Maryland HOA & Condominium Law
14 active Maryland statutes govern homeowners associations and condominiums in the state. The corpus encodes 36 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Estoppel Disclosure Workflow
13 standard items
MD
CommunityPay has not verified a state-specific statutory resale certificate regime in Maryland. Disclosure follows a non-statutory estoppel workflow. The 13 items below reflect standard title company and lender expectations, not legal requirements specific to any particular association.
- Current periodic assessment amount and any unpaid or delinquent assessments
- Pending or approved special assessments
- Reserve fund balance and designated projects
- Most recent balance sheet and income/expense statement
- Current operating budget
- Insurance coverage provided for the benefit of owners
- Pending lawsuits, unsatisfied judgments, or threatened litigation
- Board composition, meeting frequency, and governance status
- Declaration, bylaws, and rules and regulations
- Capital expenditures approved or anticipated for current and next two fiscal years
- Transfer fees, move-in/move-out fees, or other charges upon sale
- Known violations of the governing documents or applicable codes
- Right of first refusal or other restraints on transfer
Maryland 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.
What Maryland Law Requires
Governance (11)
- Governs creation, governance, common element management, council powers, and unit owner rights. Md. Code, Real Prop. §11-101
- Establishes the regulatory framework for condominiums in Maryland. Md. Code, Real Prop. §11-101
- Separate from the HOA Act, which covers non-condominium community associations. Md. Code, Real Prop. §11-101
- Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Md. Code, Real Prop. §11B-101
- The association must hold at least one annual meeting. Md. Code, Real Prop. §11B-108
- Establishes requirements for meetings of lot owners, including annual meeting obligations, quorum, proxy voting, and special meeting procedures. Md. Code, Real Prop. §11B-108
- Board must act in good faith and in the best interests of the association. Md. Code, Real Prop. §11B-111
- Requires board meetings to be open to lot owners with advance notice. Md. Code, Real Prop. §11B-111
- Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Md. Code, Real Prop. §11B-111
- Establishes requirements for developer transition of control to the homeowners association. Md. Code, Real Prop. §11B-115
- Specifies timelines for turnover, developer warranties, financial obligations, and records that must be provided to the association upon transition. Md. Code, Real Prop. §11B-115
Financial (3)
- The study must include an inventory of components, estimated remaining useful life, estimated replacement cost, and recommended annual reserve contribution. Md. Code, Real Prop. §11-109.2
- The certificate must disclose unpaid assessments, capital expenditures, pending special assessments, insurance coverage, and reserve fund status. Md. Code, Real Prop. §11-135
- The packet must include governing documents, financial statements, budget, insurance information, pending assessments and fees, and any pending litigation. Md. Code, Real Prop. §11B-106
Assessment (2)
- Establishes assessment lien priority for condominiums. Md. Code, Real Prop. §11-110
- Establishes assessment lien authority for HOAs. Md. Code, Real Prop. §11B-117
Reserves (7)
- Required at least once every 5 years. Md. Code, Real Prop. §11-109.2
- Requires condominium councils to conduct a reserve study for major common element components. Md. Code, Real Prop. §11-109.2
- At least once every 5 years Md. Code, Real Prop. §11-109.2
- Maryland condo governing bodies must update the reserve study every 5 years. The cadence runs from the initial study, not from the most recent budget cycle. Md. Code, Real Prop. §11-109.4 (c)(3)
- Maryland condo reserve studies require a credentialed preparer — typically a CAI Reserve Specialist (RS), APRA Professional Reserve Analyst (PRA), Maryland-licensed architect, or Maryland-licensed professional engineer. Practitioner experience floor: 30 reserve studies in the prior 3 years. Md. Code, Real Prop. §11-109.4 (e)(1)
- Two HOA-specific filters narrow §11B-112.3 coverage: declaration responsibility for common-area maintenance, and an aggregate $10,000 component-cost floor. Bond-financed HOAs are exempt. Md. Code, Real Prop. §11B-112.3 (b)
- Maryland HOA governing bodies must update the reserve study every 5 years — parallel to the condo statute. The cadence runs from the initial study, not from the most recent budget cycle. Md. Code, Real Prop. §11B-112.3 (c)(3)
Disclosure (5)
- Establishes delivery timeline and buyer cancellation rights. Md. Code, Real Prop. §11-135
- Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. Md. Code, Real Prop. §11-135
- Establishes the regulatory framework for community governance, disclosure, and owner rights in non-condominium common interest communities. Md. Code, Real Prop. §11B-101
- Requires delivery of a disclosure packet upon resale of a lot in an HOA. Md. Code, Real Prop. §11B-106
- Establishes buyer rights and association obligations for timely delivery of the disclosure package. Md. Code, Real Prop. §11B-106
Enforcement (3)
- The lien has priority over all liens except tax liens and first mortgages or deeds of trust recorded before the assessment became delinquent. Md. Code, Real Prop. §11-110
- Maryland permits both judicial and non-judicial foreclosure of assessment liens, though judicial is more common. Md. Code, Real Prop. §11B-117
- The lien arises when assessments become due and has priority over subsequently recorded liens. Md. Code, Real Prop. §11B-117
Compliance (5)
- Establishes regulatory requirements for community association managers in Maryland, including registration and disclosure obligations. Md. Code, Real Prop. §11B-101.1
- Maryland requires CAM registration with the state. Md. Code, Real Prop. §11B-101.1
- Maryland requires community association manager registration Md. Code, Real Prop. §11B-101.1
- Limits the authority of HOAs and condominium associations to restrict solar panel installation on individually owned property. Md. Code, Real Prop. §2-119
- Protects the right of property owners to install solar energy collection devices. Md. Code, Real Prop. §2-119
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Assessment Collection
6
Reserve Requirements
4
Enforcement and Fines
2
Foreclosure and Liens
2
Governance Documents
2
Meetings and Notice
2
Resale Disclosure
2
Architectural Review
1
Developer Transition
1
Elections and Voting
1
Fiduciary Duty
1
Insurance Requirements
1
Management Company Regulation
1
Solar & Sustainability Rights
1
Each chip links to the Maryland statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
All Maryland authorities →
Maryland Condominium Act — Definitions and Scope
Establishes the regulatory framework for condominiums in Maryland. Governs creation, governance, common element management, council powers, and unit owner rights. Separate from the HOA Act, which covers non-condominium community associations.
Maryland Condominium Act — Reserve Study
Requires condominium councils to conduct a reserve study for major common element components. The study must include an inventory of components, estimated remaining useful life, estimated replacement cost, and recommended annual reserve contribution. Required at least once every 5 years.
Maryland Condominium Act — Reserve Study
Maryland Condominium Act reserve-study mandate for residential condominiums. The governing body must obtain an independent reserve study and then an updated reserve study within 5 years of the initial study and at least every 5 years thereafter (§11-109.4(c)(3)). The study must be prepared by a qualified person — a reserve specialist with at least 30 studies in the prior 3 years, a Maryland-licensed architect or professional engineer, or a CAI Reserve Specialist / APRA professional reserve analyst (§11-109.4(e)(1)). Required to be reviewed by the governing body with each annual budget and summarized for submission with the budget to unit owners (§11-109.4(e)(3)-(4)).
Maryland Condominium Act — Lien for Assessments
Establishes assessment lien priority for condominiums. The lien has priority over all liens except tax liens and first mortgages or deeds of trust recorded before the assessment became delinquent.
Maryland Condominium Act — Resale Certificate
Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. The certificate must disclose unpaid assessments, capital expenditures, pending special assessments, insurance coverage, and reserve fund status. Establishes delivery timeline and buyer cancellation rights.
Maryland Homeowners Association Act — Definitions
Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Establishes the regulatory framework for community governance, disclosure, and owner rights in non-condominium common interest communities.
Maryland HOA Act — Community Association Manager Requirements
Establishes regulatory requirements for community association managers in Maryland, including registration and disclosure obligations. Maryland requires CAM registration with the state.
Maryland HOA Act — Resale Disclosure
Requires delivery of a disclosure packet upon resale of a lot in an HOA. The packet must include governing documents, financial statements, budget, insurance information, pending assessments and fees, and any pending litigation. Establishes buyer rights and association obligations for timely delivery of the disclosure package.
Maryland HOA Act — Meetings of Lot Owners
Establishes requirements for meetings of lot owners, including annual meeting obligations, quorum, proxy voting, and special meeting procedures. The association must hold at least one annual meeting.
Maryland HOA Act — Powers and Duties of Governing Body
Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Requires board meetings to be open to lot owners with advance notice. Board must act in good faith and in the best interests of the association.
Maryland HOA Act — Reserve Study
Maryland Homeowners Association Act reserve-study mandate. Parallels the condo statute (§11-109.4). The governing body must obtain an independent reserve study and an updated reserve study within 5 years of the initial study and at least every 5 years thereafter (§11B-112.3(c)(3)). Applies only when the HOA has declaration responsibility for maintaining common areas and total repair/replacement costs for tracked components are at least $10,000 (§11B-112.3(b)). Does not apply to associations that issue bonds for capital expenditures.
Maryland HOA Act — Developer Obligations and Transition
Establishes requirements for developer transition of control to the homeowners association. Specifies timelines for turnover, developer warranties, financial obligations, and records that must be provided to the association upon transition.
Maryland HOA Act — Lien for Assessments
Establishes assessment lien authority for HOAs. The lien arises when assessments become due and has priority over subsequently recorded liens. Maryland permits both judicial and non-judicial foreclosure of assessment liens, though judicial is more common.
Solar Energy Collection Devices
Protects the right of property owners to install solar energy collection devices. Limits the authority of HOAs and condominium associations to restrict solar panel installation on individually owned property.
Source: Maryland state legislature. Statutes verified by CommunityPay.
Pending & Recent Maryland HOA Legislation
Requiring the seller in a certain retail contract to provide notice of certain changes in mandatory fees and payments and other required disclosures; and altering certain fees a council of unit owners or a homeowners …
Last action: Apr 13, 2026
Last action: May 26, 2026
Last action: Mar 25, 2026
Last action: Feb 18, 2026
Last action: Feb 9, 2026
Last action: Feb 16, 2026
Last action: Feb 12, 2026
Last action: Mar 25, 2026
25 HOA-relevant bills tracked for Maryland · refreshed Oct 3, 2026 · Source: LegiScan
Frequently Asked Questions — Maryland HOA Law
How long does a Maryland HOA have to deliver a resale certificate?
Under Md. Code, Real Prop. §11B-106, a Maryland association must deliver the resale certificate within 20 calendar days of a written request from the unit owner, prospective purchaser, or their representative. Missing the deadline carries statutory consequences — including, in many states, release of the buyer from any unpaid amounts the seller owed at the time of the request.
Source: Md. Code, Real Prop. §11B-106
How often must a Maryland HOA conduct a reserve study?
Under Md. Code, Real Prop. §11-109.4, Maryland associations are required to commission a reserve study at intervals of approximately 5 years to identify the remaining useful life and replacement cost of major common-element components and to recommend a reserve funding plan. The study supports the annual reserve disclosure to owners and the reserve summary required in the resale certificate.
Source: Md. Code, Real Prop. §11-109.4
Answers derived from the Maryland legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.
Maryland HOA Fee Benchmark
$303
Avg Median Monthly Fee
$146 – $574
County Range
131033
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 24 counties with data.
Communities by City
Baltimore
13
Columbia
3
Bowie
2
Gaithersburg
2
Kensington
2
Millersville
2
Annapolis
1
Arnold
1
Boonsboro
1
Brandywine
1
California
1
Catonsville
1
Chestertown
1
Clarksville
1
Darnestown
1
Edgewater
1
Ellicott City
1
Germantown
1
Kingsville
1
Lanham
1
Largo
1
Laurel
1
Mayo
1
Middle River
1
Reisterstown
1
Severn
1
Silver Spring
1
Timonium
1
Walkersville
1
Free download · Email gated
Download the Maryland HOA & Condo Compliance Checklist
One PDF — every active Maryland 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
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Maryland Secretary of State public registrations. Legal corpus maintained by CommunityPay's editorial team and traced to primary statute snapshots.
United States Payments and Accounting Governance Infrastructure for Community Associations