HOAs & Condos in Lakewood, CO

396 registered communities in Lakewood across Denver County and 2 adjacent counties. Mix: 144 condominium, 124 homeowners association, 66 townhome association, 57 unclassified entity, 5 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 Lakewood, 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.
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.
Community Management Specialists, Inc. Verified
65 community engagements · manages 119 associations nationally
Lakewood Realty Co. Verified
25 community engagements · manages 27 associations nationally
Jakel HOA Management LLC Verified
24 community engagements · manages 26 associations nationally
Executive Management Group, LLC Verified
23 community engagements · manages 23 associations nationally
Westwork Management, LLC Verified
23 community engagements · manages 24 associations nationally
Colorado Association Services Verified
20 community engagements · manages 26 associations nationally
Realty One, Inc. Verified
6 community engagements · manages 6 associations nationally
Community Financials, Inc. Verified
3 community engagements · manages 16 associations nationally
Microhoa, LLC Verified
1 community engagement · manages 8 associations nationally
K3 Enterprises, LLC Verified
1 community engagement · manages 34 associations nationally
"Verified" indicates a confirmed engagement with a community in Lakewood. HQ-only entries are companies headquartered in Lakewood with potential service area overlap.
396 Lakewood 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
1616 South Condominium Association, Inc. Condominium 2019
1650 PEARL CONDOMINIUM ASSOCIATION, INC. Condominium 2002
191 CLAYTON LANE OWNERS ASSOCIATION, INC. Unclassified Entity 2004
290 FILLMORE CONDOMINIUM ASSOCIATION, INC. Condominium 1990
3310-3336 S Washington Townhomes Homeowners Association Inc. Townhome Association 2018
335 DETROIT STREET CONDOMINIUM ASSOCIATION, INC. Condominium 1998
4285 S Eldridge St Condominium Owners, Inc. Condominium 2023
740 Birch St. Condominium Association, Inc. Condominium 2005
7500 Owners Association, Inc. Unclassified Entity 2016
ADVANTAGE AT WOOD CREEK CONDOMINIUM ASSOCIATION, INC. Condominium 1983
ALAMEDA HEIGHTS CONDOMINIUM ASSOCIATION, INC. Condominium 1988
Alameda Homes Community Association Unclassified Entity 2003
ALKIRE TOWNHOMES INC. Townhome Association 1985
Allison Glen West Homeowners Association, Inc. Homeowners Association 2006
Allison St. Cottages Owners Association, Inc. Unclassified Entity 2015
AMES HOMES CONDOMINIUM ASSOCIATION, INC. Condominium 1982
Applewood Bluffs Homeowners Assn. Homeowners Association 2010
APPLEWOOD PARK TOWNHOMES ASSOCIATION, INC. Townhome Association 1974
Applewood Summit Homeowners Association Homeowners Association 2008
ARROWHEAD OFFICE CONDOMINIUM ASSOCIATION Condominium 2008
ARROWHEAD SUBDIVISION LANDOWNERS ASSOCIATION, INC. Unclassified Entity 1998
Aspen Arms Condominium Association, Inc. Condominium 2013
Aspen Grove Homeowners Association, Inc. Homeowners Association 2005
BAY BRIDGE CONDOMINIUMS HOMEOWNERS ASSOCIATION, INC. Condominium 2001
Bear Creek Terrace Community Association, Inc. Unclassified Entity 2020
BEAR GULCH HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1995
Bellwether Place Homeowners Association, Inc. Homeowners Association 2017
BELMAR PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
BELMAR PLAZA CONDOMINIUM ASSOCIATION Condominium 2002
Belvedere Homeowners Association, Inc. Homeowners Association 2010
BENTON COURT TOWNHOUSE ASSOCIATION Townhome Association 1994
BERGEN PARK BUSINESS PLAZA - PHASE 1 CONDOMINIUM OWNERS'ASSOCIATION Condominium 1989
BERKSHIRE PLACE CONDOMINIUM ASSOCIATION Condominium 1988
Blue Vista Condominium Association, Inc. Condominium 2007
Blue Vista Master Owners Association, Inc. Unclassified Entity 2006
BOHO LOFTS CONDOMINIUM ASSOCIATION Condominium 2003
BRADBURN EAST HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2016
Bradburn Green Townhomes Association Townhome Association 2005
BRADBURN RESIDENTIAL OWNERS ASSOCIATION Unclassified Entity 2002
Bradburn Townhomes Association, Inc. Townhome Association 2004
BRAMANTE HOMEOWNERS ASSOCIATION Homeowners Association 1994
BRENTWOOD ESTATES TOWNHOMES ASSOCIATION, INC. Townhome Association 1983
BRIARGATE AT SEVENTEENTH AVENUE OWNERS ASSOCIATION, INC. Unclassified Entity 1998
BRIDGEWOOD COMMONS HOMEOWNERS ASSOCIATION Homeowners Association 1998
BROADLANDS FILING 16 OWNERS ASSOCIATION, INC. Unclassified Entity 2002
BROADMOOR VILLAGE CONDOMINIUM OWNERS ASSOCIATION, INC. Condominium 2001
BROOKFIELD ACRES HOMEOWNERS ASSOCIATION Homeowners Association 2011
BROOKSIDE CONDOMINIUM ASSOCIATION, INC. Condominium 1984
BURGUNDY HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
CADILLAC CONDOMINIUM ASSOCIATION Condominium 1979
CALWOOD TOWNHOMES ASSOCIATION Townhome Association 1996
CAMBRIDGE PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
CAMEO PARK CONDOMINIUM ASSOCIATION, INC. Condominium 1999
Campus West Condominium Association, Inc. Condominium 2005
Canyon Reserve at Mountain Shadows Townhome Owners Association, Inc. Townhome Association 2005
CANYON VIEW OWNERS ASSOCIATION, INC. Unclassified Entity 2006
CAREFREE VILLAGE TOWNHOME ASSOCIATION Townhome Association 1993
CARRIAGE GATE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
Carriage Hills at Crystal Valley Ranch Homeowners Association, Inc. Homeowners Association 2006
CARRIAGE LANE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
CATALINA CONDOMINIUM ASSOCIATION, INC. Condominium 1984
CEDAR COVE II OWNERS ASSOCIATION, INC. Unclassified Entity 1996
CEDARCREST CONDOMINIUM ASSOCIATION Condominium 1990
Cedar Drive Townhomes Owners Association, Inc. Townhome Association 2020
CEDAR RIDGE TOWNHOMES OWNERS ASSOCIATION Townhome Association 1980
CENTENNIAL CROSSING CONDOMINIUM ASSOCIATION, INC. Condominium 1983
Centennial Park Condominium Association, Inc. Condominium 2012
CHARLOU HOMEOWNERS ASSOCIATION, INC Homeowners Association 1997
CHATEAU RIDGE ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
CHATFIELD FARMS ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
CHERRY CREEK TOWNHOUSE CORP. Townhome Association 1964
CHERRY GROVE EAST II CONDOMINIUM ASSOCIATION, INC. Condominium 2001
CHERRY PARK IV HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
Cherrywood Condominium Association, Inc. Condominium 2020
CHESTNUT GLEN TOWNHOME ASSOCIATION, INC. Townhome Association 1995
CLARKE FARMS COMMUNITY ASSOCIATION, INC. Unclassified Entity 1986
CLUBCREST TOWNHOMES, LLC Townhome Association 1996
CLUBSIDE GREEN CONDOMINIUMS OWNERS ASSOCIATION, INC. Condominium 1996
CLUB TERRACE CONDOMINIUM ASSOCIATION Condominium 1990
COBBLESTONE CORNERS P.U.D. HOMEOWNER'S ASSOCIATION Unclassified Entity 1995
COBBLESTONE VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1983
Cody Street Condominium Association, Inc. Condominium 2025
Collegiate Peaks Condominiums Homeowner Association Condominium 2005
Concord Business Center Owners Association Unclassified Entity 2016
CONDOMINIUM ASSOCIATION FOR THE RESIDENCES AT PENTERRA PLAZA, INC. Condominium 2003
Copeland Canyon Condominiums Homeowners' Association, Inc. Condominium 2017
Cornerstone Condominiums Corp. Condominium 2024
COTTON RANCH HOMEOWNERS' ASSOCIATION Homeowners Association 1996
COUNTRY VILLAGE HOMEOWNERS ASSOCIATION Homeowners Association 1983
CourseSide Homeowners Association Homeowners Association 2006
COVENTRY HOMEOWNERS' ASSOCIATION Homeowners Association 1995
Creekside Village Homeowners Association, Inc. Homeowners Association 2023
Creekview Townhomes Owners Association Townhome Association 2006
CRYSTAL LAKES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1987
Dahlia Flats Condominium Association, Inc. Condominium 2007
Dancing Willows Condominium Association, Inc. Condominium 2005
Dancing Willows Patio Homeowners Association, Inc. Homeowners Association 2006
Dancing Willows Townhomes Homeowners Association, Inc. Townhome Association 2006
DEWEY STREET CONDOMINIUM ASSOCIATION, INC. Condominium 2022
Diamond Lofts Condominium Association, Inc. Condominium 2007
DOVER PROFESSIONAL BUILDING OWNERS ASSOCIATION, INC. Unclassified Entity 2003
E-63 COMPLEX WINDCHASER CONDOMINIUM ASSOCIATION, INC. Condominium 2003
Eagle Meadow Estates Homeowners Association, Inc. Homeowners Association 2007
EAGLEVAIL PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 1988
Eastend Townhomes Association Townhome Association 2008
EMPIRE WEST TOWNHOUSES INCORPORATED Townhome Association 2003
Estates on Gage Hill Homeowners Association, Inc. Homeowners Association 2018
ESTES SQUARE CONDOMINIUM ASSOCIATION, INC. Condominium 1978
EXECUTIVE 9 CLUB ESTATES AT MARSTON SLOPES HOMEOWNERS'ASSOCIATION, INC. Homeowners Association 1994
EXECUTIVE 9 CLUB ESTATES ON FAIRWAY 5 HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1998
FIRELIGHT AT HIGHLANDS RANCH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
FIRST AND HARLAN CARRIAGE HOMES CONDOMINIUM ASSOCIATION Condominium 1999
FIRST PARKVIEW HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1980
FIRST VILLA WEST TOWNHOUSE ASSOCIATION Townhome Association 1971
Founders Crossing Owners Association Unclassified Entity 2021
Fox Haven Patio Homeowners Association, Inc. Homeowners Association 2011
FRONTERRA VILLAGE FILING NO. 3 HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
GARDEN PARK HOMEOWNERS' ASSOCIATION Homeowners Association 1994
Garfield Residences Homeowners Association Homeowners Association 2011
GARRISON LAKES CONDOMINIUM ASSOCIATION, INC. Condominium 1983
GHOST RIVER RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2003
GLEN COVE CONDOMINIUMS Condominium 2005
GLEN ISLE OWNERS ASSOCIATION, INC. Unclassified Entity 1997
Globeville Townhomes Homeowner's Association, Inc. Townhome Association 2006
GOVERNOR'S MANOR CONDOMINIUM ASSOCIATION, INC. Condominium 1996
GREENBROOKE CONDOMINIUM OWNERS ASSOCIATION Condominium 1977
GREEN GABLES CONDOMINIUM ASSOCIATION Condominium 1981
Green Gables Estate Owners Association, Inc. Unclassified Entity 2017
Hadley House Condominium Association, Inc. Condominium 2017
HAMMERSMITH TOWNHOMES ASSOCIATION, INC. Townhome Association 1988
HARCOURT TOWNHOMES ASSOCIATION, INC. Townhome Association 2001
Harlan Pines Homeowners Association, Inc. Homeowners Association 2017
Harmony Duplex Owners Association Unclassified Entity 2021
Harmony Owners Association, Inc. Unclassified Entity 2007
Harmony Paired Homeowners Association, Inc. Homeowners Association 2024
HAUCK MEADOWS II HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2022
HERITAGE POINT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1985
HERITAGE VILLAGE OWNERS ASSOCIATION, INC. Unclassified Entity 1995
HIDEAWAY AT RAINBOW RIDGE CONDOMINIUM ASSOCIATION, INC. Condominium 1984
HIDEAWAY HEIGHTS II TOWNHOME ASSOCIATION, INC. Townhome Association 1996
HIGHLANDS AT VALLEJO HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1999
HIGHLANDS WEST CONDOMINIUMS HOMEOWNER'S ASSOCIATION, INC Condominium 2000
Highland Villas Homeowners Association, Inc. Homeowners Association 2017
HIGHLINE GLEN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
HIGHLINE MEADOWS CONDOMINIUM ASSOCIATION Condominium 1978
Highline One Owners Association, Inc. Unclassified Entity 2004
Hillcrest Terrace Community Association, Inc. Unclassified Entity 2025
HILLSBOROUGH AT WILLOW SPRINGS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
Hillside at Castle Rock Homeowners Association, Inc. Homeowners Association 2024
HILLSIDE AT STONY CREEK HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1998
HOMEOWNERS ASSOCIATION FOR SPRINGHILL Homeowners Association 1997
HOMEOWNERS ASSOCIATION OF HOMESTEAD FARM II Homeowners Association 1980
HOMESTEAD FARM HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1978
Horizon Village Homeowners Association, Inc. Homeowners Association 2024
IVY VILLA I TOWNHOMES ASSOCIATION, INC Townhome Association 2001
JASMINE STREET TOWNHOMES ASSOCIATION Townhome Association 1997
Jason Street Condominium Association, Inc. Condominium 2007
Jefferson Office Park Owners Association, Inc. Unclassified Entity 2010
Jefferson Park Place North Homeowner Association, Inc. Unclassified Entity 2015
Jefferson Park Place South Homeowner Association, Inc. Unclassified Entity 2015
JUNIPER RIDGE ESTATES LOT OWNERS ASSOCIATION Unclassified Entity 2003
Karl's Farm Homeowners Association, Inc. Homeowners Association 2020
Karl's Farm Townhomes Association, Inc. Townhome Association 2022
KIMBERLY SQUARE CONDOMINIUM ASSOCIATION Condominium 1965
KNOLLWOOD CONDOMINIUMS ASSOCIATION INC Condominium 2000
LA FONTANA CONDOMINIUM ASSOCIATION Condominium 1963
LAKECREST CONDOMINIUM ASSOCIATION Condominium 1997
LAKEWOOD ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1984
LAKEWOOD ESTATES PATIO HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1989
LANAI CONDOMINIUM ASSOCIATION, INC. Condominium 1974
LA PALOMA CONDOMINIUM ASSOCIATION, INC. Condominium 2001
LA PLATA CONDOMINIUM ASSOCIATION, INC. Condominium 2003
Lenwood Oaks at Dover Street Homeowners Association, Inc. Homeowners Association 2008
Linden Ridge Townhomes Owners Association Townhome Association 2007
LINVALE CONDOMINIUM PROJECT ASSOCIATION Condominium 1975
LoHi Townhomes Association, Inc. Townhome Association 2011
LORETTO HEIGHTS OWNERS ASSOCIATION, INC. Unclassified Entity 2001
LOUISIANA PURCHASE II HOMEOWNERS ASSOCIATION Homeowners Association 1999
Madison Court Homeowners Assc. Homeowners Association 2008
MANHATTAN BEACH HOME OWNERS ASSOCIATION Homeowners Association 1998
MAPLEWOOD CONDOMINIUMS, INC. Condominium 1986
MARSHALL PARK VILLAS CONDOMINIUM ASSOCIATION Condominium 1974
MARSTON COVE HOMEOWNER ASSOCIATION Unclassified Entity 1995
MARSTON SLOPES HOMEOWNERS' ASSOCIATION Homeowners Association 1979
Masters Ranch Property Owners Association, Inc. Property Owners Association 2006
MATCHPOINT TOWNHOME ASSOCIATION Townhome Association 1992
MCKAY LANDING COMMERCIAL CONDOMINIUMS ASSOCIATION INC. Condominium 2003
MEADOW CREEK CONDOMINIUM OWNERS ASSOCIATION Condominium 1978
MEADOW CREEK PROPERTY OWNERS ASSOCIATION Property Owners Association 1973
MEADOW CREEK TOWNHOUSE OWNERS ASSOCIATION Townhome Association 1973
Meridian International Business Center Home Owners Association Homeowners Association 2023
Millhaven Estates Owners Association, Inc. Unclassified Entity 2006
Miners Point Owners Association Unclassified Entity 2015
MINT ROAD HOMEOWNERS ASSOCIATION Homeowners Association 2001
MIRAMONTE PHASE II CONDOMINIUM ASSOCIATION, INC. Condominium 1978
MONROE PLACE TOWNHOMES ASSOCIATION Townhome Association 1994
MONTEVISTA CONDOMINIUMS AT TUSCANY ASSOCIATION, INC. Condominium 2002
MOUNTAIN RANGE SHADOWS HOMEOWNERS ASSOCIATION Homeowners Association 1976
Mountain Vista Estates Condominium Association, Inc Condominium 2005
MURRAY HEIGHTS TOWNHOMES ASSOCIATION Townhome Association 1982
Institutional Reference

Reserve study standards in Colorado

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

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

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

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

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

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

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

Roofing & Exterior

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

Mechanical

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

Site Work

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

Plumbing & Electrical

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

Amenities

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

Safety & Code

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

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

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

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

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

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

Meeting requirements in Colorado

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

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

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

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

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

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

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

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

Quorum

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

Proxies

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

Written consent

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

Ballots

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

Cumulative voting

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

Member in good standing

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

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

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

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

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

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