HOAs & Condos in Westminster, CO

636 registered communities in Westminster across Adams County and 1 adjacent county. Mix: 316 homeowners association, 127 unclassified entity, 116 condominium, 72 townhome association, 5 property owners association. Median monthly HOA/condo fee in the county is $312.

Resale Certificate Compliance 12 disclosures required
CO
A common interest community in Westminster, 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.
519,291
County Population
Relatively Moderate
FEMA Risk Rating
$312
Median Monthly HOA Fee
$250 – $366
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 10,236 units.
Hail
Very High
$44,493,445/yr expected loss
Winter Weather
Very High
$1,399,009/yr expected loss
Cold Wave
Relatively High
$21,396,301/yr expected loss
Lightning
Very High
$3,076,724/yr expected loss
Tornado
Relatively High
$12,629,511/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.
Msi, LLC Verified
424 community engagements · manages 426 associations nationally
Homestead Management Corporation Verified
79 community engagements · manages 96 associations nationally
Keystone Pacific Property Management, LLC Verified
55 community engagements · manages 135 associations nationally
Rowcal Management Co, LLC Verified
2 community engagements · manages 222 associations nationally
Elevate Real Estate Services Inc. Verified
1 community engagement · manages 6 associations nationally
Colorado Asset Advisors, LLC Verified
1 community engagement · manages 6 associations nationally
Kellison, LLC Verified
1 community engagement · manages 52 associations nationally
Community Financials, Inc. Verified
1 community engagement · manages 16 associations nationally
98 And 3/4 Percent, LLC Verified
1 community engagement · manages 25 associations nationally
"Verified" indicates a confirmed engagement with a community in Westminster. HQ-only entries are companies headquartered in Westminster with potential service area overlap.
636 Westminster 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
119 WEST MAPLE CONDOMINIUM HOMEOWNER'S ASSOCIATION, INC. Condominium 1999
1435 Elizabeth Street Condominium Association, Inc. Condominium 2004
24th Street Homeowners Association, Inc. Homeowners Association 2006
92H Condominium Association Condominium 2012
92nd Avenue Townhomes Homeowners Association, Inc. Townhome Association 2025
Allison Street Townhome Bungalows Association Townhome Association 2019
ALOHA BEACH COMMUNITY ASSOCIATION, INC. Unclassified Entity 1996
ANNA'S FARM HOMEOWNERS' ASSOCIATION Homeowners Association 2004
APPLE VALLEY NORTH CONDOMINIUM ASSOCIATION Condominium 1990
ARAPAHOE FARM TOWNHOMES HOMEOWNERS ASSOCIATION, INC. Townhome Association 1994
ARBOR ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 1993
ARBOR GREEN TOWNHOMES ASSOCIATION Townhome Association 1972
ARBOR POINTE CONDOMINIUM ASSOCIATION, INC. Condominium 1983
ARROWHEAD FILING #1 HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1990
ARROWSWEST OWNERS ASSOCIATION Unclassified Entity 1986
ARVADA RAINBOW RIDGE HOMEOWNERS' ASSOCIATION Homeowners Association 2002
ASBURY ACRES HOMEOWNERS ASSOCIATION INC Homeowners Association 2025
ASBURY PARK OWNERS ASSOCIATION, INC. Unclassified Entity 1995
ASH GROVE TOWNHOMES ASSOCIATION, INC. Townhome Association 2004
Ash Meadows Townhomes Association, Inc. Townhome Association 2006
ASPEN CREEK ESTATES OWNERS ASSOCIATION, INC. Unclassified Entity 2001
Aspenwood Flats Homeowners Association, Inc. Homeowners Association 2005
AUBURN HILLS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
AURORA CROSS CREEK OWNERS ASSOCIATION, INC. Unclassified Entity 2004
AUTUMN CREEK CONDOMINIUM ASSOCIATION Condominium 2000
Avalon at Inverness Condominium Association, Inc. Condominium 2009
Avion at Denver Connection Townhome Association, Inc. Townhome Association 2017
BALSAM MEADOWS CONDOMINIUM ASSOCIATION, INC. Condominium 2004
Baseline Lakes Home Owners Association, Inc. Homeowners Association 2012
Bear Creek Meadows Homeowners Association, Inc. Homeowners Association 2011
Bear Creek Meadows South Homeowners Association, Inc. Homeowners Association 2012
BEAR CREEK VILLAGE FAIRWAYS OWNERS ASSOCIATION Unclassified Entity 2009
BELLE CREEK TOWNHOME ASSOCIATION, INC. Townhome Association 2002
Bennett Village Community Association, Inc. Unclassified Entity 2023
BIRCH VALLEY HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2013
Birdwhistle Townhomes Homeowners Association, Inc. Townhome Association 2024
BLACK FOREST RESERVE HOMEOWNERS ASSOCIATION Homeowners Association 2002
BLUE LAKE HOMEOWNERS ASSOCIATION INC. Homeowners Association 2019
Bluffmont Estates Condominium Association, Inc. Condominium 2005
Boulder Creek Centerra Lifestyle Community Association, Inc. Unclassified Entity 2014
BOULDER TOWNHOUSE CORP. Townhome Association 1966
Boulevard One Community Association, Inc. Unclassified Entity 2014
BOULEVARD ONE TOWNHOMES AT LOWRY OWNERS ASSOCIATION, INC. Townhome Association 2019
BOX ELDER CREEK RANCH HOMEOWNERS ASSOCIATION Homeowners Association 2001
Boyd Ponds Condominium Association, Inc. Condominium 2008
BRANDYCHASE EAST CONDOMINIUM ASSOCIATION, INC. Condominium 1980
Brantner Village Homeowners Association, Inc. Homeowners Association 2014
BRIARGATE CROSSING COMMERCIAL OWNERS ASSOCIATION, INC. Unclassified Entity 2005
BRIAR HEIGHTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1986
Brickop Pecos Flats Condominium Association, Inc. Condominium 2006
Brighton East Farms Filing No. 3 Homeowners Association, Inc. Homeowners Association 2018
BRIGHTON EAST FARMS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
BRIGHTON EAST FARMS MULTIFAMILY COMMUNITY ASSOCIATION, INC. Unclassified Entity 2003
BRISTLECONE AT TALLGRASS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2005
BRITTANY OAKS HOMEOWNER'S ASSOCIATION INC. Unclassified Entity 1980
BRITTANY RIDGE SOUTH OWNERS ASSOCIATION, INC. Unclassified Entity 2003
BRITTANY RIDGE TOWNHOME ASSOCIATION, INC. Townhome Association 1996
BRITTANY TERRACE CONDOMINIUM ASSOCIATION, INC. Condominium 1986
Broadmoor Office Condominium Association Condominium 2005
Broomfield Office Plaza Condominium Association, Inc. Condominium 2021
Buffalo Highlands Homeowners Association, Inc. Homeowners Association 2019
Calmante Owners Association, Inc. Unclassified Entity 2009
CAMERON AT THE LAKE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
Candelas Townhomes Association, Inc. Townhome Association 2018
Candlelight Crest Homeowners, Inc. Homeowners Association 2015
CANYON CREEK SOUTH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
CANYON CREEK SOUTH II HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
Carr Estates Owners Association, Inc. Unclassified Entity 2019
CARRIAGE ROW HOMEOWNERS ASSOCIATION Homeowners Association 1996
CARRIAGE VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1997
CASA DEL ELDORADO CONDOMINIUM HOMEOWNERS' ASSOCIATION Condominium 1982
Castle Pines Summit Homeowners Association Homeowners Association 2020
CEDAR BRIDGE CONDOMINIUM ASSOCIATION Condominium 2001
CEDAR BRIDGE OWNERS ASSOCIATION Unclassified Entity 1984
CEDAR HEIGHTS COMMUNITY ASSOCIATION, INC. Unclassified Entity 1993
CEDAR MEADOWS CONDOMINIUM ASSOCIATION Condominium 1982
CENTENNIAL RESIDENTIAL OWNERS ASSOCIATION Unclassified Entity 2005
CENTERRA RESIDENTIAL COMMUNITY ASSOCIATION, INC. Unclassified Entity 2001
Central Park Community Association, Inc. Unclassified Entity 2012
CENTRAL PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1986
Central Park Rows at Conservatory Green Community Association Unclassified Entity 2013
CHAMBERS INDUSTRIAL CENTER CONDOMINIUM ASSOCIATION, INC Condominium 1994
CHATFIELD BLUFFS NORTH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
CHATFIELD BLUFFS SOUTH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
CHATFIELD FARMS FILING NO. 1-A HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2002
Chatfield Farms Filing No. 1-B Homeowners' Association, Inc. Homeowners Association 2004
CHERRY CREEK VISTA FILING NO. 15, BLOCKS 7, 8 AND 9,HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1991
CHERRY HILLS FARM WEST COMMUNITY ASSOCIATION, INC. Unclassified Entity 1985
CHERRY HILLS PARK HOMEOWNERS ASSOCIATION Homeowners Association 1997
Cherrylane Homeowners Association, Inc. Homeowners Association 2016
CHERRYWOOD PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
CHERRYWOOD PARK II HOMEOWNERS ASSOCIATION Homeowners Association 2001
CHERRYWOOD PARK III HOMEOWNERS ASSOCIATION Homeowners Association 2000
Cherrywood Park Townhomes Association, Inc. Townhome Association 2016
Church Ranch Owners Association Unclassified Entity 2019
Cityhomes at Lincoln Park North - Homeowners Association, Inc. Homeowners Association 2018
Cityscapes at the Views Homeowners Association, Inc. Homeowners Association 2017
Clay\28th Condominium Association, Inc. Condominium 2013
CLUB CREST CONDOMINIUM ASSOCIATION, INC. Condominium 1981
Collective, Lot 2, Intermediate Condominiums Association, Inc. Condominium 2019
COLLEGE HILLS FILING 8 CONDOMINIUM ASSOCIATION, INC. Condominium 2000
COLLEGE HILLS FILING 8 SFD OWNERS ASSOCIATION, INC. Unclassified Entity 1999
COLUMBINE LAKES TOWNHOUSE ASSOCIATION Townhome Association 1975
COMMODORE PLACE CONDOMINIUM ASSOCIATION, INC. Condominium 1998
COMMUNITY AT SPRING CREEK OWNERS ASSOCIATION, INC. Unclassified Entity 2002
CONCORD SQUARE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1979
CONDOMINIUMS AT THE BOULDERS ASSOCIATION Condominium 2002
CONSOLIDATED HERITAGE COURT CONDOMINIUM ASSOCIATION, INC. Condominium 2002
Copperleaf Filing No. 12 Homeowners Association, Inc. Homeowners Association 2017
Copperleaf Filing No. 18 Paired Homeowners Association, Inc. Homeowners Association 2019
CORBIN MANOR CONDOMINIUM ASSOCIATION, INC. Condominium 1984
Cordera Community Association, Inc. Unclassified Entity 2005
Cornerstone River Valley Village Homeowners Association, Inc. Homeowners Association 2016
Cottonwood Creek Townhome Association Townhome Association 1983
Cottonwood Greens Townhomes Owners Association, Inc. Townhome Association 2025
COTTONWOOD MEADOWS LOVELAND HOMEOWNERS' ASSOCIATION Homeowners Association 1996
COUNTRY ROAD TOWNHOMES ASSOCIATION, INC. Townhome Association 1974
COURTSIDE AT CEDAR BRIDGE HOMEOWNERS' ASSOCIATION Homeowners Association 2003
CREEK SIDE AT PARKER HOMEOWNERS ASSOCIATION Homeowners Association 2003
CREEKSIDE IN ERIE HOMEOWNERS ASSOCIATION INC. Homeowners Association 2004
Crescent Ridge Townhomes at Lowry Association Townhome Association 2005
C. RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
CROFTON PARK COTTAGE OWNERS ASSOCIATION, INC. Unclassified Entity 2001
CROFTON PARK MASTER OWNERS ASSOCIATION, INC. Unclassified Entity 2001
CROFTON PARK TOWNHOME ASSOCIATION, INC. Townhome Association 2001
CTC I OWNERS ASSOCIATION, INC. Unclassified Entity 1998
CUB CREEK RANCH HOMEOWNERS ASSOCIATION Homeowners Association 2002
Cuchares Ranch Homeowners Association, Inc. Homeowners Association 2009
Cyan Park Condominium Owners Association, Inc. Condominium 2019
CYPRESS RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
DEER RUN HOMEOWNERS ASSOCIATION Homeowners Association 1983
Denio West Lifestyle Community Association Unclassified Entity 2017
DIAMOND RIDGE ESTATES HOMEOWNERS' ASSOCIATION Homeowners Association 1996
Dove Village Homeowners Association, Inc. Homeowners Association 2016
Dove Village Paired Community Association, Inc. Unclassified Entity 2022
EAGLE SHADOW OWNERS ASSOCIATION, INC. Unclassified Entity 2001
EAGLE VILLAGE CONDOMINIUM ASSOCIATION Condominium 2002
East Bay Townhomes Homeowners Association, Inc. Townhome Association 2013
East Creek Community Association, Inc. Unclassified Entity 2025
EASTLAKE ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
EASTLAKE VILLAGE TOWNHOMES ASSOCIATION, INC. #1 Townhome Association 1992
EAST MEADOWDALE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1987
EAST NINTH CONDOMINIUM ASSOCIATION, INC. Condominium 1996
Eastpoint Homeowners Association, Inc. Homeowners Association 2018
EAST QUINCY HIGHLANDS III HOMEOWNERS ASSOCIATION Homeowners Association 2004
Eastside Landing Homeowners Association Homeowners Association 2017
Eastview Estates Homeowners Association, Inc. Homeowners Association 2005
EDELWEISS CONDOMINIUM OWNERS ASSOCIATIONOF DURANGO, INC. Condominium 2002
ELMS COMMUNITY ASSOCIATION Unclassified Entity 1999
Encore at Somerset Meadows Homeowners Association, Inc. Homeowners Association 2014
ERINDALE PLACE TOWNHOME ASSOCIATION Townhome Association 1992
ESPERANZA HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
EVAN'S PLACE HOMEOWNERS ASSOCIATION INC. Homeowners Association 2019
Fairfield Homeowners Association, Inc. Homeowners Association 2017
FAIRWAY GARDENS TOWNHOMES OWNERS' ASSOCIATION Townhome Association 1998
FAIRWAY RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
FAIRWAYS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1980
FALCON HILLS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1984
FARMINGTON HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
Farmstead II Owners Association, Inc. Unclassified Entity 2025
FIELDSTONE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
FIRST AVENUE TOWNHOMES AT LOWRY HOMEOWNERS ASSOCIATION Townhome Association 2004
FIRST CREEK OWNERS ASSOCIATION, INC. Unclassified Entity 2002
FLINTLOCK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1990
Fluid Condominium at Northridge at Park Centre Association, Inc. Condominium 2018
FOREST SPRINGS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
FOSSIL LAKE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
FOX HAVEN HOMEOWNERS ASSOCIATION Homeowners Association 1995
FOX RUN OWNERS ASSOCIATION, INC. Unclassified Entity 1996
Foxtrail Office Condominium Association Condominium 2006
FRANKLIN SQUARE HOMEOWNER'S ASSOCIATION Unclassified Entity 1983
Gateway Station Condominium Owners Association, Inc. Condominium 2006
GENESEE VILLAGE HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 1980
GG RANCHES COMMUNITY ASSOCIATION, INC. Unclassified Entity 2023
Glasco Park at Wyndham Hill Homeowners Association, Inc. Homeowners Association 2017
GLENROCK PLACE HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 1995
GOLD CAMP II CONDOMINIUM CORP. Condominium 1971
GOVERNOR'S ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1993
GOVERNOR'S PLACE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1994
GOVERNOR'S RANCH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1979
Grand Peak Townhomes Association, Inc. Townhome Association 2005
Green Gables Owners Association, Inc. Unclassified Entity 2014
GREEN MOUNTAIN SUMMIT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1993
Green Mountain Terrace Homeowners Association, Inc. Homeowners Association 2017
GREENS AT WOODSTREAM VILLAGE HOMEOWNERS ASSOCIATIO Homeowners Association 1981
GREENWICH VILLAGE CONDOMINIUMS HOMEOWNER'S ASSOCIATION, INC. Condominium 1998
Guilford Estates Homeowners Association, Inc. Homeowners Association 2021
HAMPSTEAD AT LOWRY HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
HARMONY RIDGE ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 1999
HARVARD PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1999
HARVEST GOLD VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
HARVEST MASTER HOMEOWNERS ASSOCIATION Homeowners Association 2001
Harvest Ridge Community Association, Inc. Unclassified Entity 2023
HASKIN PARK OWNERS ASSOCIATION, INC. Unclassified Entity 2004
HAVEN AT CUMBRE VISTA HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2008
Heirloom Homeowners Association, Inc. Homeowners Association 2012
Heritage at Vista Ridge Owners Association, Inc. Unclassified Entity 2006
HERITAGE GREENS AT LEGACY RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1997
HIDDEN CREEK NORTH HOMEOWNERS ASSOCIATION INC. Homeowners Association 2021
HIDDEN RIVER II HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1996
Institutional Reference

Reserve study standards in Colorado

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

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

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

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

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

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

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

Roofing & Exterior

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

Mechanical

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

Site Work

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

Plumbing & Electrical

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

Amenities

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

Safety & Code

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

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

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

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

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

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

Meeting requirements in Colorado

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

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

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

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

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

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

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

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

Quorum

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

Proxies

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

Written consent

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

Ballots

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

Cumulative voting

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

Member in good standing

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

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

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

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

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

Related tools
Free download · Email gated

Download the Colorado HOA & Condo Compliance Checklist

One PDF — every active Colorado statute we track, statutory fee caps and time limits, recent legal changes from the last 12 months, and the resale-certificate disclosure profile. Built from CommunityPay's living legal corpus, the same data that drives our resale certificates, reserve reports, and CARI scoring.

  • Statutory fee caps and time limits (resale, late fees, lien priority)
  • Recent law changes with effective dates
  • Resale & estoppel disclosure profile, item by item
Email me the PDF
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Colorado Secretary of State public registrations, FEMA National Risk Index, U.S. Census Bureau, and CommunityPay's management company graph.
United States Payments and Accounting Governance Infrastructure for Community Associations
Login