HOAs & Condos in Crested Butte, CO

156 registered communities in Crested Butte across Gunnison County. Mix: 101 condominium, 17 homeowners association, 17 townhome association, 17 unclassified entity, 4 property owners association. Median monthly HOA/condo fee in the county is $359.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Crested Butte, 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.
New subsection added Effective Oct 1, 2025
HB 25-1043 (Chapter 433, Session Laws of Colorado 2025) added notice steps around an association's foreclosure of its lien under C.R.S. §38-33.3-316. "At least thirty days before initiating a legal action to foreclose an association lien", the association must give the owner written and electronic notice that the owner "has the right to participate in credit counseling at the unit owner's expense" and where information on it is available (10.3). Also at least thirty days before, it must send a notice of its intent to foreclose by certified mail, return receipt requested, and by at least two of phone, text, email, or regular mail, stating that if the court forecloses it will order the unit sold at auction, that the owner could lose some or all equity in the unit, and that the owner has rights to credit counseling and mediation (10.8). "No later than five business days after an association initiates legal action to foreclose", it must give written and electronic notice to "all lienholders identified in the unit owner property records" of the right to cure and of the owner's right to move to stay the sale (11.2). New (14) defines "assessment" as a budget-based common expense payment or a payment for limited common elements, and it "includes fees specific to delinquent payments and reasonable collection costs for collecting delinquent payments." The act applies to enforcement actions instituted on or after October 1, 2025. Effective October 1, 2025. View source
  • 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
Colorado does not cap RC preparation fees by statute. In CommunityPay, an association's manager, accounting firm, or staff generates the certificate from its books, with no per-certificate charge from CommunityPay.
16,897
County Population
Relatively Low
FEMA Risk Rating
$359
Median Monthly HOA Fee
$236 – $480
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 318 units.
Landslide
Relatively Moderate
$590,344/yr expected loss
Avalanche
Very High
$7,025,355/yr expected loss
Wildfire
Relatively Low
$262,397/yr expected loss
Lightning
Relatively Moderate
$541,814/yr expected loss
Inland Flooding
Relatively Low
$12,319,754/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.
Schumacher & O'loughlin, LLC Verified
6 community engagements · manages 18 associations nationally
Crested Butte Lodging & Property Management, Inc. Verified
3 community engagements · manages 9 associations nationally
"Verified" indicates a confirmed engagement with a community in Crested Butte. HQ-only entries are companies headquartered in Crested Butte with potential service area overlap.
156 Crested Butte 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
510 Elk Condominiums Association Condominium 2019
Academy Place Condominiums Association, Inc. Condominium 2021
ALPINE MEADOWS PROPERTY OWNERS ASSOCIATION Property Owners Association 1980
ANDREAS CIRCLE CONDOMINIUMS ASSOCIATION, INC. Condominium 1998
Aperture Homeowners Association, Inc. Homeowners Association 2017
Aspen Grove Townhome Association, Inc. Townhome Association 2007
BAM Condominiums Association Condominium 2018
Beckwith Building Condominium Association Condominium 2004
BELLEVIEW COMMERCIAL BUILDING CONDOMINIUMS ASSOCIATION, INC. Condominium 2000
BELLEVIEW PARK CONDOMINIUMS ASSOCIATION, INC. Condominium 1994
BLACK BEAR LODGE CONDOMINIUMS ASSOCIATION, INC. Condominium 2000
BLACK DIAMOND LODGE CONDOMINIUM ASSOCIATION, INC. Condominium 2006
Bonnie Kate Condominium Condominium 2005
BOULDERS CONDOMINIUMS ASSOCIATION Condominium 1984
Buckley Drive Condominium Association Condominium 2002
Butte View Condominium Association, Inc. Condominium 2020
CASCADILLA CONDOMINIUMS ASSOCIATION, INC. Condominium 2001
Castle Creek Townhomes Association Townhome Association 2004
CEDARWOOD TOWNHOME CONDOMINIUMS Condominium 2011
CEMENT CREEK CONDOMINIUMS ASSOCIATION Condominium 1988
CHADLINGTON HOUSE CONDOMINIUM ASSOCIATION Condominium 1983
CINNAMON TEAL CONDOMINIUM OWNERS' ASSOCIATION INC. Condominium 2004
COACHLIGHT CONDOMINIUMS ASSOCIATION Condominium 2000
COAL CREEK CONDOMINIUM ASSOCIATION, INC. Condominium 1976
CREEKSIDE HOMEOWNERS' ASSOCIATION Homeowners Association 2009
Creekside Plaza Condominiums Association, Inc. Condominium 2022
CRESTED BUTTE HIGHLANDS PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 1988
CRESTED BUTTE SOUTH PROPERTY OWNERS ASSOCIATION, INC Property Owners Association 1979
CRESTED MOUNTAIN CONDOMINIUM ASSOCIATION, INC. Condominium 1980
CRESTED MOUNTAIN NORTH CONDOMINIUM ASSOCIATION, INC. Condominium 1980
CRESTED VIEW CONDOMINIUMS ASSOCIATION Condominium 1997
CREST HOUSE CONDOMINIUM ASSOCIATION Condominium 1992
Crystal Creek Condominium Association Condominium 2007
DOUBLETOP CLUSTER UNITS CONDOMINIUMS ASSOCIATION Condominium 2003
Double Top Condominiums Association, Inc. Condominium 2019
EAST RIVER RANCHES HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1997
EDELWEISS AT CRESTED BUTTE CONDOMINIUMS ASSOCIATION Condominium 1991
Elcho IV Townhomes Association Townhome Association 2018
Elevation Owners Association Unclassified Entity 2007
ELK AVENUE BUILDING CONDOMINIUM ASSOCIATION, INC. Condominium 1992
ELK RIDGE III CONDOMINIUM OWNERS ASSOCIATION Condominium 1990
FAUST CONDOMINIUMS ASSOCIATION, INC. Condominium 1998
FIRST STREET CONDOMINIUMS ASSOCIATION, INC. Condominium 2002
FLORESTA CONDOMINIUMS ASSOCIATION, INC. Condominium 1982
GATEWAY CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1981
GIBSON RIDGE CONDOMINIUM ASSOCIATION Condominium 2000
GOLF VILLAS HOMEOWNERS ASSOCIATION Homeowners Association 1991
Green Drake Condominiums Association Condominium 2017
Greens at Fairway Park Homeowners Association Homeowners Association 2017
Gunnison River Homeowners Association, Inc. Homeowners Association 2019
Haverly Townhomes Association, Inc. Townhome Association 2023
Hawk's Nest Town Homes Owners Association Unclassified Entity 2005
Highpoint Townhomes Association, Inc Townhome Association 2022
HIGH VALLEY CONDOMINIUM ASSOCIATION, INC. Condominium 1978
Jason Condominiums Homeowners Association Condominium 2014
KENNEBEC CONDOMINIUMS ASSOCIATION Condominium 2002
KLINKER CONDOMINIUMS ASSOCIATION Condominium 1999
LAKE SAN CRISTOBAL SUBDIVISION HOMEOWNERS ASSOCIATION Homeowners Association 1996
Larkspur Community Association, Inc. Unclassified Entity 2006
LARKSPUR CONDOMINIUMS ASSOCIATION, INC. Condominium 1999
LARKSPUR SOUTH CONDOMINIUMS ASSOCIATION Condominium 2003
LAZY S CONDOMINIUMS ASSOCIATION, INC. Condominium 2001
Little Hillside Homeowners Association Homeowners Association 2020
LONE TREE CONDOMINIUMS ASSOCIATION, INC. Condominium 1997
MAJESTIC PLAZA CONDOMINIUM ASSOCIATION Condominium 1995
Maroon Avenue Condominiums Association Condominium 2026
MAROON CONDOMINIUMS ASSOCIATION, INC. Condominium 1996
meadow vista condominium association, inc Condominium 2006
MOUNTAIN HORIZON HOMEOWNERS ASSOCIATION Homeowners Association 1982
MOUNTAIN WEST VILLAS HOMEOWNERS ASSOCIATION Homeowners Association 2002
NORTH SHORE TOWNHOUSE HOMEOWNERS ASSOCIATION, INC. Townhome Association 1989
Northstar Condominiums Association Condominium 2014
ORE BUCKET COMMERCIAL CENTER CONDOMINIUMS ASSOCIATION, INC. Condominium 1995
OUT RUN CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1979
OVERLOOK AT MT. CRESTED BUTTE CONDOMINIUMS ASSOCIATION,INC. Condominium 1994
OVERLOOK AT MT. CRESTED BUTTE OWNERS ASSOCIATION, INC. Unclassified Entity 1993
OWEN CONDOMINIUMS ASSOCIATION, INC. Condominium 1999
Owl's Nest Townhomes Association Townhome Association 2011
PARADISE CONDOMINIUM OWNERS' ASSOCIATION, INC. Condominium 1981
PARADISE DIVIDE CONDOMINIUMS ASSOCIATION, INC. Condominium 2000
Paradise View Condominiums Association Condominium 2005
Parker Pointe Owners Association, Inc. Unclassified Entity 2025
PERRY STOP TOWNHOMES ASSOCIATION Townhome Association 2023
PHOENIX BUILDING COMMERCIAL CONDOMINIUMS ASSOCIATION, INC. Condominium 1992
Pinnacles Townhomes at Mt. Crested Butte Association Townhome Association 2006
PIONEER CONDOMINIUMS AT CRESTED BUTTE SOUTH ASSOCIATION Condominium 2002
Pioneer Plaza Commercial Townhomes Association, Inc. Townhome Association 2005
PITCHFORK TOWNHOMES ASSOCIATION, INC. Townhome Association 2001
PONDEROSA CONDOMINIUMS ASSOCIATION Condominium 1979
Porcupine Ridge Owners Association Unclassified Entity 2007
POVERTY GULCH CONDOMINIUMS HOMEOWNERS ASSOCIATION Condominium 1999
POWDERVIEW AT THE GREENS HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1989
Ptarmigan Condominium Association Condominium 2007
Red Feather Ranch Community Association Unclassified Entity 2015
RED LADY ESTATES CONDOMINIUMS ASSOCIATION INC. Condominium 2003
RED MOUNTAIN VISTAS CONDOMINIUMS ASSOCIATION Condominium 2001
RISING SUN CONDOMINIUMS ASSOCIATION, INC. Condominium 2003
RIVERBEND SUBDIVISION HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1989
RIVER GREEN PROPERTY OWNERS ASSOCIATION Property Owners Association 1987
RIVERLAND LOT OWNERS ASSOCIATION Unclassified Entity 1982
RIVER RIM HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
SADDLE RIDGE RANCH ESTATE HOMEOWNERS ASSOCIATION Homeowners Association 1999
SAN MORITZ CONDOMINIUM ASSOCIATION Condominium 1971
SILVANITE CONDOMINIUM ASSOCIATION, INC. Condominium 1979
SKI CENTER CONDOMINIUMS ASSOCIATION Condominium 2003
SKI JUMP CONDOMINIUMS Condominium 1982
SKYLAND APPLETREE CONDOMINIUMS ASSOCIATION Condominium 1983
SKYLAND COMMUNITY ASSOCIATION Unclassified Entity 1981
SKYLAND LODGE CONDOMINIUMS ASSOCIATION Condominium 1985
SKYVIEW TOWNHOUSES OWNERS ASSOCIATION Townhome Association 1998
SLATE RIVER CONDOMINIUM OWNER'S ASSOCIATION, INC. Condominium 2002
SLATE RIVER ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 1980
Slate Riverside Condominiums Association Condominium 2007
SNOW CASTLE CONDOMINIUM ASSOCIATION, INC. Condominium 1988
SNOWCREST CONDOMINIUM ASSOCIATION Condominium 1983
Snowfall Point Condominiums Association Condominium 2007
Solar Sixplex Condominium Association Condominium 2005
SOLSTICE CONDOMINIUMS ASSOCIATION Condominium 1996
SOPRIS GARDENS CONDOMINIUMS ASSOCIATION, INC. Condominium 2001
Stallion Park Owners Association Unclassified Entity 2006
SUNHOMES CONDOMINIUMS ASSOCIATION Condominium 1986
SUNSHINE CONDOMINIUMS ASSOCIATION Condominium 1980
Sunspace Condominium Association, Inc. Condominium 2005
Tassinong Condominiums Association Condominium 2017
TELEMARK TRIPLEX CONDOMINIUMS ASSOCIATION, INC. Condominium 2000
TEOCALLI PEAKS CONDOMINIUM ASSOCIATION Condominium 1999
TEOCALLI TOWNHOMES ASSOCIATION, INC. Townhome Association 1995
THE BUTTES CONDOMINIUMS OWNERS' ASSOCIATION, INC. Condominium 1982
THE CHATEAUX CONDOMINIUMS Condominium 1974
The Grand Lodge Crested Butte Commercial Condominium Association Condominium 2004
The Grand Lodge Crested Butte Resort Condominium Association Condominium 2004
The Grand Lodge Crested Butte Resort II Condominium Association Condominium 2005
THE MEADOWS CONDOMINIUMS OWNERS' ASSOCIATION, INC. Condominium 1979
THE OUTPOST CONDOMINIUMS ASSOCIATION,INC. Condominium 2000
The Pines Condominiums Condominium 2021
THE POINT (SKYLAND) HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1988
THE SMITH HILL RANCHES HOMEOWNERS ASSOCIATION Homeowners Association 2003
THE SUMMIT RESIDENTIAL OWNERS ASSOCIATION, INC. Unclassified Entity 1994
The Timbers Owners Association, Inc. Unclassified Entity 2016
Times Square Condominiums Association Condominium 2006
TREASURY HILL HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1991
TREASURY POINT TOWNHOMES ASSOCIATION, INC. Townhome Association 2000
TREY VAN CONDOMINIUMS ASSOCIATION, INC. Condominium 1999
TWOGOR CONDOMINIUMS ASSOCIATION Condominium 1999
Upper Prospect Homeowners Association, Inc Homeowners Association 2022
WAY LADY TOWNHOUSES CONDOMINIUMS UNIT OWNERS' ASSOCIATION,INC. Condominium 1996
WEST ELK CENTER CONDOMINIUM ASSOCIATION, INC. Condominium 2002
Westover Condominiums Condominium 2012
WESTWALL LODGE AT MT. CRESTED BUTTE CONDOMINIUM ASSOCIATION, INC. Condominium 2004
Wetlands Owners Association Unclassified Entity 2019
Whetstone Industrial Park Lot Owners Association, Inc. Unclassified Entity 2017
WHETSTONE MOUNTAIN RANCH OWNERS ASSOCIATION Unclassified Entity 2004
WHETSTONE TOWNHOUSE ASSOCIATION Townhome Association 1996
WILDWOOD TOWNHOMES ASSOCIATION Townhome Association 2003
WILLOW CREEK TOWNHOMES ASSOCIATION, INC. Townhome Association 2003
Zink Building Condominiums Association Condominium 2015
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.

Related tools
Free download · Email gated

Download the Colorado HOA & Condo Compliance Checklist

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
Email me the PDF
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
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
Login