HOAs & Condos in Denver, CO

1587 registered communities in Denver across Denver County and 2 adjacent counties. Mix: 619 condominium, 507 homeowners association, 269 unclassified entity, 170 townhome association, 22 property owners association. Median monthly HOA/condo fee in the county is $395.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Denver, 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.
715,210
County Population
Relatively High
FEMA Risk Rating
$395
Median Monthly HOA Fee
$302 – $551
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 28,515 units.
Hail
Very High
$72,449,912/yr expected loss
Lightning
Very High
$4,445,012/yr expected loss
Tornado
Relatively High
$28,038,780/yr expected loss
Strong Wind
Relatively High
$4,092,446/yr expected loss
Inland Flooding
Relatively High
$93,602,212/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.
Advance HOA Management, Inc. Verified
395 community engagements · manages 396 associations nationally
Cap Management LLC Verified
78 community engagements · manages 78 associations nationally
HOA Simple, LLC Verified
35 community engagements · manages 35 associations nationally
Sopra Communities, Inc. Verified
29 community engagements · manages 29 associations nationally
3.0 Management LLC Verified
25 community engagements · manages 26 associations nationally
Lcm Property Management, Inc. Verified
24 community engagements · manages 25 associations nationally
Market Street Management Verified
20 community engagements · manages 20 associations nationally
Aberdeen Management Company Verified
17 community engagements · manages 17 associations nationally
Homestead Management Corporation Verified
15 community engagements · manages 96 associations nationally
Teleos, LLC Verified
13 community engagements · manages 14 associations nationally
"Verified" indicates a confirmed engagement with a community in Denver. HQ-only entries are companies headquartered in Denver with potential service area overlap.
1587 Denver 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
1000 Rosewood Homeowners Association, Inc. Homeowners Association 2012
1015 WEST EVANS CONDOMINIUM ASSOCIATION, INC. Condominium 2002
1055 Clermont Parking Garage Condominium Association, Inc. Condominium 2025
1062 Josephine Condominium Association, Inc. Condominium 2005
1065 LAFAYETTE CONDOMINIUM ASSOCIATION, INC. Condominium 1987
10 HIGHLANDS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
1156 Logan Condominiums Homeowner's Association, Inc. Condominium 2005
1176 Gaylord Condominium Association, Inc. Condominium 2014
1200 VINE CONDOMINIUM OWNERS' ASSOCIATION, INC. Condominium 1999
1268 Perry Street Homeowners Association, Inc. Homeowners Association 2020
1327 PINE CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 1988
1330 Elizabeth Street Condominium Association, Inc. Condominium 2008
1330 Race St. Owners Association, Inc. Unclassified Entity 2009
137/139 Harrison Street Condos Homeowners Association Condominium 2004
1400 Wewatta Condominium Association, Inc. Condominium 2008
1415 WASHINGTON HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2000
1418 Milwaukee St. Condominium Association, Inc. Condominium 2016
1440 BLAKE STREET OWNERS ASSOCIATION, INC. Unclassified Entity 2001
1449 PENNSYLVANIA STREET CONDOMINIUMS HOMEOWNER'S ASSOCIATION Condominium 2003
14th Avenue Condominium Association, Inc. Condominium 2006
1515 LOFTS AT OGDEN CONDOMINIUM ASSOCIATION, INC. Condominium 2000
1600 WINONA COURT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
1627-1629 Gilpin Townhomes HOA, Inc. Townhome Association 2017
1630 SAINT PAUL OWNERS ASSOCIATION, INC. Unclassified Entity 1999
1637 WAZEE CONDOMINIUM ASSOCIATION Condominium 2003
1640 Downing Condominium Association, Inc. Condominium 2008
1650 WINONA COURT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
1655 HUMBOLDT CONDOMINIUM ASSOCIATION, INC. Condominium 2000
1660 17th Street Office Condominiums, Inc. Condominium 2006
16th Avenue Townhome Association, Inc. Townhome Association 2005
1727 PEARL STREET HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
1747 PEARL STREET HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
1750 Foxtrail Commercial Condominiums Association Condominium 2025
1760 Franklin Street Condominiums Homeowners Association, Inc. Condominium 2004
17TH AVENUE TOWNHOMES HOMEOWNERS ASSOCIATION, INC. Townhome Association 2001
1800 Glenarm Office Condominiums Owners' Association, Inc. Condominium 2008
1831 BUILDING CONDOMINIUM ASSOCIATION Condominium 1985
1851 West 84th Avenue Owners Association, Inc. Unclassified Entity 2018
1890 WYNKOOP COMMERCIAL CONDOMINIUM ASSOCIATION Condominium 2001
1890 WYNKOOP RESIDENTIAL CONDOMINIUM ASSOCIATION Condominium 2000
1891 Curtis Street Residences Condominium Association, Inc. Condominium 2007
1918-1922 East 18th Avenue Condominiums Association, Inc. Condominium 2017
1936 MARKET STREET CONDOMINIUM ASSOCIATTION, INC. Condominium 1997
1939 W. 32ND AVENUE HOME OWNERS ASSOCIATION. Homeowners Association 2003
1950 Logan Condominiums Condominium Association Condominium 2004
1977 South Josephine Condominium Homeowners Association Inc. Condominium 2007
200 MONROE HOMEOWNERS ASSOCIATION Homeowners Association 2008
200 PEARL STREET HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
201 CONDOMINIUMS ASSOCIATION Condominium 1973
2100 Uptown Condominiums Association, Inc. Condominium 2004
2115 Jackson Street Townhome Owners Association, Inc. Townhome Association 2004
212729 Condominium Association Inc. Condominium 2008
21 Washington Condominiums Homeowners Association, Inc. Condominium 2005
2253 S. Oneida Condominiums Owners' Association Condominium 2019
2320 UNIVERSITY PARK CONDOMINIUM ASSOCIATION, INC. Condominium 2001
24 Walnut Condominium Association, Inc. Condominium 2007
2500 Walnut Lofts Condominium Association, Inc. Condominium 2004
2501 Grove Homeowners Association, Inc. Homeowners Association 2005
2660 Larimer Street Condominium Unit Owners Association, Inc., Condominium 2022
26th Avenue Townhomes Homeowners Association, Inc. Townhome Association 2014
2727 CEDAR AVENUE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
2827-2833 W 25th Avenue Owners Association Inc. Unclassified Entity 2020
2880 Zuni Owners Association Unclassified Entity 2020
29th Drive Row Homes Community Association Unclassified Entity 2008
3030 WYANDOT HOMEOWNERS ASSOCIATION Homeowners Association 2001
30 EMERSON ST. CONDOMINIUM ASSOCIATION, INC. Condominium 2004
3131 Zuni Homeowners Association, Inc. Homeowners Association 2009
325 Interlocken Condominium Owners Association, Inc. Condominium 2008
3400 GRAPE STREET TOWNHOME ASSOCIATION, INC. Townhome Association 2000
3528 Tejon Owners Association,Inc. Unclassified Entity 2006
3581-87 SOUTH HILLCREST DRIVE CONDOMINIUM ASSOCIAT Condominium 1973
3610 SOUTH LOWELL BOULEVARD CONDOMINIUM ASSOCIATION, INC. Condominium 2001
3650 Osage Townhome Association Townhome Association 2008
3826 VRAIN STREET CONDOMINIUM Condominium 2000
400 MILWAUKEE CONDOMINIUM OWNERSHIP ASSOCITION, INC. Condominium 1996
403 16th Street Condominium Association, Inc. Condominium 2007
4257 Main Street Building Condominium Association Condominium 2008
4258 Tennyson Condominium Association, Inc. Condominium 2008
434/438 PENNSYLVANIA HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1986
4400 GROVE STREET OWNERS ASSOCIATION, INC. Unclassified Entity 2000
450 Seventeenth Avenue Owners Association Unclassified Entity 2006
4800 W 13TH AVENUE OWNERS ASSOCIATION, INC. Unclassified Entity 2003
48 S. WASHINGTON HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1984
4922-4926 Lowell Townhomes Homeowners Association Inc. Townhome Association 2018
50 North Townhomes Association, Inc. Townhome Association 2014
5120 Condominium Association, Inc. Condominium 2024
5140 Condominium Association, Inc. Condominium 2024
5160 Condominium Association, Inc. Condominium 2024
525* CONDOMINIUM ASSOCIATION INC. Condominium 1986
5318 Lowell Condominium Owners Association, Inc. Condominium 2019
535 16TH STREET CONDOMINIUM Condominium 2024
5th Avenue Flats Owners Association, Inc. Unclassified Entity 2005
616 TOWNHOME OWNERS ASSOCIATION, INC. Townhome Association 2004
6271 Beach Street Condominium Association, Inc. Condominium 2005
63 LOGAN STREET CONDOMINIUMS HOMEOWNER'S ASSOCIATION, INC. Condominium 2000
672 S. LOGAN STREET CONDOMINIUM ASSOCIATION, INC. Condominium 2002
6840 Winchester Condominium Association, Inc. Condominium 2022
69th Avenue Villas Homeowners' Association, Inc. Homeowners Association 2016
784 SMUGGLER CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 1993
85 OGDEN STREET CONDOMINIUM ASSOCIATION, INC Condominium 1997
863 Santa Fe Owners Association, Inc. Unclassified Entity 2005
888 CONDOMINIUM ASSOCIATION Condominium 1978
8th Avenue Loft Owners Association Inc. Unclassified Entity 2012
8th Street Homeowners Association, Inc. Homeowners Association 2015
901 SANTA FE OWNERS ASSOCIATION, INC. Unclassified Entity 1999
909 SOUTH PEARL STREET CONDOMINIUM ASSOCIATION, INC. Condominium 2003
930 HUMBOLDT CONDOMINIUM ASSOCIATION, INC. Condominium 1983
935 COURTYARD TOWNHOMES ASSOCIATION Townhome Association 1988
960 COURTYARD TOWNHOMES ASSOCIATION Townhome Association 1977
9th & Navajo St Owners Association Unclassified Entity 2024
Abitare Emerson Owners Association, Inc. Unclassified Entity 2006
ACOMA TERRACE OWNERS ASSOCIATION, INC. Unclassified Entity 1997
AJAX LOFTS CONDOMINIUM ASSOCIATION Condominium 2001
ALAMO PLACITA TOWNHOMES OWNERS ASSOCIATION, INC. Townhome Association 2000
Albion Street Condominiums HOA, Inc. Condominium 2005
Albion St. Townhomes Association, Inc. Townhome Association 2004
ALCOTT PARK CONDOMINIUM ASSOCIATION, INC. Condominium 2001
A-Lift Community Association, Inc. Unclassified Entity 2021
ALINE TOWNHOMES CENTRAL PARK ASSOCIATION, INC. Townhome Association 2022
Allison Park Homeowners Association, Inc. Homeowners Association 2020
ALTECH CONDOMINIUM ASSOCIATION Condominium 2003
AMERICANA TOWNHOME ASSOCIATION, INC. Townhome Association 1983
AMMONS PARK HOMEOWNERS ASSOCIATION Homeowners Association 1979
Anthem Highlands Community Association, Inc. Unclassified Entity 2005
Appel Farms Homeowners Association, Inc. Homeowners Association 2010
APPLETREE CONDOMINIUM ASSOCIATION Condominium 1977
Apres Winter Park Condominiums Association, Inc. Condominium 2022
ARAPAHOE RUN CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2004
ARAPAHOE STREET LOFTS CONDOMINIUM ASSOCIATION, INC. Condominium 1995
Arcadian West Homeowner's Association, Inc. Unclassified Entity 2025
Argyll Flats Condominium Association Condominium 2004
ARISTA LIVE/WORK TOWNHOMES ASSOCIATION, INC. Townhome Association 2008
Arlington Condominium Homeowners Association, Inc. Condominium 2005
ARLINGTON HEIGHTS OWNERS ASSOCIATION, INC. Unclassified Entity 1998
ARLINGTON PARK CONDOMINIUM ASSOCIATION, INC. Condominium 1998
Arlington Park Homeowners Association Homeowners Association 2007
Art House Condominium Association Condominium 2006
Artisan Plazas I Homeowners Association Homeowners Association 2005
Artisan Plazas II Homeowners Association Homeowners Association 2006
ASBURY AT COOK PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
ASBURY ROW HOMEOWNERS ASSOCIATION Homeowners Association 2002
ASBURY TOWNHOME ASSOCIATION, INC. Townhome Association 1997
Ash Court Townhomes Association, Inc. Townhome Association 2005
ASHLAND GARDENS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
ASHLEY COURT II CONDOMINIUM ASSOCIATION, INC. Condominium 1997
Ash Street Condominiums Association, Inc. Condominium 2008
Aspen Brook Townhomes Owners Association Townhome Association 2014
Aspen Grove Condominiums Condominium 1982
ASPEN MEADOWS TOWNHOMES II OWNERS' ASSOCIATION, INC. Townhome Association 2015
ASPEN POINT RANCH LANDOWNERS ASSOCIATION Unclassified Entity 1998
Association of Sherman Park Homeowners Homeowners Association 2011
Astra Condominium Association, Inc. Condominium 2015
ATLANTIC PLACE CONDOMINIUM ASSOCIATION, INC. Condominium 2004
Auburn Hills Centre Property Owners Association Inc Property Owners Association 2022
Audrey Pointe Condominiums Homeowners Association Condominium 2005
Augusta Pointe Property Owners Association, Inc. Property Owners Association 2005
Aurora Crossing Owners Association, Inc. Unclassified Entity 2017
AUTUMN HOUSE CONDOMINIUM ASSOCIATION, INC. Condominium 2002
AUTUMN MEADOWS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
AUTUMNWOOD HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1984
AVILA PARK CONDOMINIUM ASSOCIATION, INC. Condominium 2001
Avondale Condominiums Association, Inc. Condominium 2015
Ayr Lofts Condominium Association Condominium 2007
BADGER GULCH HOMEOWNERS ASSOCIATION Homeowners Association 2006
Badger Gulch II Homeowners Association Homeowners Association 2012
Bailey View Condominium Association Condominium 2006
Bails Townhomes Association Townhome Association 2010
BAKER LOFTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
BALDWIN BUILDING CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 1995
BALUSTRADE CONDOMINIUM ASSOCIATION, INC. Condominium 1997
BANNOCK XI CONDOMINIUM OWNERS ASSOCIATION Condominium 1979
BARON CONDOMINIUM OWNERS' ASSOCIATION, INC. Reinstated 2005 Reinstated March 29, 2005 Condominium 2000
BAYAUD AVE. TOWNHOMES ASSOCIATION, INC. Townhome Association 2002
BAYLY LOFTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1993
Bear Creek Homeowners Association, Inc. Homeowners Association 2004
Bear Crossing Owners Association, Inc. Unclassified Entity 2005
Beaumar Flats Owners Association, Inc. Unclassified Entity 2008
BEAUMONT PLACE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1981
BEAUMONT TOWNHOUSES ASSOCIATION, INC. Townhome Association 2001
BEAUVALLON CONDOMINIUM ASSOCIATION, INC. Condominium 2004
BEDFORD MEADOWS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1995
Beeler Park Rows II Community Association Unclassified Entity 2019
BELCARA ESTATES HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2003
Belcara Homeowners Association, Inc. Homeowners Association 2008
BELCOURT HOMEOWNERS ASSOCIATION Homeowners Association 2000
BELLA VISTA OF PUEBLO HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2009
Bell Crest Owners Association Unclassified Entity 2008
BELL MOUNTAIN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1995
BELL TOWER LOFTS OWNERS ASSOCIATION, INC. Unclassified Entity 1999
BELMONT FARMS HOMEOWNERS ASSOCIATION Homeowners Association 1998
Belwood Homes Homeowners Association, Inc. Homeowners Association 2023
Bergen Place at Hiwan Condominium Association, Inc. Condominium 2018
BERKELEY PARK TOWNHOME ASSOCIATION, INC. Townhome Association 1994
Berkeley Row Condominium Association Condominium 2008
Berkeley Single Family Condominium Homeowners Association Inc. Condominium 2022
BERKSHIRE PLACE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
BIBLE PARK TOWNHOUSE ASSOCIATION, INC. Townhome Association 1977
BIGHORN CENTER CONDOMINIUM ASSOCIATION, INC. Condominium 1998
Bijou Creekside Homeowner's Association Unclassified Entity 2020
BILTMORE ARMS CONDOMINIUM ASSOCIATION Condominium 2001
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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