HOAs & Condos in Greeley, CO

214 registered communities in Greeley across Larimer County and 1 adjacent county. Mix: 75 condominium, 53 homeowners association, 53 unclassified entity, 31 townhome association, 2 property owners association. Median monthly HOA/condo fee in the county is $281.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Greeley, 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
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.
358,792
County Population
Relatively Moderate
FEMA Risk Rating
$281
Median Monthly HOA Fee
$224 – $340
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 6,767 units.
Lightning
Very High
$6,875,840/yr expected loss
Hail
Relatively High
$10,820,367/yr expected loss
Winter Weather
Very High
$1,822,192/yr expected loss
Wildfire
Relatively High
$15,199,159/yr expected loss
Landslide
Relatively Moderate
$491,433/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.
One Way Community Management, LLC Verified
38 community engagements · manages 38 associations nationally
365 Real Property Management, LLC Verified
30 community engagements · manages 30 associations nationally
Tri, LLC Verified
6 community engagements · manages 6 associations nationally
Kellison, LLC Verified
1 community engagement · manages 52 associations nationally
Rowcal Management Co, LLC Verified
1 community engagement · manages 222 associations nationally
Community Action Property Management LLC Verified
1 community engagement · manages 17 associations nationally
"Verified" indicates a confirmed engagement with a community in Greeley. HQ-only entries are companies headquartered in Greeley with potential service area overlap.
214 Greeley 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
128 GREELEY COMMERCIAL CONDOMINIUM ASSOCIATION Condominium 1998
1640 Riverside Condominium Association Condominium 2018
1815 61st Avenue Condominium Association, Inc. Condominium 2007
1864 10th Street Condominium Association, Inc. Condominium 2006
1919 - 65th Avenue Owners Association, Inc. Unclassified Entity 2005
217 RACQUETTE DRIVE CONDOMINIUM ASSOCIATION Condominium 1997
4902 Larimer Parkway Condominium Association Condominium 2025
49th Avenue Park Crossing Townhomes Association, Inc. Townhome Association 2021
857 TOWNHOMES OWNERS ASSOCIATION Townhome Association 2001
ASHCROFT HEIGHTS HOMEOWNERS ASSOCIATION Homeowners Association 2000
BEAU CHATEAU COMMUNITY ASSOCIATION Unclassified Entity 1995
BITTERSWEET PLACE PROFESSIONAL OFFICE CONDOMINIUMS OWNERS ASSOCIATON, INC. Condominium 2002
BOOMERANG RANCH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
Boomerang West Homeowners Association, Inc. Homeowners Association 2015
BRACEWELL PUD HOMEOWNERS ASSOCIATION Homeowners Association 2003
Brookstone Townhomes Owners Association Townhome Association 2017
CATTAIL CREEK HOMEOWNERS ASSOCIATION INC Homeowners Association 2004
CEDARWOODS HOMEOWNERS ASSOCIATION Homeowners Association 2000
Center Park Homeowners Association, Inc. Homeowners Association 2006
Centerplace Crossing Townhomes Association Townhome Association 2022
CENTERRA NO. 1 CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2002
CHAPPELOW COMMONS HOMEOWNERS ASSOCIATION Homeowners Association 1998
Chimney Park Garages Condominium Association, Inc. Condominium 2022
CLOVER CREEK HOMEOWNER'S ASSOCIATION OF GREELEY Unclassified Entity 1999
COLLEGE GREEN COMMONS OF GREELEY COMMUNITY ASSOCIATION Unclassified Entity 1994
COLLEGE GREEN CORNER OF GREELEY COMMUNITY ASSOCIATION Unclassified Entity 1997
COLLEGE GREEN CROSSING OF GREELEY COMMUNITY ASSOCIATION Unclassified Entity 1996
COLLEGE GREEN GARDENS HOMEOWNERS'S ASSOCIATION Homeowners Association 1993
COLLEGE GREEN OFFICE PARK OWNERS ASSOCIATION, INC. Unclassified Entity 2004
COLLEGE GREEN POINT OF GREELEY COMMUNITY ASSOCIATION Unclassified Entity 1996
Condominiums at Windsor Lake Owners Association Condominium 2020
CORNERSTONE COMMUNITY HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
COTTONWOOD COMMONS OFFICE CONDOMINIUM Condominium 1987
COUNTRY CLUB MAPLES CONDOMINIUM ASSOCIATION OFGREELEY, INC. Condominium 1981
Country Club Villas Condominium of Greeley Association, Inc Condominium 1971
Country Farms Village Townhomes and Cottages Association Townhome Association 2020
Countryside Park South Homeowners Association Homeowners Association 2018
COVINGTON KNOLLS HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1994
Covington Meadows Homeowners Association, Inc. Homeowners Association 2022
DARRELL ROAD OWNERS ASSOCIATION, INC. Unclassified Entity 1998
DRAKE'S CROSSING TOWNHOMES ASSOCIATION Townhome Association 2001
EAGLE RIDGE OF WELD COUNTY HOMEOWNERS' ASSOCIATION Homeowners Association 1998
Eagle View Community Association, Inc Unclassified Entity 2006
Eagle View Ranch Community Association, Inc Unclassified Entity 2007
East End Hangars Condominium Association Condominium 2021
Eastgate Owners Association Unclassified Entity 2004
ESSEX SQUARE PROFESSIONAL CONDOMINIUM ASSOCIATION Condominium 1980
FAIRWAY 4 HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1978
FAIRWAYS TERRACE CONDOMINIUM ASSOCIATION Condominium 1977
Ferguson Two Townhomes Association, Inc. Townhome Association 2018
FIVE STAR BUSINESS PARK CONDOMINIUM ASSOC., INC. Condominium 2001
FOXHILL CONDOMINIUM ASSOCIATION, INC. Condominium 2002
FOXHILL OFFICE PARK CONDOMINIUM ASSOCIATION Condominium 2004
Foxhill of Greeley Office Condominium Association Condominium 2008
Fox Run Business Park Condominiums No. 2 Association Condominium 2007
Fox Run Business Park Owners Association, Inc. Unclassified Entity 2005
FRISCO PLACE HOMEOWNERS' ASSOCIATION Homeowners Association 1994
GALLERY GREEN PROFESSIONAL PARK CONDOMINIUM OF GREELEY, INC. Condominium 2002
GATEWAY ESTATES, THIRD FILING HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
GATEWAY LAKES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
Governor's Crossing Owners Association, Inc. Unclassified Entity 2018
GOVERNOR'S RANCH COMMUNITY ASSOCIATION Unclassified Entity 2001
Grant Street Condominium Association, Inc. Condominium 2024
Grant Street Townhomes HOA, Inc. Townhome Association 2022
GRAPEVINE HOLLOW HOMEOWNERS ASSOCIATION Homeowners Association 2002
GREELEY BUSINESS CONDOMINIUM ASSOCIATION Condominium 1999
GREENFIELD STATION TOWNHOUSE ASSOCIATION Townhome Association 1983
Habitat Crestview Owners Association, Inc. Unclassified Entity 2016
Habitat Mission Homestead Owners Association, Inc. Unclassified Entity 2019
Harmony Club Townhomes Association Townhome Association 2020
HARVEST OWNERS ASSOCIATION, INC. Unclassified Entity 2021
HC TOWNHOMES OWNERS ASSOCIATION, INC. Townhome Association 2002
Heron Lakes Townhomes Association Townhome Association 2019
Highland Park B3L8 Condominium Association Condominium 2024
Highlands at Foxhill Discovery Owners Association Unclassified Entity 2023
Highlands at Foxhill Flats Owners Association Unclassified Entity 2023
Highlands at Foxhill Townhome Owners Association Townhome Association 2023
HILAND PARK OFFICE COMPLEX OWNERS ASSOCIATION, INC. Unclassified Entity 2003
HILAND TOWNHOME HOMEOWNERS ASSOCIATION Townhome Association 1983
HILLSIDE COMMUNITY ASSOCIATION Unclassified Entity 1958
Homestead Condominiums Owners Association Condominium 2006
Homestead Heights Homeowners Association, Inc. Homeowners Association 2015
J. PERRYMAN BUILDING CONDOMINIUM ASSOCIATION, INC. Condominium 2003
Kendall Brook Townhomes Association Townhome Association 2018
Kiva Theater Condominiums Association, Inc. Condominium 2015
KRUGER CONDOMINIUM ASSOCIATION, INC. Condominium 1980
LAKE ARROWHEAD HOMEOWNERS ASSOCIATION Homeowners Association 2002
LAKEMONT CONDOMINIUM ASSOCIATION, INC. Condominium 1980
LAKESHORE AT CENTERRA OWNERS ASSOCIATION Unclassified Entity 2002
LANDINGS BAY FORT COLLINS CONDOMINIUM ASSOCIATION Condominium 2000
Lighthouse Point Condominiums Owners Association Condominium 2006
Lighthouse Point Townhomes Owners Association Townhome Association 2013
LINDIES LAKE HOMEOWNERS ASSOCIATION Homeowners Association 1999
LOMA LINDA ESTATES COMMUNITY ASSOCIATION Unclassified Entity 1999
LONGSVIEW HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
Longsview II Homeowners Association, Inc. Homeowners Association 2018
Maplewood Commercial Condominium Association Condominium 2005
MAYFAIR GREEN - GREELEY COMMUNITY ASSOCIATION Unclassified Entity 1994
McArthur & Co. Hardware Condominium Association, Inc. Condominium 2015
Meadows at Van De Water Homeowners Association Inc Homeowners Association 2020
Meadowview At West T-Bone Owners Association, Inc. Unclassified Entity 2005
Mid Port Hangar Condominium Association, Inc. Condominium 2022
Midwest Plaza Condominiums Association, Inc. Condominium 2004
MONTERREY CONDOMINIUM ASSOCIATION OF GREELEY Condominium 2000
MOUNTAIN SHADOWS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1978
MOUNTAIN VIEW OWNERS ASSOCIATION, INC. Unclassified Entity 2002
MOUNTAIN VISTA CENTER OWNERS ASSOCIATION, INC. Unclassified Entity 2001
MOUNTAIN VISTA EAST COMMUNITY ASSOCIATION OF GREELY Unclassified Entity 1999
MOUNTAIN VISTA HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
NBC SOUTH BUILDING OWNERS ASSOCIATION, INC Unclassified Entity 2005
NEWPOINT TOWNHOMES OWNER ASSOCIATION Townhome Association 2001
Northfield Condominium Owners Association Condominium 2022
Northfield Flats Owners Association Unclassified Entity 2023
Northfield Vista Owners Association Unclassified Entity 2025
NORTH POINT CONDOMINIUMS OF EVANS ASSOCIATION Condominium 2002
NORTH POINT HOMEOWNERS ASSOCIATION Homeowners Association 2001
NORTHVIEW ESTATES CONDOMINIUM ASSOCIATION, INC. Condominium 2003
OAKRIDGE PLAZA COMMERCIAL CONDOMINIUM OF GREELEY, INC. Condominium 1998
ORCHARD PARK OWNERS ASSOCIATION Unclassified Entity 2003
Owl Ridge II Homeowners Association, Inc. Homeowners Association 2014
Paradise Village at St. Michaels Owners Association, Inc. Unclassified Entity 2006
PARKVIEW CONDOMINIUM ASSOCIATION Condominium 1972
Pebble Brook Homeowners Association, Inc. Homeowners Association 2005
PINE RIDGE ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 1998
POUDRE RIVER RANCH COMMUNITY ASSOCIATION Unclassified Entity 1996
PRAIRIE TRAILS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
Promontory West Homeowners Association, Inc. Homeowners Association 2022
Pumpkin Ridge Business Condominiums Association, Inc. Condominium 2004
PUMPKIN RIDGE COMMUNITY ASSOCIATION Unclassified Entity 2002
PUMPKIN RIDGE CONDOMINIUM ASSOCIATION Condominium 2003
Rangeview Commons Townhomes Association, Inc. Townhome Association 2005
RANGEVIEW HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1997
Ravenna Townhomes Association Townhome Association 2016
Redwood Business Park Owners Association, Inc. Unclassified Entity 2016
Renaissance at Fox Hill 2 Owners Association, Inc. Unclassified Entity 2018
RIDGEWOOD HILLS TOWNHOME ASSOCIATION Townhome Association 2001
Riley Bell Condominiums Association, Inc. Condominium 2021
River Run Homeowners Association, Inc. Homeowners Association 2006
RIVERVIEW FARM HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
RIVER VIEW HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1985
SAGE CREEK TOWNHOMES ASSOCIATION, INC. Townhome Association 2000
SALIDA COURT TOWNHOUSES OWNERS ASSOCIATION, INC. Townhome Association 2004
SANDLOT HANGAR CONDOMINIUM ASSOCIATION, INC. Condominium 1999
SCOTCH PINE CENTER COMMERCIAL CONDOMINIUM Condominium 2004
SHAW BUILDING OWNERS ASSOCIATION, INC. Unclassified Entity 2003
SHENANDOAH OWNERS ASSOCIATION, INC. Unclassified Entity 1999
Sidehill Condominiums Homeowners Association Inc. Condominium 2004
SILVERLEAF II CONDOMINIUM ASSOCIATION Condominium 1997
SKYLINE CONDOMINIUM ASSOCIATION Condominium 1972
SMITH CREEK PARK PROPERTY OWNERS ASSOCIATION Property Owners Association 1988
St. Michael's Town Square Owners Association Unclassified Entity 2005
STONE CREEK HOMEOWNERS' ASSOCIATION Homeowners Association 1996
STONEY BROOK HOMEOWNER'S ASSOCIATION OF GREELEY Unclassified Entity 1991
SUGARLOAF ESTATE MASTER HOMEOWNER'S ASSOCIATION Unclassified Entity 1982
Summit Condominium Association Condominium 2014
Sunset Ridge Subdivision Homeowners Association Homeowners Association 2013
Terrace Green - Greeley Community Association Unclassified Entity 2005
The 4665 Condominiums Association, Inc. Condominium 2019
THE ASHTON ESTATES COMMUNITY ASSOCIATION Unclassified Entity 1994
THE ASPEN TOWNEHOMES CONDOMINIUM ASSOCIATION, INC. Condominium 1983
THE BOARDWALK AT PELICAN BAY CONDOMINIUM ASSOCIATION Condominium 2004
THE BUNGALOWS AT TUSCANY HOMEOWNERS' ASSOCIATION Homeowners Association 2002
THE CLARK-N-HILL CONDOMINIUM ASSOCIATION Condominium 1998
THE CONDOMINIUMS AT PARKVIEW OWNERS ASSOCIATION, INC. Condominium 2002
THE COVE AT HORSESHOE LAKE HOMEOWNERS ASSOCIATION Homeowners Association 2001
THE COVE AT RICHARDS LAKE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
THE DENS AT FOX RUN HOMEOWNER'S ASSOCIATION Unclassified Entity 2004
THE DEVON COMMUNITY ASSOCIATION Unclassified Entity 1992
THE GREYSTONE AT FOXHILL COMMUNITY ASSOCIATION Unclassified Entity 1994
The HBD Building Owners Association Unclassified Entity 2004
THE LOFT CONDOMINIUM, INC. Condominium 1997
THE PARK AT COUNTRY CLUB HOMEOWNER'S ASSOCIATION Unclassified Entity 1986
THE PINNACLE AT T-BONE RANCH CONDOMINIUM ASSOCIATION, INC. Condominium 1999
THE PONDS AT OVERLAND TRAIL HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1997
The Reserve at Hunter's Cove Condominium Association Condominium 2005
THE RESERVOIR PINES CONDOMINIUM ASSOCIATION Condominium 1999
THE RIDGE AT PRAIRIE VIEW HOMEOWNERS ASSOCIATION Homeowners Association 2003
The Shores at The Lakes at Centerra Home Owners Association Homeowners Association 2021
The Townhomes at Chimney Park Owners Association, Inc. Townhome Association 2019
THE TOWNHOMES AT STONE CREEK CONDOMINIUM ASSOCIATION Condominium 2003
The Trails at Sheep Draw Homeowners Association, Inc. Homeowners Association 2018
TimberVine Townhomes Subassociation, Inc. Townhome Association 2016
Timnath Ranch Townhomes Association Townhome Association 2019
TOWNHOMES AT TIMBER CREEK HOMEOWNERS ASSOCIATION Townhome Association 2000
Tuscany Farms Condominium Association, Inc. Condominium 2019
TUSCANY HOMEOWNERS' ASSOCIATION Homeowners Association 2001
TUSCANY TOWNHOMES HOMEOWNERS' ASSOCIATION, INC. Townhome Association 2004
University Place Condominium Association, Inc. Condominium 2004
VENTANA PROPERTY OWNERS' ASSOCIATION Property Owners Association 2000
VENTANA VILLAS HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1993
Vernazza Townhomes Association Townhome Association 2021
VICTORY CONDOMINIUM ASSOCIATION, INC. Condominium 1997
VILLAGE AT FOSSIL LAKE CONDOMINIUM ASSOCIATION Condominium 2002
Village at Foxhill Townhome Association,Inc Townhome Association 1986
VILLA SERENA HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1993
VIRGINIA HILLS HOMEOWNERS' ASSOCIATION Homeowners Association 2000
VISTA GRANDE CONDOMINIUM ASSOCIATION Condominium 1977
WEDGWOOD HOMEOWNERS' ASSOCIATION Homeowners Association 1977
WELDORADO CONDOMINIUM ASSOCIATION Condominium 1990
West 18th Business Center Condominium Association, Inc. Condominium 2006
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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