A $1,200 pier bill became a foreclosure judgment on a Wisconsin condo
A $1,200 pier bill became a foreclosure judgment on a Wisconsin condo
2026-09-21 · Wisconsin · Courts
A Dodge County condominium owner thought his board had bypassed the budget process and skipped a required owner vote before assessing $1,200 a unit to replace a pier. He withheld the money while he fought about it. He now has a money judgment and a foreclosure judgment against his unit.
Brittany Bay Club Condominium Owners Association, Inc. v. Traugott, Appeal No. 2025AP100, was decided February 27, 2026 by District IV of the Wisconsin Court of Appeals, per curiam, and affirmed summary judgment for the association.1 It is not recommended for publication, so it is not precedent — but it applies a Wisconsin statute that is, and it applies it to the single most common self-help decision an owner makes.
The statute
Wisconsin's Condominium Ownership Act says this, at Wis. Stat. § 703.165(2):2
“A unit owner shall be liable for all assessments, or installments thereof, coming due while owning a unit, including any assessments coming due during the pendency of any claim by the unit owner against the association or during any period in which the unit is not occupied by the unit owner or is leased or rented to any other person… Liability for assessments may not be avoided by waiver of the use or enjoyment of any common element or by abandonment.”
The clause “during the pendency of any claim by the unit owner against the association” is the whole case.
How the court read it
¶14 sets out the machinery: an association adopts an annual budget and may levy regular and special assessments for common expenses under §§ 703.15(3)(a), 703.161(2) and 703.165; where an owner does not pay, the association may obtain a money judgment under § 703.25(3) and ultimately a lien on the unit, “allowing the association to foreclose pursuant to the process in § 703.165.”
Then ¶16, rejecting the owner's argument directly:
“As noted, unit owners are ‘liable’ by statute ‘for all assessments’ that come due when they own a unit, ‘including any assessments coming due during the pendency of any claim by the unit owner.’… Traugott does not cite any law that would support an argument that the Association forfeited the right to collect the assessment based on the process it used, nor does he cite any law that would allow him to withhold payment of the assessment while any process-based claims against the Association are resolved.”
The striking part: the owner may have been right and still lost
This is what separates Traugott from an ordinary collections affirmance. The court did not hold the board acted properly. On the central question — whether the declaration required a two-thirds owner vote — it held the opposite of a clean win for the association.
Declaration § 6.08(j), quoted in full at ¶30, limited the board's power over “capital additions and improvements… having a total cost in excess of ten thousand dollars ($10,000)” and required “the prior approval of the Voting Members holding two-thirds (2/3) of the total votes.” At ¶32 the court found that provision genuinely unclear:
“Here, the text of the voting provision is not a model of clarity, and both parties can find support for their positions in its language… Therefore, the text appears to be reasonably susceptible to multiple meanings, and the parties do not provide any evidence that would allow that ambiguity to be resolved on summary judgment.”
And then ¶34: “But even if we make these assumptions in Traugott's favor, we conclude that Traugott has not presented a material dispute as to his liability for the assessment… even if Traugott had reason to dispute the Association's authority to impose the pier assessment based on § 6.08(j), he has not shown that he was permitted to withhold the assessment while he challenged its validity.”
An owner with a viable objection to a board's authority who expresses it by not paying loses on liability before the objection is ever reached. The statute converts a merits dispute into a payment dispute.
Three subsidiary rulings that will be cited more than the headline one
A special assessment left out of the annual budget is still collectible. The owner argued the pier was an “anticipated common expense” that belonged in the annual budget under § 703.161(2). ¶20 disagreed on the facts — the association “was still in the midst of planning and had not nailed down critical details” — and ¶22 added that even a budgeting failure would not defeat liability: “Traugott points to no language—statutory or otherwise—that provides that a condominium association is prohibited from collecting assessments unless done through the annual budget process.”
Bylaws can authorise assessments outside the budget. ¶23 notes the bylaws control “[t]he manner of assessing against and collecting from unit owners their respective shares of the common expenses” under § 703.10(2)(e), and that Brittany Bay's bylaws “explicitly authorize the Board to collect assessments outside of the annual budget process.”
Meeting notice did not have to say a vote would be taken. Bylaw § 3.03 limited business at a special meeting to “the objects stated in the notice.” The agenda said pier construction; that sufficed. ¶28: “Traugott does not point to any language in the statutes, bylaws, or declaration that provides that more was required, or that the Association's ability to impose an assessment turns on it providing explicit notice that a vote will be taken.” An association whose bylaws do require vote notice gets a different answer.
The route the statute does leave open
Footnote 6 of the opinion points to it: Wis. Stat. § 703.245 “provides a process for unit owners to bring claims against condominium associations.” Read with § 703.165(2), the design is a sequence rather than a choice — the assessment comes due on its own schedule, and the claim proceeds on its own, with the statute expressly contemplating that both run at once.
The remedy at the other end is not theoretical. This was $1,200 for a pier, and it produced a lien and a foreclosure judgment against a residence. Our Wisconsin collections and liens and foreclosure pages cover how far that process runs.
What to watch next
Because Traugott is per curiam, Wis. Stat. Rule 809.23(3) bars citing it as precedent or persuasive authority — a limit the Court of Appeals enforced against a litigant in another association case this window. So the citable authority remains the statute itself. What is worth watching is whether any Wisconsin appellate court addresses the § 6.08(j)-style question Traugott expressly left open: whether a dollar-capped “capital additions and improvements” clause reaches a replacement project. A separate Wisconsin decision two months earlier answered a close version of that question in a board's favour, and no published opinion yet reconciles them.
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