Minnesota HOA & Condominium Law

17 active Minnesota statutes govern homeowners associations and condominiums in the state. The corpus encodes 65 specific requirements across governance, finance, reserves, disclosure, and enforcement.

55 registered communities across 44 cities.

Resale Certificate Compliance 13 disclosures required

Every common interest community in Minnesota is governed by Minn. Stat. §515B.4-107 (MN Common Interest Community Resale Certificate (MCIOA §515B.4-107)). Minnesota law requires 13 specific disclosures when a unit is sold. The certificate must be delivered within 10 days of request.

Rights of first refusal or other restraints on free alienability Minn. Stat. §515B.4-107(b)(1)
Periodic common expense assessments and special assessments Minn. Stat. §515B.4-107(b)(2)
Additional fees or charges other than assessments Minn. Stat. §515B.4-107(b)(3)
Extraordinary expenditures approved but not yet assessed (current and two succeeding fiscal years) Minn. Stat. §515B.4-107(b)(4)
Amount of reserves for capital expenditures and portions designated for specific projects Minn. Stat. §515B.4-107(b)(5)
Most recent regularly prepared balance sheet and income/expense statement Minn. Stat. §515B.4-107(b)(6)
Current operating budget Minn. Stat. §515B.4-107(b)(6)
Unsatisfied judgments against the association Minn. Stat. §515B.4-107(b)(7)
Pending lawsuits to which the association is a party Minn. Stat. §515B.4-107(b)(8)
Insurance coverage provided by the association Minn. Stat. §515B.4-107(b)(9)
Board-notified alterations or improvements violating the declaration Minn. Stat. §515B.4-107(b)(10)
Remaining term of any leasehold estate Minn. Stat. §515B.4-107(b)(11)
Matters affecting occupancy or use of the unit Minn. Stat. §515B.4-107(b)(12)

Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate. Under Minn. Stat. §515B.4-107, the fee must reflect actual cost — preparation, procurement, reproduction, and delivery — itemized, with no padding permitted. With CommunityPay, the board issues the certificate directly from live ledger data, so the actual cost is near zero. Residents typically save $250–$400 per closing.

What Minnesota Law Requires

Governance (23)

Chapter 515B.1-102 makes certain 515B provisions retroactive to these condominiums. Minn. Stat. §515.01
Still operative for condominiums created before Chapter 515A took effect. Minn. Stat. §515.01
The original Minnesota Condominium Act (29 sections, 515.01-515.29). Minn. Stat. §515.01
The Uniform Condominium Act as adopted in Minnesota. Minn. Stat. §515A.1-101
Governs condominiums created after 515A but before 515B (June 1, 1994). Minn. Stat. §515A.1-101
Chapter 515B.1-102 makes certain 515B provisions retroactive. Minn. Stat. §515A.1-101
Communities may voluntarily opt into full 515B coverage. Minn. Stat. §515B.1-102
For pre-1994 condominiums governed by Ch. Minn. Stat. §515B.1-102
Defines the applicability of Chapter 515B (MCIOA) to all common interest communities created in Minnesota on or after June 1, 1994. Minn. Stat. §515B.1-102
Enumerates broad association powers including rulemaking, assessment levying, hiring/discharging management, litigation, property acquisition, easement granting, imposing interest/late charges, and imposing reasonable fines for violations. Minn. Stat. §515B.3-102
Declarant control terminates at the earliest of: 5 years after first unit conveyance (flexible communities) or 3 years (other communities), declarant's written notice, or 75% of units conveyed to non-declarant owners. Minn. Stat. §515B.3-103
Establishes board authority, fiduciary duty standards, declarant control period, transition requirements, and open meeting requirements. Minn. Stat. §515B.3-103
Declarant-appointed directors owe fiduciary duties to unit owners; elected directors owe the standard of care under Minnesota corporate law. Minn. Stat. §515B.3-103
Requires separate recorded instrument. Minn. Stat. §515B.3-104
Governs voluntary and involuntary transfer of special declarant rights. Minn. Stat. §515B.3-104
Not less than twenty-one days nor more than thirty days in advance Minn. Stat. §515B.3-108
Meeting notice requirements for all common interest communities. Minn. Stat. §515B.3-108
Annual meetings require not less than 21 nor more than 30 days advance notice. Minn. Stat. §515B.3-108
Special meetings require not less than 7 nor more than 30 days notice. Minn. Stat. §515B.3-108
Special meetings may be called by petition of 20% of unit owners. Minn. Stat. §515B.3-108
Not less than seven days nor more than thirty days in advance Minn. Stat. §515B.3-108
Unit owners holding at least twenty percent of the voting power Minn. Stat. §515B.3-108
Insurers must provide 60-day cancellation notice. Minn. Stat. §515B.3-113

Financial (5)

Reasonable restrictions allowed if they do not reduce energy generation by more than 10% or increase costs beyond 20% for water heaters or $1,000 for photovoltaic systems. Minn. Stat. §500.216
The lien includes fees, charges, late charges, fines, and interest. Minn. Stat. §515B.3-116
Copy fee: actual costs, or for requests of 100 pages or fewer (B&W, standard size), no more than $0.25 per page. Minn. Stat. §515B.3-118
The association may charge a reasonable fee for furnishing the certificate Minn. Stat. §515B.4-107
$5,000 penalty plus damages for noncompliant declarant disclosure. Minn. Stat. §515B.4-116

Assessment (4)

May be foreclosed in like manner as a mortgage under chapter 580 or by action under chapter 581 Minn. Stat. §515B.3-116
Assessments based on the periodic budget adopted by the association which would have become due during the six months immediately preceding the end of the owner's period of redemption Minn. Stat. §515B.3-116
Establishes the association's automatic lien on units when assessments become due. Minn. Stat. §515B.3-116
Proceedings to enforce an assessment lien shall be instituted within three years after the last installment of the assessment becomes payable Minn. Stat. §515B.3-116

Reserves (10)

Must be provided to all unit owners in paper, electronic copy, or electronic access. Minn. Stat. §515B.3-107
Requires the board to prepare and approve a written preventive maintenance plan, maintenance schedule, and maintenance budget for common elements. Minn. Stat. §515B.3-107
Existing communities had until January 1, 2019 to comply. Minn. Stat. §515B.3-107
Requires adequate reserve funds in the annual budget but contains simpler language without the 3-year reevaluation mandate of §515B.3-1141. Minn. Stat. §515B.3-114
Pre-2010 version of the reserve requirements. Minn. Stat. §515B.3-114
Reserves must be maintained in accounts separate from operating funds. Minn. Stat. §515B.3-1141
Reserves not required for components with remaining useful life exceeding 30 years. Minn. Stat. §515B.3-1141
Reevaluated at least every three years after the declaration is recorded Minn. Stat. §515B.3-1141
Adequacy must be reevaluated at least every 3 years. Minn. Stat. §515B.3-1141
Requires associations to include adequate replacement reserves in annual budgets based on estimated remaining useful life of each component. Minn. Stat. §515B.3-1141

Disclosure (8)

515 or 515A, certain 515B sections apply retroactively (governance, assessments, insurance, disclosure). Minn. Stat. §515B.1-102
Transferor remains liable for pre-transfer obligations. Minn. Stat. §515B.3-104
The certificate must be dated not more than 90 days prior to the purchase agreement or conveyance date. Minn. Stat. §515B.4-107
Requires unit owners (except declarants) to furnish purchasers with governing documents and a resale disclosure certificate containing 13 specified categories before executing a purchase agreement. Minn. Stat. §515B.4-107
The association must furnish the certificate within 10 days of request. Minn. Stat. §515B.4-107
Applies to all common interest communities regardless of creation date. Minn. Stat. §515B.4-107
The association, within ten days after a request by a unit owner, shall furnish a certificate Minn. Stat. §515B.4-107
Dated not more than ninety days prior to the date of the purchase agreement or conveyance date Minn. Stat. §515B.4-107

Records (2)

Requires associations to maintain membership records, meeting minutes, contracts, correspondence, and financial records. Minn. Stat. §515B.3-118
Unit owners have examination rights. Minn. Stat. §515B.3-118

Enforcement (2)

Lien is enforceable through judicial or nonjudicial foreclosure. Minn. Stat. §515B.3-116
Following first mortgage foreclosure, the association retains a lien for assessments that became due during the six months immediately preceding the end of the owner's redemption period (super-priority). Minn. Stat. §515B.3-116

Insurance (2)

Requires associations to maintain property insurance on common elements at full insurable replacement cost (broad form covered causes of loss) and commercial general liability insurance. Minn. Stat. §515B.3-113
Association insurance is primary over individual unit owner policies. Minn. Stat. §515B.3-113

Compliance (9)

Prohibits HOAs and private entities from barring owners of single-family dwellings from installing roof-mounted solar energy systems. Minn. Stat. §500.216
Does not apply to shared-roof condominiums. Minn. Stat. §500.216
60-day approval timeline. Minn. Stat. §500.216
Mandatory mediation before construction defect litigation involving common interest communities. Minn. Stat. §515B.4-116
Tolling from written mediation demand until 5 business days after mediation or 180 days, whichever is later. Minn. Stat. §515B.4-116
Discovery in years 9-10 extends the deadline but not beyond 12 years total. Minn. Stat. §541.051
Two-year statute of limitations from discovery of the cause of action. Minn. Stat. §541.051
Contribution/indemnity claims limited to 14 years. Minn. Stat. §541.051
Ten-year statute of repose after substantial completion of construction. Minn. Stat. §541.051

Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.

Topic Coverage

Enforcement and Fines 4 Governance Documents 4 Assessment Collection 3 Reserve Requirements 3 Construction Defect 2 Developer Transition 2 Foreclosure and Liens 2 Meetings and Notice 2 Architectural Review 1 Dispute Resolution 1 Fiduciary Duty 1 Insurance Requirements 1 Records Access and Inspection 1 Resale Disclosure 1 Solar & Sustainability Rights 1

Each chip links to the Minnesota statutes addressing that topic. Counts reflect distinct statute assignments.

Applicable Statutes All Minnesota authorities →

Minn. Stat. §500.216

Limits on Certain Residential Solar Energy Systems Prohibited

Prohibits HOAs and private entities from barring owners of single-family dwellings from installing roof-mounted solar energy systems. Reasonable restrictions allowed if they do not reduce energy generation by more than 10% or increase costs beyond 20% for water heaters or $1,000 for photovoltaic systems. 60-day approval timeline. Does not apply to shared-roof condominiums.

Minn. Stat. §515.01

Minnesota Condominium Act — Title

The original Minnesota Condominium Act (29 sections, 515.01-515.29). Still operative for condominiums created before Chapter 515A took effect. Chapter 515B.1-102 makes certain 515B provisions retroactive to these condominiums.

Minn. Stat. §515A.1-101

Minnesota Uniform Condominium Act — Title

The Uniform Condominium Act as adopted in Minnesota. Governs condominiums created after 515A but before 515B (June 1, 1994). Chapter 515B.1-102 makes certain 515B provisions retroactive.

Minn. Stat. §515B.1-102

Minnesota Common Interest Ownership Act — Applicability

Defines the applicability of Chapter 515B (MCIOA) to all common interest communities created in Minnesota on or after June 1, 1994. For pre-1994 condominiums governed by Ch. 515 or 515A, certain 515B sections apply retroactively (governance, assessments, insurance, disclosure). Communities may voluntarily opt into full 515B coverage.

Minn. Stat. §515B.3-102

MCIOA — Powers of Unit Owners' Association

Enumerates broad association powers including rulemaking, assessment levying, hiring/discharging management, litigation, property acquisition, easement granting, imposing interest/late charges, and imposing reasonable fines for violations.

Minn. Stat. §515B.3-103

MCIOA — Board of Directors, Officers and Declarant Control

Establishes board authority, fiduciary duty standards, declarant control period, transition requirements, and open meeting requirements. Declarant-appointed directors owe fiduciary duties to unit owners; elected directors owe the standard of care under Minnesota corporate law. Declarant control terminates at the earliest of: 5 years after first unit conveyance (flexible communities) or 3 years (other communities), declarant's written notice, or 75% of units conveyed to non-declarant owners.

Minn. Stat. §515B.3-104

MCIOA — Transfer of Declarant Rights

Governs voluntary and involuntary transfer of special declarant rights. Transferor remains liable for pre-transfer obligations. Requires separate recorded instrument.

Minn. Stat. §515B.3-107

MCIOA — Upkeep of Common Interest Community

Unique to Minnesota. Requires the board to prepare and approve a written preventive maintenance plan, maintenance schedule, and maintenance budget for common elements. Must be provided to all unit owners in paper, electronic copy, or electronic access. Existing communities had until January 1, 2019 to comply.

Minn. Stat. §515B.3-108

MCIOA — Meetings

Meeting notice requirements for all common interest communities. Annual meetings require not less than 21 nor more than 30 days advance notice. Special meetings require not less than 7 nor more than 30 days notice. Special meetings may be called by petition of 20% of unit owners. Notice must state date, time, place, purposes, and proxy procedures.

Minn. Stat. §515B.3-113

MCIOA — Insurance

Requires associations to maintain property insurance on common elements at full insurable replacement cost (broad form covered causes of loss) and commercial general liability insurance. Association insurance is primary over individual unit owner policies. Insurers must provide 60-day cancellation notice.

Minn. Stat. §515B.3-114

MCIOA — Replacement Reserves (Pre-2010 Communities)

Pre-2010 version of the reserve requirements. Requires adequate reserve funds in the annual budget but contains simpler language without the 3-year reevaluation mandate of §515B.3-1141.

Minn. Stat. §515B.3-1141

MCIOA — Replacement Reserves (Post-2010 Communities)

Requires associations to include adequate replacement reserves in annual budgets based on estimated remaining useful life of each component. Adequacy must be reevaluated at least every 3 years. Reserves not required for components with remaining useful life exceeding 30 years. Reserves must be maintained in accounts separate from operating funds. Does NOT mandate a formal professional reserve study. Applies to communities created on or after August 1, 2010.

Minn. Stat. §515B.3-116

MCIOA — Lien for Assessments

Establishes the association's automatic lien on units when assessments become due. The lien includes fees, charges, late charges, fines, and interest. Following first mortgage foreclosure, the association retains a lien for assessments that became due during the six months immediately preceding the end of the owner's redemption period (super-priority). Lien is enforceable through judicial or nonjudicial foreclosure. Statute of limitations: 3 years after the last installment becomes payable. Applies to all communities regardless of creation date.

Minn. Stat. §515B.3-118

MCIOA — Association Records

Requires associations to maintain membership records, meeting minutes, contracts, correspondence, and financial records. Unit owners have examination rights. Copy fee: actual costs, or for requests of 100 pages or fewer (B&W, standard size), no more than $0.25 per page.

Minn. Stat. §515B.4-107

MCIOA — Resale of Units

Requires unit owners (except declarants) to furnish purchasers with governing documents and a resale disclosure certificate containing 13 specified categories before executing a purchase agreement. The association must furnish the certificate within 10 days of request. The certificate must be dated not more than 90 days prior to the purchase agreement or conveyance date. Applies to all common interest communities regardless of creation date.

Minn. Stat. §515B.4-116

MCIOA — Construction Defect Mediation

Mandatory mediation before construction defect litigation involving common interest communities. Tolling from written mediation demand until 5 business days after mediation or 180 days, whichever is later. $5,000 penalty plus damages for noncompliant declarant disclosure.

Minn. Stat. §541.051

Limitation of Action — Services or Construction to Improve Real Property

Ten-year statute of repose after substantial completion of construction. Two-year statute of limitations from discovery of the cause of action. Discovery in years 9-10 extends the deadline but not beyond 12 years total. Contribution/indemnity claims limited to 14 years. Fraud exception — no limitation period.

Source: Minnesota state legislature. Statutes verified by CommunityPay. Last verified April 2026.

Pending & Recent Minnesota HOA Legislation

SF3200 In Committee

Condo associations and homeowners associations plain-language explanations requirement provision and common interest groups and homeowners associations guide explaining laws creation appropriation

Last action: Apr 1, 2025

HF2618 Introduced

Plain-language explanations for condo associations and homeowners associations required, funding provided for creation of a guide to explain laws governing common interest communities and homeowners associations, and money appropriated.

Last action: Mar 26, 2025

HF1268 Introduced

Common interest communities rights and duties modified, unit owner rights modified, termination threshold modified, meet and confer process established, notice of meetings modified, and governing bodies prohibited from requiring or incentivizing creation of homeowners associations.

Last action: May 4, 2026

HF2614 Introduced

Governing bodies prohibited from requiring or incentivizing creation of homeowners associations, and governing bodies prohibited from requiring terms not required under state law in homeowners association documents.

Last action: Apr 7, 2026

SF2655 In Committee

Certain governing bodies requiring or incentivizing the creation of homeowners associations prohibition provision and certain governing bodies requiring terms not required under state law in homeowners association documents prohibition provision

Last action: Mar 17, 2025

SF4035 In Committee

Common interest group late fee charges limitations provision, association adoption of policies on fines and collection requirement provision, and disclosures requirements provision

Last action: Mar 2, 2026

SF1750 Introduced

Common interest communities provisions modifications

Last action: May 12, 2026

SF3622 Introduced

Minnesota Common Interest Ownership Act technical and conforming changes

Last action: Apr 29, 2026

HF3459 Introduced

Minnesota Common Interest Ownership Act clarifying, technical, and conforming changes made; exemptions provided; number of directors for certain associations provided; and insurance policies clarified.

Last action: Apr 20, 2026

HF4518 In Committee

Common interest community registration established in Department of Commerce.

Last action: Mar 23, 2026

27 HOA-relevant bills tracked for Minnesota · refreshed Oct 3, 2026 · Source: LegiScan

Frequently Asked Questions — Minnesota HOA Law

How much can a Minnesota HOA charge for a resale certificate?

Under Minn. Stat. §515B.4-107, a Minnesota homeowners association may charge no more than $0 for preparing a resale certificate (the disclosure packet required when a unit is sold). Charges in excess of the statutory cap are not collectible from the seller or buyer.

Source: Minn. Stat. §515B.4-107

How long does a Minnesota HOA have to deliver a resale certificate?

Under Minn. Stat. §515B.4-107, a Minnesota association must deliver the resale certificate within 10 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: Minn. Stat. §515B.4-107

How much advance notice must a Minnesota HOA give for meetings?

Under Minn. Stat. §515B.3-108, a Minnesota association must give unit owners at least 21 days advance notice of meetings. The notice must specify the date, time, place, and agenda items to be considered. Actions taken at a meeting that violates the notice requirement may be voidable on owner challenge.

Source: Minn. Stat. §515B.3-108

Does a Minnesota HOA assessment lien have priority over a first mortgage?

Yes — Minnesota is a 'super-priority' state. Under Minn. Stat. §515B.3-116, the association's lien for 6 months of unpaid assessments takes priority over a first-recorded mortgage. When the HOA forecloses, the first mortgage lender must either pay the 6 months of super-priority assessments or risk losing its lien — a significant collection tool for the association.

Source: Minn. Stat. §515B.3-116

Answers derived from the Minnesota legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.

Minnesota HOA Fee Benchmark

$239

Avg Median Monthly Fee

$179 – $418

County Range

106384

Units Paying HOA Fees

Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 87 counties with data.

Communities by City

Minneapolis 6 Battle Lake 2 Eagan 2 Edina 2 Maple Lake 2 Plymouth 2 Saint Paul 2 Anoka 1 Blaine 1 Bloomington 1 Brainerd 1 Brooklyn Park 1 Burnsville 1 Circle Pines 1 Crosslake 1 Deephaven 1 Deer River 1 Duluth 1 Eden Valley 1 Emily 1 Excelsior 1 Fifty Lakes 1 Henning 1 Hillman 1 Hinckley 1 Houston 1 Isanti 1 Litchfield 1 Nelson 1 New Ulm 1 North Oaks 1 Orr 1 Otsego 1 Pequot Lakes 1 Ranier 1 Round Lake 1 Sauk Rapids 1 Shoreview 1 Spicer 1 Victoria 1 Waite Park 1 Watkins 1 Woodbury 1 Wykoff 1

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Download the Minnesota HOA & Condo Compliance Checklist

One PDF — every active Minnesota 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

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Data sourced from Minnesota 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