HOAs & Condos in Boulder, CO

380 registered communities in Boulder across Boulder County. Mix: 195 condominium, 115 homeowners association, 45 unclassified entity, 22 townhome association, 3 property owners association. Median monthly HOA/condo fee in the county is $354.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Boulder, CO is governed by C.R.S. §38-33.3-316 (Colorado Common Interest Ownership Act). Colorado law requires 12 specific disclosures when a unit is sold. The certificate must be delivered within 14 days of request.
  • Statement of unpaid assessments currently levied against the unit C.R.S. §38-33.3-316(8)
    The association shall furnish to a unit owner or such unit owner's designee or to a holder of a security interest or its designee upon written request, delivered personally or by certified mail, first-class postage prepaid, return receipt, to the association's registered agent, a written statement setting forth the amount of unpaid assessments currently levied against such owner's unit. The statement shall be furnished within fourteen calendar days after receipt of the request and is binding on the association, the executive board, and every unit owner. If no statement is furnished to the unit owner or holder of a security interest or his or her designee, delivered personally or by certified mail, first-class postage prepaid, return receipt requested, to the inquiring party, then the association shall have no right to assert a lien upon the unit for unpaid assessments which were due as of the date of the request. C.R.S. §38-33.3-316(8) · verified Oct 2026
  • Fiscal year commencement date C.R.S. §38-33.3-209.4(2)(a)
    The date on which its fiscal year commences; C.R.S. §38-33.3-209.4(2)(a) · verified Oct 2026
  • Current operating budget C.R.S. §38-33.3-209.4(2)(b)
    Its operating budget for the current fiscal year; C.R.S. §38-33.3-209.4(2)(b) · verified Oct 2026
  • Current assessments by unit type, including regular and special assessments C.R.S. §38-33.3-209.4(2)(c)
    A list, by unit type, of the association's current assessments, including both regular and special assessments; C.R.S. §38-33.3-209.4(2)(c) · verified Oct 2026
  • Annual financial statements with reserve amounts for preceding fiscal year C.R.S. §38-33.3-209.4(2)(d)
    Its annual financial statements, including any amounts held in reserve for the fiscal year immediately preceding the current annual disclosure; C.R.S. §38-33.3-209.4(2)(d) · verified Oct 2026
  • Most recent financial audit or review results C.R.S. §38-33.3-209.4(2)(e)
    The results of its most recent available financial audit or review; C.R.S. §38-33.3-209.4(2)(e) · verified Oct 2026
  • Insurance policies: company names, limits, deductibles, additional named insureds, expiration dates C.R.S. §38-33.3-209.4(2)(f)
    A list of all association insurance policies, including, but not limited to, property, general liability, association director and officer professional liability, and fidelity policies. Such list shall include the company names, policy limits, policy deductibles, additional named insureds, and expiration dates of the policies listed. C.R.S. §38-33.3-209.4(2)(f) · verified Oct 2026
  • Bylaws, articles of incorporation, rules and regulations C.R.S. §38-33.3-209.4(2)(g)
    All the association's bylaws, articles, and rules and regulations; C.R.S. §38-33.3-209.4(2)(g) · verified Oct 2026
  • Minutes of executive board and member meetings for the preceding fiscal year C.R.S. §38-33.3-209.4(2)(h)
    The minutes of the executive board and member meetings for the fiscal year immediately preceding the current annual disclosure; C.R.S. §38-33.3-209.4(2)(h) · verified Oct 2026
  • Responsible governance policies adopted per §209.5 C.R.S. §38-33.3-209.4(2)(i)
    The association's responsible governance policies adopted under section 38-33.3-209.5; and C.R.S. §38-33.3-209.4(2)(i) · verified Oct 2026
  • Fee schedule: transfer fees, record change fees, and status letter charges C.R.S. §38-33.3-317(1)(h.5)
    A list of the current amounts of all unique and extraordinary fees, assessments, and expenses that are chargeable by the association in connection with the purchase or sale of a unit and are not paid for through assessments, including transfer fees, record change fees, and the charge for a status letter or statement of assessments due; C.R.S. §38-33.3-317(1)(h.5) · verified Oct 2026
  • Reserve study policy (when prepared, funding plan, physical/financial analysis basis) C.R.S. §38-33.3-209.5(1)(b)(IX)
    When the association has a reserve study prepared for the portions of the community maintained, repaired, replaced, and improved by the association; whether there is a funding plan for any work recommended by the reserve study and, if so, the projected sources of funding for the work; and whether the reserve study is based on a physical analysis and financial analysis. For the purposes of this subparagraph (IX), an internally conducted reserve study shall be sufficient. C.R.S. §38-33.3-209.5(1)(b)(IX) · verified Oct 2026
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate. Colorado does not cap RC preparation fees by statute. With CommunityPay, the board issues the certificate directly from live ledger data — eliminating the third-party fee entirely. Residents typically save $250–$400 per closing.
330,652
County Population
Relatively Moderate
FEMA Risk Rating
$354
Median Monthly HOA Fee
$271 – $428
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 9,094 units.
Lightning
Very High
$5,857,806/yr expected loss
Hail
Relatively High
$10,314,872/yr expected loss
Wildfire
Relatively High
$15,700,843/yr expected loss
Winter Weather
Relatively High
$1,136,288/yr expected loss
Tornado
Relatively High
$12,394,878/yr expected loss
Source: FEMA National Risk Index. Expected Annual Loss represents the modeled annualized cost of building damage and direct losses across the county, not a per-property figure.
98 And 3/4 Percent, LLC Verified
23 community engagements · manages 25 associations nationally
Dcm HOA LLC Verified
21 community engagements · manages 22 associations nationally
Redstone Property Management Verified
15 community engagements · manages 15 associations nationally
Hometowne Management, Inc. Verified
11 community engagements · manages 11 associations nationally
Boom Properties Verified
9 community engagements · manages 9 associations nationally
Primaone Management Services, Inc. Verified
7 community engagements · manages 7 associations nationally
Gibbons-white, Inc. Verified
6 community engagements · manages 7 associations nationally
Community Financials, Inc. Verified
1 community engagement · manages 16 associations nationally
True North Management Company, LLC Verified
1 community engagement · manages 10 associations nationally
Faith Pro LLC Verified
1 community engagement · manages 128 associations nationally
"Verified" indicates a confirmed engagement with a community in Boulder. HQ-only entries are companies headquartered in Boulder with potential service area overlap.
380 Boulder communities operate under Colorado law. The primary governing statute is C.R.S. §38-33.3-101 — Short title. The short-title section for Article 33.3, establishing the Colorado Common Interest Ownership Act (CCIOA). CCIOA is the unified statute governing every common interest community in Colorado — HOAs, condominium associations, planned communities, and cooperatives — created on or after July 1, 1992. Certain provisions also apply retroactively to pre-1992 communities under §38-33.3-117. CCIOA is based on the Uniform Common Interest Ownership Act (UCIOA) promulgated by the Uniform Law Commission; Colorado did not adopt UCIOA Article 4 (purchaser protections) or Article 5 (administration and registration).
Name Type Formed
1002 WALNUT ASSOCIATION OF CONDOMINIUM OWNERS, INC. Condominium 1979
12TH & BASELINE CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 2004
1313 ALPINE CONDOMINIUM ASSOCIATION Condominium 1988
1400 FOLSOM CONDOMINIUM ASSOCIATION Condominium 2003
1401 Cannon Owners Association, Inc. Unclassified Entity 2006
14th Street Condominiums Homeowners Association Condominium 2004
15 Pearl Condominium Association, Inc. Condominium 2008
15TH AND SPRUCE CONDOMINIUM ASSOCIATION, INC. Condominium 2004
1634 7th Street Condominiums Owners Association, Inc. Condominium 2008
1727 Fifteenth Street Condominium Owners' Association Condominium 2008
1800 COMMERCE CONDOMINIUMS OWNERS ASSOCIATION Condominium 2007
1802 Canyon Owners Association Unclassified Entity 2009
1834 GROVE CONDOMINIUM ASSOCIATION, INC. Condominium 1984
2021 & 2023 Walnut Homeowners Association, Inc. Homeowners Association 2016
2041-2043 Walnut Condominium Association, Inc. Condominium 2013
2116-2128 Pearl Homeowners' Association, Inc. Homeowners Association 2019
2@20th Homeowners Association, Inc. Homeowners Association 2018
22ND AND SPRUCE STREET CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 2003
2315 Bluff Street Owners Association Unclassified Entity 2016
2330 14th Street Owners Association, Inc. Unclassified Entity 2017
2701 Mapleton Condominiums, Inc. Condominium 2008
3445 CONDOMINIUM ASSOCIATION, INC. Condominium 2002
358 Arapahoe Owners Association, Inc. Unclassified Entity 2025
400 Emery Street Condominiums Condominium 2006
4820 Riverbend Condominium Association Condominium 2013
4th Street Lofts Condominium Association, Inc. Condominium 2008
500 MANHATTAN CONDOMINIUM ASSOCIATION Condominium 1989
500 Pearl Street Condominiums Association Condominium 2008
5165 Santa Clara Place Homeowners' Association Homeowners Association 2005
5305 Spine Road Commercial Condominium Association, Inc. Condominium 2007
570s Union Condominium Owners Association, Inc. Condominium 2005
616 Marine Condominium Association Condominium 2021
6395 GUNPARK DRIVE CONDOMINIUM ASSOCIATION, INC. Condominium 2003
6658 GUNPARK DRIVE CONDOMINIUM ASSOCIATION, INC. Condominium 2003
700 Pearl Condominium Association, Inc. Condominium 2005
701 Pearl Homeowners Association Homeowners Association 2006
880 ALPINE CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 2004
895 ROXWOOD LANE CONDOMINIUMS ASSOCIATION, INC. Condominium 2003
ALPINE PLACE CONDOMINIUM ASSOCIATION, INC. Condominium 1990
Anderson Medical Center Condominium Association Condominium 2013
Apache Court Condominiums Homeowners' Association, Inc. Condominium 2015
APPLERIDGE PARK HOMEOWNERS' ASSOCIATION Homeowners Association 1969
ARAPAHOE CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1987
Arapahoe West Condominium Association, Inc Condominium 2009
ARBOR SQUARE TOWNHOUSE CORPORATION Townhome Association 2003
ARTHUR CONDOMINIUMS OWNERS ASSOCIATION, INC. Condominium 2008
ASPEN PINE ESTATES OWNERS ASSOCIATION Unclassified Entity 1997
ASPEN TREE HOMEOWNERS ASSOCIATION Homeowners Association 1994
BALSAM CONDOS HOMEOWNERS ASSOCIATION, INC. Condominium 1997
BASELINE TOWERS CONDOMINIUM ASSOCIATION Condominium 1978
Beacon Court Homeowners Association Homeowners Association 2019
Blue Pearl Homeowners Association Inc. Homeowners Association 2023
BOULDER HEALTH PROFESSIONS CONDOMINIUMS ASSOCIATION Condominium 1979
Brandon Creek Homeowners and Recreational Association, Inc. Homeowners Association 1985
BRIARWOOD HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1979
Broadway and Juniper Condominium Association Condominium 2018
Broadway Condominium Association, Inc. Condominium 2014
BRYNWYCK CONDOMINIUM ASSOCIATION Condominium 1977
Burlington Medical Center Condominium Association Condominium 2004
BURNING TREE EAST CONDOMINIUM ASSOCIATION Condominium 1984
BURNING TREE PROPERTY OWNERS ASSOCIATION Property Owners Association 1984
Cannon Trail Homeowners Association, Inc. Homeowners Association 2019
CANYON CONDOMINIUM ASSOCIATION Condominium 2000
Canyon Creek Filing No. 5 Tract B Homeowners Association, Inc. Homeowners Association 2018
CANYON SQUARE CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1979
CARRIAGE HILLS HOMEOWNERS ASSOCIATION Homeowners Association 1986
CARRIE SUBDIVISION OWNERS ASSOCIATION, INC. Unclassified Entity 2002
CASCADE CONDOMINIUM ASSOCIATION, INC. Condominium 1983
CEDAR CREEK CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1982
CEDAR CREST HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
CENTENNIAL MEADOWS HOMEOWNERS' ASSOCIATION Homeowners Association 1989
CENTENNIAL TRAILS HOMEOWNERS ASSOCIATION Homeowners Association 1991
CENTENNIAL VALLEY PARCEL H PROPERTY OWNERS ASSOCIATION Property Owners Association 1995
CENTURY COMMONS OWNERS ASSOCIATION, INC. Unclassified Entity 1999
Chamberlain Place Condominium Association, Inc. Condominium 2006
Chateau Montagne Condominiums Owners Association, Inc. Condominium 2006
CHATEAU VILLAGE WEST CONDOMINIUM HOMEOWNERS' ASSOC Condominium 1983
CHATEAU VILLAGE WEST CONDOMINIUMS ASSOCIATION Condominium 1982
CHAUNCEY STOKES CONDOMINIUM ASSOCIATION Condominium 1992
CH Executive Office Condominium Owners Association, Inc. Condominium 2020
CHICKEN HILL ROAD & HOMEOWNERS ASSOCIATION Homeowners Association 1984
CHIPETA POINTE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
CICLO Owners Association Unclassified Entity 2020
CLAY COMMONS COURT TOWNHOMES CONDOMINIUM ASSOCIATION Condominium 1998
Cloverleaf Industrial Park Condominium Association, Inc. Condominium 2025
COAL CREEK TOWNHOUSE HOMEOWNERS' ASSOCIATION Townhome Association 1978
Coburn Square Condominium Association Condominium 2012
COLLEGE TOWNHOUSE CONDOMINIUM ASSOCIATION Condominium 1985
CORRIENTE TOWNHOME ASSOCIATION Townhome Association 1978
COTTAGES AT WONDERLAND LAKE HOMEOWNERS ASSOCIATION Homeowners Association 1983
COTTONWOOD CREEK CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1980
Country Club Park Condominium Association Condominium 2013
COURTSIDE SINGLE FAMILY HOMEOWNERS ASSOCIATION Homeowners Association 1980
Cox Corner Condominiums Owners Association, Inc. Condominium 2005
Creekside at Green Gables Owners Association, Inc. Unclassified Entity 2008
Crescent Condominium Association, Inc. Condominium 2005
CRESCENT LAKES ESTATES AMENDED HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1991
Crown Court Condominium Owners Association, Inc. Condominium 2006
Dakota Ridge Flats Condominium Association, Inc. Condominium 2018
DARLEY PROFESSIONAL CONDOMINIUM ASSOCIATION Condominium 1993
Depot Square Owners Association, Inc. Unclassified Entity 2013
Devil's Thumb Homeowners' Association Homeowners Association 1967
DIAGONAL PROFESSIONAL OFFICES OWNERS ASSOCIATION, INC. Unclassified Entity 1985
Diamond Condominiums Association, Inc. Condominium 2011
Double LL Condominiums Condominium 2020
Dwell22 Homeowners Association, Inc. Homeowners Association 2014
East Pearl Street Townhomes Association Townhome Association 2016
Echelon Townhome Owners' Association, Inc. Townhome Association 2026
EDEN EAST CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 1981
ERTL Farm South Homeowners Association, Inc. Homeowners Association 2006
Flatirons Vista Office Condominium Association Condominium 2006
FOOTHILLS MEDICAL BUILDING CONDOMINIUM ASSOCIATION Condominium 2003
Foothills Ranch Homeowners Association, Inc. Homeowners Association 2020
FRASER RIVER SOLAR TOWNHOUSES I ASSOCIATION Townhome Association 2010
FRUEHAUF PLAZA OWNERS ASSOCIATION INC Unclassified Entity 1993
GARDEN CROSSING HOMEOWNERS ASSOCIATION Homeowners Association 2003
Gatepost Condominiums Condominium 2018
GEORGIAN SQUARE CONDOMINIUM ASSOCIATION Condominium 1991
Golden West Owners Association, Inc. Unclassified Entity 2018
Golden West Towers Condominium Association, Inc. Condominium 2020
GOSP Homeowner's Association, Inc Unclassified Entity 2005
Goss Grove Homeowners Association, Inc. Homeowners Association 2018
GRAPE CLUSTER HOMEOWNERS' ASSOCIATION Homeowners Association 1981
GREENWOOD COMMONS CONDOMINIUM CORPORATION Condominium 1992
GREENWOOD COMMONS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1981
GUNBARREL GREEN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1985
GUNBARREL RIDGE HOMEOWNERS' ASSOCIATION Homeowners Association 1983
Gunbarrel Tech Center Condominium Owners Association, Inc. Condominium 2016
HAPGOOD CONDOMINIUM ASSOCIATION, INC. Condominium 1977
Harmony Haven Condominium Association, Inc. Condominium 2008
HAWTHORNE HOLLOW HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1984
Hawthorne Village Homeowners Association Homeowners Association 2009
HERITAGE MEADOWS CONDOMINIUM ASSOCIATION Condominium 1979
Heritage Meadows Homeowners Association, Inc. Homeowners Association 2006
HILLTOP PARK CONDOMINIUMS HOMEOWNERS' ASSOCIATION Condominium 1986
Hilltop Townhomes Owner's Association, Inc. Townhome Association 2003
Holland Place Homeowners Association Homeowners Association 2020
Homes at Paseo del Prado Homeowners Association, Inc. Homeowners Association 2018
HOMESTEAD HOMEOWNERS, INC. Homeowners Association 1993
HUNTER'S RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1984
HUNTINGTON POINT CONDOMINIUM ASSOCIATION, INC. Condominium 1984
INDIAN PEAKS FILING NO. 14 HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
KALMIA ESTATES DUPLEX CONDOMINIUM ASSOCIATION Condominium 2013
Kalmia Estates Four-Plex Condominium Association Condominium 2013
KALMIA MEADOWS HOMEOWNERS ASSOCIATION Homeowners Association 1988
Keewaydin Cottages Owners Association, Inc. Unclassified Entity 2004
KINGS RIDGE CONDOMINIUM OWNERS' ASSOCIATION Condominium 1992
King's Ridge Condominiums Homeowners Association, Inc. Condominium 2020
LABELLE LAND AND HOMEOWNERS ASSOCIATION Homeowners Association 1998
LAFAYETTE FARMS EAST PROPERTY OWNERS' ASSOCIATION Property Owners Association 2002
Lakeside Estates Townhomes Association Townhome Association 2017
Landmark Lofts Homeowners Association, Inc. Homeowners Association 2008
LaVista Business Park Condominium Association Condominium 2006
LINDEN AVENUE CONDOMINIUM ASSOCIATION Condominium 2001
LINDEN PARK TWO HOMEOWNER'S ASSOCIATION Unclassified Entity 1999
LOOKOUT RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1990
MANHATTAN WEST CONDOMINIUM ASSOCIATION Condominium 1980
MAXWELL CREEK CONDOMINIUM ASSOCIATION, INC. Condominium 1978
MAXWELL HILL CONDOMINIUM ASSOCIATION, INC. Condominium 1981
MAXWELL/PORTLAND CONDOMINIUM ASSOCIATION, INC. Condominium 2001
Maxwell West Condominium Owners' Association Condominium 2005
MEADOW TRAIL HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 2003
Mid-Town Pearl Homeowners Association, Inc. Homeowners Association 2006
MINER'S CAMP HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
Nickel Flats Owners Association, Inc. Unclassified Entity 2014
Ninth and Canyon Hotel and Parking Condominium Association Condominium 2006
NORTH BRIAR ESTATES OWNERS ASSOCIATION, INC. Unclassified Entity 1998
NORTHERN LIGHT CONDOMINIUMS, INC. Condominium 2009
Northfield Village Habitat Homeowners Association, Inc. Homeowners Association 2010
NORTH POINT CONDOMINIUMS HOMEOWNERS' ASSOCIATION,INC. Condominium 1994
North Star Homeowners Association Homeowners Association 2021
OLDE PINE CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1980
OLDE VICTORIAN CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1979
OMEGA CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1984
One Penn Place Owners Association, Inc. Unclassified Entity 2009
Onyx Owners Association, Inc. Unclassified Entity 2009
Orchard Grove Homeowners Association Homeowners Association 2015
Own It Storage Condominium Association, Inc. Condominium 2007
Own It Storage North Condominium Association Inc. Condominium 2018
Oxford Condominium Homeowners Association Condominium 2006
Palo Park Condominium Homeowners Association, Inc. Condominium 2020
PALO PARK FILING NO. 3 SINGLE FAMILY HOMEOWNERS ASSOCIATION Homeowners Association 2001
PALO PARK FILING NO. 4 - REPLAT B HOMEOWNERS' ASSOCIATION Homeowners Association 1995
PALO PARK FILING NO. 5 HOMEOWNERS ASSOCIATION Homeowners Association 1979
PALO PARK TOWNHOUSE CORP. Townhome Association 1973
Parkes at Stonebridge Townhome Owners Association, Inc. Townhome Association 2018
PARK LAKE HOMEOWNERS ASSOCIATION Homeowners Association 1975
PARKSIDE HOMEOWNERS' ASSOCIATION Homeowners Association 1971
PARKSIDE SECOND FILING HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1996
PAVILION HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
PEARL STREET COMPOUND CONDOMINIUM ASSOCIATION Condominium 1999
Pearl Street Cove Condominium Association, Inc. Condominium 2005
PEARL STREET ONE CONDOMINIUM ASSOCIATION, INC. Condominium 2002
PEARL STREET TOWNHOUSES HOMEOWNERS' ASSOCIATION Townhome Association 1979
PENDLETON SQUARE CONDOMINIUM ASSOCIATION, INC. Condominium 1983
PERKINS PLACE HOMEOWNERS ASSOCIATION Homeowners Association 2003
PINE STREET COTTAGE CONDOMINIUM Condominium 1995
Ponderosa Community Condominium Association, Inc. Condominium 2024
Ponderosa Mobile Home Owners Association Homeowners Association 2020
POPLAR HOMEOWNERS ASSOCIATION Homeowners Association 1996
Institutional Reference

Reserve study standards in Colorado

Statutory requirements, board preparation checklist, the components a professional study covers, and the useful-life ranges that drive thirty-year funding plans. Generic reference. Not a substitute for a study calibrated to a specific association.

Colorado does not currently encode a fixed reserve-study cadence in statute. The discipline still applies. Industry standard across the United States is below.

  • Update the component register annually as assets are added, replaced, or retired.
  • Commission a professional reserve study every three to five years. Update it when the component register changes materially.
  • Maintain a thirty-year capital plan with explicit annual funding contributions tied to the study.
  • Keep reserve funds segregated from operating cash. Disclose funding status in the annual budget.
  • Document the board-approved funding policy — percent-funded, threshold, or baseline — in board minutes.

CommunityPay maintains a Reserve Funding Status Report (RSR) generator tied to the live ledger. It is a status report, not a substitute for a professional study with on-site inspection.

What a board should have organized before commissioning a reserve study, and what a study delivers back. Use this list to evaluate whether the association is ready, regardless of state.

  1. Component register Every asset the association is responsible for maintaining — roofs, asphalt, mechanical systems, plumbing risers, elevators, amenities. Freeze a current version before the study.
  2. Condition assessments Last inspection reports, photographs, observed wear, recent repairs. The analyst calibrates useful-life estimates against this evidence.
  3. Useful-life and replacement-cost estimates Per component, calibrated to local climate, construction, and use intensity. A study produces these; the board verifies them.
  4. Thirty-year capital plan When each component reaches end-of-life and what replacement will cost in nominal dollars at that year.
  5. Funding plan Percent-funded, threshold, or baseline approach with an explicit annual contribution. The board approves; the study models outcomes.
  6. Current reserve fund balance Separated from operating cash. Ideally in interest-bearing accounts with FDIC coverage on the full balance.
  7. Annual budget tied to the funding plan Reserve contribution as an explicit budget line, traceable to the study and the funding policy.
  8. Most recent reserve study Full study, update, or interim review. Author credentials and date of the most recent on-site inspection.
  9. Insurance schedule Replacement-cost coverage on insured components. Deductibles that may draw against reserves in a loss.
  10. Board minutes referencing reserve decisions Special assessments, deferred maintenance, funding-policy changes, scope deviations from the study.

Categories most reserve studies cover. The specific components depend on the association. High-rise condos track far more than single-family HOAs. Gated communities track infrastructure that condos never see.

Roofing & Exterior

Asphalt shingle, metal, tile, or flat membrane roofs. Siding (wood, fiber cement, stucco, vinyl). Exterior paint. Soffits and fascia. Gutters and downspouts. Decks and balconies. Railings. Window and door frames in common areas.

Mechanical

HVAC chillers and cooling towers. Boilers and water heaters. Ventilation. Pumps. Fire suppression and sprinkler systems. Emergency generators. Elevators — cabs, controllers, jacks, and modernizations.

Site Work

Parking lots: seal coat, overlay, full reconstruction. Concrete sidewalks and curbs. Site lighting. Storm drainage. Retaining walls. Fencing. Entry gates and signage.

Plumbing & Electrical

Main water lines and risers. Sanitary and storm sewer lines. Backflow preventers. Common-area electrical panels and switchgear. Transformer pads. Distribution.

Amenities

Pools, spas, and pool equipment. Clubhouse interiors. Fitness rooms. Playgrounds. Tennis and pickleball courts. Mailbox kiosks. Trash enclosures and dumpster pads.

Safety & Code

Fire alarm panels. Emergency lighting. Smoke detectors in common areas. Fire-rated doors. Structural fireproofing. Sprinkler heads and inspection-required components.

A mid-size HOA typically tracks thirty to eighty components. A high-rise condo tracks two hundred or more. The categories above are illustrative. A professional reserve study identifies the components a specific association is responsible for.

Typical useful-life ranges for components common in reserve studies. Industry averages, not specific to any state, climate, or association. A professional study calibrates these to local conditions, construction quality, maintenance practice, and use intensity.

Component Typical useful life
Asphalt shingle roof20–25 years
Metal roof40–50 years
Tile or slate roof50+ years
Flat membrane roof (TPO/EPDM)15–25 years
Wood siding20–30 years
Fiber cement siding30–50 years
Stucco50+ years
Exterior paint cycle7–10 years
Gutters and downspouts20–30 years
Wood deck, pressure-treated15–20 years
Composite deck25–30 years
Asphalt parking — seal coat3–5 years
Asphalt parking — overlay12–15 years
Asphalt parking — reconstruction25–30 years
Concrete sidewalks and curbs30–50 years
Site lighting (poles, fixtures)20–30 years
Wood fencing15–25 years
Pool plaster10–15 years
Pool pump and filter7–10 years
HVAC rooftop unit15–20 years
Boiler25–30 years
Commercial water heater10–15 years
Fire alarm panel20–25 years
Elevator cab finishes15–20 years
Elevator modernization25–30 years
Carpet, clubhouse7–10 years
Playground equipment10–15 years

Ranges synthesized from common professional reserve-study references and U.S. building-component literature. Verify against a study performed by a credentialed reserve specialist (RS, PRA, or equivalent) before relying on any figure for funding decisions.

Related tools
  • Reserve Health Check → Free. Inputs reserve balance, annual contribution, building age, and components; returns a grade with the math shown. No signup required to view results.
Institutional Reference

Meeting requirements in Colorado

Statutory floors for owner and board meetings — notice periods, delivery rules, quorum, voting, written consent, and record retention. Generic reference. Specific bylaws or declarations may impose tighter requirements; statutes set the minimum.

Colorado statute does not currently encode specific board or owner meeting notice periods in the corpus. The discipline still applies. Industry standard is below.

  • Provide at least 10 days advance notice for board meetings.
  • Provide 14–30 days advance notice for annual or special owner meetings.
  • Hold at least one annual meeting of the membership each year.
  • Keep all board meetings open to owners in good standing; reserve executive session for narrow purposes.
  • Define a quorum threshold in the bylaws and apply it consistently.

CommunityPay maintains a Board Meeting Packet generator that produces a state-aware agenda, draft minutes template, and compliance checklist for the board pack.

How meeting notice must be delivered, what it must contain, and what defects invalidate the notice. Statutes vary in mechanics; the principles are consistent.

  1. Delivery method First-class mail or hand-delivery to the address on file with the association is the universal default. Most states permit electronic delivery only with the owner's written consent. A posted notice on a community bulletin board is not, by itself, sufficient.
  2. Address on file The association is entitled to rely on the address each owner has provided. The owner bears the burden of keeping it current. The board must maintain a registered address list.
  3. Required content Date, time, location (or remote-access link), and an agenda. Material to be voted on — budget, special assessments, rule changes — must be identified specifically. "Other business" is not a substitute for an item.
  4. Notice period start The notice period typically runs from the date of mailing or hand-delivery, not the date of receipt. Some states count both the notice date and the meeting date; others exclude one or both. Confirm the rule.
  5. Remote participation When the association offers remote attendance, the notice must include the access information and any limitations (e.g., audio-only, no chat). Recording rules vary by state.
  6. Defective notice consequences Material defects invalidate actions taken at the meeting. Minor defects (typo in location, slightly late mailing) may be cured by attendance and waiver. Document the cure in the minutes.
  7. Emergency notice Statutes typically permit shortened notice for genuine emergencies (imminent physical harm, immediate financial loss). The board must document the emergency basis in the minutes.

Full notice requirements appear in C.R.S. §38-33.3-101 and the specific subsections cited in the Requirements tab.

Quorum sets the floor for a valid meeting. Voting mechanics — proxies, ballots, written consent — determine how votes are counted once the quorum is established.

Quorum

Statute sets the default at 20% of allocated interests unless the governing documents specify a different threshold.

Proxies

Most states permit proxies for owner meetings. The proxy must be written, dated, and signed; many states require revocation rights and an explicit scope (general or limited). Proxies do not extend to board meetings — directors must vote in person or by permitted remote means.

Written consent

Action without a meeting requires unanimous written consent in most jurisdictions, though some states permit a lower threshold for narrow categories (uncontested matters, ratification). Document the consent in the corporate records, indexed to the action taken.

Ballots

Secret-ballot procedures, double-envelope requirements, and inspector-of-elections rules apply in states with comprehensive election statutes. Director elections, recall votes, and assessment increases above a statutory threshold typically require secret-ballot procedure.

Cumulative voting

Available only when explicitly authorized by the declaration or bylaws. Otherwise straight voting applies — each membership casts one vote per open seat per candidate, with no concentration permitted.

Member in good standing

Voting rights may be suspended for delinquent accounts in some jurisdictions. Suspension typically requires due-process notice and an opportunity to cure. Statutes vary; the bylaws must align.

Voting and quorum procedures are codified in C.R.S. §38-33.3-101 and applicable subsections. Specific procedures may be modified in the declaration and bylaws within statutory limits.

Minutes are the corporate record of the meeting. Statutes in every state require associations to maintain meeting minutes and make them available to owners on request. Retention periods and access rules vary.

  1. What minutes must contain Date, time, location. Directors and officers present. Quorum determination. Motions made, seconded, and the vote count. Substantive board actions and adopted resolutions. Executive-session minutes kept separately; the open-session minutes record only that a closed session occurred.
  2. Retention period Colorado requires retention for at least 3 years. Reserve studies, declarations, amendments, and assessments — permanent.
  3. Owner inspection rights Colorado requires the association to respond within 30 days of a written request.
  4. Approval process Draft minutes are circulated to the board, corrected, and approved at the next regular meeting. Approved minutes become the official record. Corrections after approval require a noted amendment, not silent edits.
  5. Permanent records Declaration, bylaws, articles of incorporation, rule books, amendments, and the minute book are permanent records. The association cannot dispose of them on any retention schedule.
  6. Resale disclosure Recent board and owner meeting minutes are typically required attachments to a resale certificate. The standard window is the last 12 months; some statutes extend to 24 months for amendments.
  7. Executive session Closed-session minutes record matters discussed but typically remain confidential from the general membership. Specific votes taken in closed session may need to be reported in the open-session minutes.

Records retention and inspection rights are codified in C.R.S. §38-33.3-101 and related subsections. A records-request response that misses the statutory deadline may expose the association to a per-day penalty.

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