HOAs & Condos in Breckenridge, CO

201 registered communities in Breckenridge across Summit County. Mix: 92 condominium, 35 unclassified entity, 34 townhome association, 33 homeowners association, 7 property owners association. Median monthly HOA/condo fee in the county is $448.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Breckenridge, 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.
31,040
County Population
Relatively Low
FEMA Risk Rating
$448
Median Monthly HOA Fee
$335 – $630
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 2,037 units.
Avalanche
Very High
$10,825,390/yr expected loss
Landslide
Relatively Moderate
$137,175/yr expected loss
Lightning
Relatively Moderate
$1,038,481/yr expected loss
Hail
Relatively Moderate
$1,124,740/yr expected loss
Winter Weather
Relatively Moderate
$220,931/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.
Alpine Edge, LLC Verified
9 community engagements · manages 11 associations nationally
Blue River Property Management, LLC Verified
9 community engagements · manages 9 associations nationally
Alpine Peaks Realty & Management, Inc. Verified
7 community engagements · manages 7 associations nationally
Summit Community Management, Inc. Verified
6 community engagements · manages 7 associations nationally
Lone Wolf Community Association Management LLC Verified
3 community engagements · manages 8 associations nationally
Bold Real Estate Solutions, LLC Verified
1 community engagement · manages 24 associations nationally
"Verified" indicates a confirmed engagement with a community in Breckenridge. HQ-only entries are companies headquartered in Breckenridge with potential service area overlap.
201 Breckenridge 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
311 NORTH FRENCH ST. CONDOMINIUM ASSOCIATION Condominium 2010
ABBETT'S ADDITION CONDOMINIUM ASSOCIATION Condominium 1997
Adams Place Townhomes Association Townhome Association 2023
ADAMS RIDGE OWNERS ASSOCIATION Unclassified Entity 1982
AERIE CONDOMINIUM ASSOCIATION Condominium 2000
AGENCY OWNERS ASSOCIATION Unclassified Entity 1986
ALPENSEE 3 CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2001
AMBER RIDGE AT BRECKENRIDGE CONDOMINIUM ASSOCIATION, INC. Condominium 1996
Amerind Townhomes Owner's Association Townhome Association 2005
ANDORRA CONDOMINIUM ASSOCIATION Condominium 1981
ANDREA ESTATES OWNERS ASSOCIATION, INC. Unclassified Entity 2003
ANTLERS LODGE CONDOMINIUM ASSOCIATION Condominium 1995
ASGARD HAUS CONDOMINIUM ASSOCIATION, INC. Condominium 2004
AVALANCHE CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 1999
BEAR CLAW COURT CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2002
BEAVER RUN HOMEOWNERS ASSOCIATION Homeowners Association 1979
BEKKEDAL HOMEOWNERS' ASSOCIATION Homeowners Association 1973
Big Sky Owners Association, Inc. Unclassified Entity 2013
Blue 52 Townhomes Association Townhome Association 2017
BOULDER RIDGE III OWNERS ASSOCIATION Unclassified Entity 2004
BRADDOCK HILL PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 1998
Breckenridge Design Center Connect Breck Condominium Association, Inc. Condominium 1999
BRECKENRIDGE SUNDOWNER CONDOMINIUM ASSOCIATION, INC. Condominium 1974
BRECKENRIDGE TOWNE SQUARE OWNERS ASSOCIATION, INC. Unclassified Entity 1989
BRECKENRIDGE WAREHOUSE CONDOMINIUM ASSOCIATION, INC. Condominium 1994
BRISTLECONE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
Cabins at the Overlook Owners Association Unclassified Entity 2019
CHARON PINES CONDOMINIUM ASSOCIATION Condominium 1983
CHIMNEY RIDGE TOWNHOMES ASSOCIATION Townhome Association 1982
CHRISTIANA TOWNHOUSE ASSOCIATION Townhome Association 1971
CHRISTIE HEIGHTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1990
CIMARRON CONDOMINIUMS ASSOCIATION Condominium 2006
CLAIMJUMPER CONDOMINIUM ASSOCIATION, INC. Condominium 1976
CLOUD CAP OWNERS ASSOCIATION, INC. Unclassified Entity 1992
COLUMBINE CONDOMINIUM ASSOCIATION, INC., OF BRECKENRIDGE Condominium 1992
COLUMBINE HOMEOWNERS ASSOCIATION INC. Homeowners Association 1972
Cottonwood Thicket Owners Association Unclassified Entity 2014
CRYSTAL CREEK TOWNHOME ASSOCIATION, INC. Townhome Association 1990
DER STEIERMARK CONDOMINIUM ASSOCIATION, INC. Condominium 1974
DOSSE COURT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
EAGLE RIDGE TOWNHOME OWNERS ASSOCIATION INC Townhome Association 1993
EAGLE SUBDIVISION HOMEOWNERS ASSOCIATION Homeowners Association 1999
EAGLES VIEW AT BRECKENRIDGE CONDOMINIUM ASSOCIATIO Condominium 1981
ELK RIDGE TOWNHOME ASSOCIATION Townhome Association 1995
FAIRPLAY COMMERCIAL CONDOMINIUMS OWNERS ASSOCIATION Condominium 2009
Falcon Apartments Condominium Association Condominium 2009
FIRST BRECKENRIDGE GROUP CONDOMINIUM ASSOCIATION, INC. Condominium 2002
FOREST HAUS CONDOMINIUM ASSOCIATION Condominium 1972
FOUR O'CLOCK LODGE CONDOMINIUM CORPORATION Condominium 1973
FOX HOLLOW CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2023
Fox Hollow Property Owners' Association Property Owners Association 2006
FRENCH CREEK CENTER OWNERS ASSOCIATION Unclassified Entity 1984
FRENCH RIDGE CONDOMINIUM ASSOCIATION, INC. Condominium 1983
FRONTGATE AVON CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2022
Frontgate Avon Townhome Owners Association, Inc. Townhome Association 2022
GATEWAY COMMERCIAL CONDOMINIUMS OWNERS ASSOCIATION, INC. Condominium 1998
GIBSON HEIGHTS HOMEOWNERS ASSOCIATION Homeowners Association 2002
GILROSE HOMEOWNERS ASSOCIATION INC. Homeowners Association 1996
Glenwild Owners Association Unclassified Entity 2007
GOLD CREEK HOMEOWNERS ASSOCIATION Homeowners Association 1981
GOLDENVIEW SUBDIVISION HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1994
GOLD FLAKE II HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1990
GOLDFLAKE III HOMEOWNERS ASSOCIATION Homeowners Association 2003
GOLD POINT II CONDOMINIUM ASSOCIATION, INC. Condominium 1995
Grand Colorado on Peak 8 Owners Association, Inc. Unclassified Entity 2014
GRAND TIMBER LODGE OWNERS ASSOCIATION Unclassified Entity 1999
GRANDVIEW AT BRECKENRIDGE CONDOMINIUM ASSOCIATION, INC. Condominium 1982
GREENARM COMMERCIAL BUILDING, LOT F-2, OWNERS ASSOCIATION, INC. Unclassified Entity 1999
GREENARM COMMERCIAL BUILDING OWNERS ASSOCIATION, INC. Unclassified Entity 1998
HIGHLANDER TOWNHOME ASSOCIATION, INC. Townhome Association 1995
HIGHLAND GREENS CONDOMINIUM ASSOCIATION, INC. Condominium 2002
HIGHLAND GREENS TOWNHOME ASSOCIATION, INC. Townhome Association 2002
HIGHLANDS AT BRECKENRIDGE PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 1994
HIGHLANDS PARK PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 2000
HIGH TIMBER TOWNHOMES ASSOCIATION, INC. Townhome Association 1992
HOTEL BRECKENRIDGE CONDOMINIUM ASSOCIATION Condominium 1992
Imperial Hotel and Private Residences Owners Association, Inc. Unclassified Entity 2024
Independence Townhome Owners Association, Inc. Townhome Association 2025
INNER CIRCLE CONDOMINIUM HOMEOWNERS ASSOCIATION, INC. Condominium 1987
Journal Building Condominium Association Condominium 2015
KENINGTON PLACE TOWNHOMES ASSOCIATION, INC. Townhome Association 1995
KINGDOM PARK TOWNHOMES ASSOCIATION,INC. Townhome Association 1998
KINGS RIDGE CONDOMINIUM ASSOCIATION, INC. Condominium 1997
LANCES WEST CONDOMINIUM CORP. Condominium 1982
LIFT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1977
LINCOLN WEST MALL CONDOMINIUM ASSOCIATION, INC. Condominium 1999
Loma Verde Estates Homeowners Association, Inc. Homeowners Association 2009
LONGBRANCH CONDOMINIUM OWNERS ASSOCIATION Condominium 1975
LOS PINOS CONDOMINIUM ASSOCIATION Condominium 1997
MAINRIDGE CONDOMINIUM ASSOCIATION, LTD. Condominium 1997
MAIN STREET JUNCTION CONDOMINIUM ASSOCIATION Condominium 1998
MAIN STREET MALL CONDOMINIUM ASSOCIATION, INC Condominium 1988
Mark IX Condominiums Assoc, Inc. Condominium 2008
MARK IX CONDOMINIUMS FRACTIONAL FEE OWNERS' ASSOCIATION Condominium 1991
Miller Flats Home Owners Association, Inc. Homeowners Association 2026
MILLERS INN CONDOMINIUM ASSOCIATION, INC. Condominium 2002
MINER'S CANDLE CONDOMINIUM ASSOCIATION Condominium 1998
MINER'S VIEW ESTATES HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1985
MONARCH TOWNHOMES ASSOCIATION,INC. Townhome Association 1999
Mountainwood Condominium Homeowners Association Inc. Condominium 2008
MSS VACATION CLUB OWNERS ASSOCIATION, INC. Unclassified Entity 2000
PARK AVENUE LOFTS CONDOMINIUM ASSOCIATION, INC. Condominium 2001
Parkway Center North Condominium Association, Inc. Condominium 2021
PARKWAY PLACE OWNERS ASSOCIATION Unclassified Entity 1999
PEAK EIGHT VILLAGE CONDOMINIUMS, INC. Condominium 1999
PINE CREEK TOWNHOME ASSOCIATION, INC. Townhome Association 1993
PINEMARK TOWNHOMES ASSOCIATION, LTD. Townhome Association 1979
PINE RIDGE CONDOMINIUM ASSOCIATION Condominium 1979
POWDER DOWNS TOWNHOMES HOMEOWNERS' ASSOCIATION, INC. Townhome Association 1997
POWDERHORN CONDOMINIUM OWNER'S ASSOCIATION Condominium 1976
POWDER RIDGE "A" CONDOMINIUM OWNERS ASSOCIATION Condominium 1977
QUANDARY BRECKENRIDGE CONDOMINIUM ASSOCIATION Condominium 1968
QUANDARY VILLAGE FILING NO.1 OWNERS ASSOCIATION, INC. Unclassified Entity 1997
RELIANCE PLACE CONDOMINIUM ASSOCIATION Condominium 2000
RIDER-ENYEART BUILDING CONDOMINIUM ASSOCIATION Condominium 1984
RIVER PARK ESTATES MASTER HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1997
RIVER PARK TOWNHOMES HOMEOWNERS' ASSOCIATION, INC. Townhome Association 1998
RIVERWALK PLAZA OWNERS ASSOCIATION, INC. Unclassified Entity 1989
ROCK PILE RANCH OWNERS ASSOCIATION, INC. Unclassified Entity 1999
Rock Ridge, Phase II Townhomes Association, Inc. Reinstated February 21, 2017 Townhome Association 1983
ROCKRIDGE TOWNHOMES OWNERS' ASSOCIATION, INC. Townhome Association 1989
SADDLEWOOD OWNERS ASSOCIATION Unclassified Entity 1998
SAWMILL CREEK CONDOMINIUM ASSOCIATION Condominium 1981
SAWMILL PATCH TOWNHOMES OWNER'S ASSOCIATION Townhome Association 1992
Shock Hill Overlook Property Owners Association, Inc. Property Owners Association 2016
SHOCK HILL PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 1999
Silver Jacks Owners Association, INC Unclassified Entity 2008
Silverking Lode Condominiums Association Condominium 1985
SILVER SHEKEL OWNERS ASSOCIATION, INC. Unclassified Entity 1971
SKI HILL CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1999
SKI VIEW HOMEOWNERS ASSOCIATION Homeowners Association 1992
SKIWATCH CONDOMINIUM CORP. Condominium 1990
SKYPARK BUSINESS CENTER OWNERS ASSOCIATION Unclassified Entity 1999
Sky Ridge Owners Association, INC Unclassified Entity 2008
SNODALLION CONDOMINIUM ASSOCIATION, INC. Condominium 1972
SNOW ALLEY COMMERCIAL CONDOMINIUM ASSOCIATION, INC. Condominium 1994
Snowdrop Condominium Association, Inc. Condominium 2016
Snowloft At Breckenridge Condominium Association Condominium 2015
SNOWSPRUCE CONDOMINIUM ASSOCIATION INC. Condominium 1973
Snowy Ridge Homeowners Association, Inc. Homeowners Association 2015
SOUTH FACE TOWNHOMES ASSOCIATION Townhome Association 1989
South Josephine Brownstone Condominium Association, Inc. Condominium 2007
SOUTH WEISSHORN CONDOMINIUM ASSOCIATION Condominium 2011
SUMMIT RIDGE CENTER CONDOMINIUM ASSOCIATON Condominium 1985
SUNDOWNER II CONDOMINIUM ASSOCIATION, INCORPORATED Condominium 1981
Sunrise Point Homeowners Association, Inc. Homeowners Association 1989
SUNRISE RIDGE TOWNHOUSE ASSOCIATION Townhome Association 1980
Sunset at Breckenridge Homeowners Association Homeowners Association 2008
TAMARISK HOMEOWNER'S ASSOCIATION Unclassified Entity 1971
TEN MILE SUITES CONDOMINIUM OWNERS' ASSOCIATION, INC. Condominium 1995
THE ATRIUM AT FRENCH STREET CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 1997
THE BASE 9 CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1980
THE CEDARS AT BRECKENRIDGE TOWNHOMES ASSOCIATION Townhome Association 1980
THE CORRAL AT BRECKENRIDGE HOMEOWNERS ASSOCIATION Homeowners Association 1996
The Estates at Snowy Point Homeowners Association, Inc. Homeowners Association 2011
THE EXCHANGE CONDOMINIUM ASSOCIATION Condominium 1980
The Grand Lodge On Peak 7 Owners Association, Inc. Unclassified Entity 2007
THE GROLL CONDOMINIUM ASSOCIATION, INC. Condominium 1981
THE HARRIS ST. GROUP CONDOMINIUM ASSOCIATION Condominium 1982
THE HIGHLANDS AT THE GOLF COURSE PROPERTY OWNERS' ASSOCIATION,INC. Property Owners Association 1995
THE MOTHER LODE CONDOMINIUM ASSOCIATION, INC. Condominium 1972
THE OVERLOOK RETREAT LOT OWNERS ASSOCIATION Unclassified Entity 2000
THE PINES AT 4 O'CLOCK HOMEOWNERS ASSOCIATION Homeowners Association 1996
The Residences at Granite Park Condominium Association Condominium 2025
THE RETREAT CONDOMINIUMS ASSOCIATION, INC. Condominium 1988
THE SETTLEMENT AT BRECKENRIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
THE TANNENBAUM BY THE RIVER CONDOMINIUM ASSOCIATION Condominium 1997
THE VILLAGE AT BRECKENRIDGE HOMEOWNERS ASSOCIATION Homeowners Association 2003
THE VILLAS AT SWAN'S NEST HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2002
THE WHITE WOLF TOWNHOMES OWNERS ASSOCIATION, INC Townhome Association 2001
THE WILDWOOD LODGE CONDOMINIUM ASSOCIATION, INC. Condominium 1995
TIGER RUN OWNERS ASSOCIATION Unclassified Entity 1982
TIMBERNEST CONDOMINIUM ASSOCIATION, INC. Condominium 1988
TRAILS END CONDOMINIUM OWNERS ASSOCIATION Condominium 1973
TYRA SUMMIT CONDOMINIUM ASSOCIATION, INC. Condominium 1994
TYRA SUMMIT CONDOMINIUMS II ASSOCIATION, INC. Condominium 1995
TYRA SUMMIT CONDOMINIUMS III, MOUNTAINEER TOWNHOMESASSOCIATION Condominium 1993
TYROLLEAN TERRACE BUILDING "A" CONDOMINIUM OWNERSASSOCIATION, INC. Condominium 1990
UPPER VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1986
VAL D'ISERE CONDOMINIUM ASSOCIATION Condominium 1972
VALDORA VILLAGE AT BRECKENRIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1973
VALDORO MOUNTAIN LODGE OWNERS ASSOCIATION, INC. Unclassified Entity 2000
Valley Brook Townhomes Association Townhome Association 2010
VICTORIAN GABLES TOWNHOME ASSOCIATION Townhome Association 1988
VICTORIAN QUARTERS OF BRECKENRIDGE HOMEOWNERS ASSOCIATION,INC. Homeowners Association 1994
Victory Ridge Homeowners Association, Inc. Homeowners Association 2025
VILLAGE POINT TOWNHOMES AT BRECKENRIDGE ASSOCIATION, INC. Townhome Association 1995
VISTA POINT AT BRECKENRIDGE OWNERS ASSOCIATION Unclassified Entity 2003
WELLINGTON PLACE CONDOMINIUM ASSOCATION, LTD. Condominium 2005
WELLINGTON SQUARE TOWNHOMES ASSOCIATION, INC. Townhome Association 1985
WENDELL SQUARE CONDOMINIUM ASSOCIATION, INC. Condominium 1993
WESTAR TOWNHOME ASSOCIATION, INC. Townhome Association 1995
WESTRIDGE TOWNHOMES OWNERS ASSOCIATION Townhome Association 1998
WILDFLOWER HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1982
WILDFLOWER II CONDOMINIUM ASSOCIATION, INC. Condominium 1994
WINTERPOINT HOMEOWNERS ASSOC. Homeowners Association 2002
WINTERPOINT II HOMEOWNERS ASSOCIATION, BRECKENRIDGE, COLORADO Homeowners Association 1983
WOODEN CANOE AT WATER DANCE ON LAKE DILLON HOMEOWNERSASSOCIATION Homeowners Association 1996
WOODGLEN CONDOMINIUM ASSOCIATION Condominium 1978
WOODRIDGE PLAN TOWNHOUSES ASSOCIATION Townhome Association 1982
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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One PDF — every active Colorado statute we track, statutory fee caps and time limits, recent legal changes from the last 12 months, and the resale-certificate disclosure profile. Built from CommunityPay's living legal corpus, the same data that drives our resale certificates, reserve reports, and CARI scoring.

  • Statutory fee caps and time limits (resale, late fees, lien priority)
  • Recent law changes with effective dates
  • Resale & estoppel disclosure profile, item by item
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Data sourced from Colorado Secretary of State public registrations, FEMA National Risk Index, U.S. Census Bureau, and CommunityPay's management company graph.
United States Payments and Accounting Governance Infrastructure for Community Associations
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