment in the long run: a homeowner who loses an appeal knows exactly what they owe, and it is the sum they were told at first instance.
A note on what this order is
It is a reported per curiam order of the Supreme Court of Maryland, appearing in the court's official 2026 index. Maryland Rule 1-104 counsels care with per curiam opinions, and a reader relying on it should read the order itself rather than a summary.
It is also, so far as an exhaustive search of the court's own reported and unreported indexes for 2025 and 2026 can establish, the only certiorari grant in a Maryland community-association case in either year — and it was granted and decided in the same order. No association case appears to be pending undecided before the Supreme Court of Maryland.1
We have not located a reported volume-and-page citation for it; the court's index carries it as a slip opinion. Cite the docket and the date.
The procedural cases that went with it
Maryland's 2025 and 2026 association decisions were, with two exceptions, about procedure rather than substance. Three unreported decisions round out the picture on what a Maryland court will and will not do in a covenant case. None is precedent under Rule 1-104, and each may be cited for persuasive value only where no reported authority addresses the point.
A court that rejects your claim must still declare your rights. In Kourmadas v. Brinkwood Community Association, Inc., No. 358, September Term 2025 (filed 29 April 2026), a homeowner sought to be excused from the restrictive covenants in his deed. The dismissal of his injunctive claim was affirmed — but the judgment was vacated in part and remanded with instructions to enter a declaratory judgment consistent with the opinion. A Maryland court asked to declare rights cannot simply dismiss; it has to say what the rights are.2
An association suing over common land has to prove it owns the land. Carey v. Kingsport Community Association, Inc., No. 420, September Term 2025 (filed 11 August 2026), affirmed the second round of a long driveway-easement dispute. Mid-trial the homeowners had shown the underlying land might be owned by community residents who were not parties, and the case was remanded for the court to determine ownership, the association's standing, and joinder of necessary parties before going further.3
“Ordinary mail” means ordinary mail. Thomas v. Patriot Square Homeowners' Association, Inc., No. 2189, September Term 2023 (filed 5 February 2025), enforced a recorded declaration against chickens kept in violation of it, holding the declaration's own term “ordinary mail” unambiguous. Notice provisions in Maryland governing documents are read by plain meaning, not by what a board has customarily done.4
And on the far end of enforcement, Vargas v. Franklin Farms Homeowners Association, Inc., No. 282, September Term 2024 (filed 22 April 2025), affirmed an order granting the association “appropriate relief” that authorised a sheriff's presence during the removal of a patio built in breach of covenants.5
What Maryland's appellate courts did not decide
A full-text search of every reported Maryland appellate opinion filed in 2025 and 2026, and of every unreported Appellate Court of Maryland opinion from January 2025 through September 2026, turns up no Maryland appellate decision in any of these categories:
- The Maryland Contract Lien Act, Real Property §§ 14-201 to 14-206 — no decision construing it. It appears only as a passing citation.
- Association records inspection under § 11-116 or § 11B-112 — nothing.
- Board fiduciary duty or business-judgment deference applied to an association board — nothing. The only 2025 business-judgment decision construed Corporations and Associations § 2-405.1(g) for an ordinary business corporation, and is not an association case.
- Construction defect or statute of repose claims by a council of unit owners — nothing.
- Association insurance coverage disputes — nothing.
- Developer transition or declarant control — nothing.
- Cooperative housing corporations — nothing.
Those are verified absences in the state appellate courts. They say nothing about the federal courts, where fair-housing and debt-collection claims against associations more commonly live, and which we have not searched.
What to watch next
The gap between where Maryland association law is made and where it is reported. Two reported Supreme Court decisions in July 2026 — on sheriff's sales and on anti-SLAPP remedies — plus one reported architectural-review decision in December 2025, against a dozen unreported opinions that cannot be cited as precedent. The recurring questions boards actually face, records access and fiduciary duty among them, are being resolved in circuit courts and county commissions that publish nothing.
That is the structural argument the failed HB 402 made for a state oversight division with published hearing-panel decisions, and it is the argument that will be made again in 2027. Pre-file drafting requests are due 20 November 2026.
Related Maryland HOA Topics
- Ramez Ghazzaoui v. Russett Community Association, Inc., Petition No. 407, September Term 2025, Supreme Court of Maryland — per curiam order filed 23 January 2026, signed by Chief Justice Matthew J. Fader; Circuit Court for Anne Arundel County No. C-02-CV-25-002097; Maryland Rule 7-114(c)(4); the 15 October 2025 order vacated ↩
- Kourmadas v. Brinkwood Community Association, Inc., No. 358, September Term 2025, Appellate Court of Maryland — UNREPORTED opinion by Arthur, J., filed 29 April 2026; Circuit Court for Montgomery County No. C-15-CV-24-004508; not precedent under Md. Rule 1-104 ↩
- Carey v. Kingsport Community Association, Inc., No. 420, September Term 2025, Appellate Court of Maryland — UNREPORTED opinion by Nazarian, J., filed 11 August 2026; Circuit Court for Anne Arundel County No. C-02-CV-18-003339; not precedent under Md. Rule 1-104 ↩
- Thomas v. Patriot Square Homeowners' Association, Inc., No. 2189, September Term 2023, Appellate Court of Maryland — UNREPORTED opinion by Harrell, J. (Senior Judge, Specially Assigned), filed 5 February 2025; Circuit Court for Talbot County No. C-20-CV-22-000075; not precedent under Md. Rule 1-104 ↩
- Vargas v. Franklin Farms Homeowners Association, Inc., No. 282, September Term 2024, Appellate Court of Maryland — UNREPORTED opinion by Sharer, J. (Senior Judge, Specially Assigned), filed 22 April 2025; Circuit Court for Prince George's County No. CAE21-10014; not precedent under Md. Rule 1-104 ↩
Stay on top of Maryland HOA law
Every week: new Maryland legislation, court rulings, and regulatory developments affecting condos, planned communities, and property managers. Free.
No spam. Unsubscribe anytime.