Missouri HOA & Condominium Law
14 active Missouri statutes govern homeowners associations and condominiums in the state. The corpus encodes 35 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Resale Certificate Compliance
12 disclosures required
MO
Every common interest community in Missouri
is governed by
RSMo §448.4-109
(MO Condominium Resale Certificate (UCA §448.4-109)).
Missouri law requires 12 specific disclosures when a unit is sold.
The certificate must be delivered within 10 days of request.
- Declaration (excluding plats/plans), bylaws, and rules/regulations .1
- Effect of any right of first refusal or restraint on alienability .1(1)
- Monthly common expense assessment and any unpaid amount currently due .1(2)
- Any other fees payable by unit owners .1(3)
- Anticipated capital expenditures for current and next two fiscal years .1(4)
- Amount of reserves and any portions designated for specified projects .1(5)
- Most recent regularly prepared balance sheet and income/expense statement .1(6)
- Current operating budget of the association .1(7)
- Unsatisfied judgments and status of pending suits .1(8)
- Insurance coverage provided for the benefit of unit owners .1(9)
- Board knowledge of alterations or improvements violating the declaration .1(10)
- Remaining term of any leasehold estate affecting the condominium .1(11)
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate.
Missouri does not cap RC preparation fees by statute. With CommunityPay, the board issues the certificate directly from live ledger data — eliminating the third-party fee entirely. Residents typically save $250–$400 per closing.
What Missouri Law Requires
Governance (14)
- Missouri HOAs run on general nonprofit corporation law plus their own documents — there is no dedicated HOA statute to fall back on. RSMo §355.001
- This statute protects homeowners in planned communities — condo and co-op buildings are governed by their own acts. RSMo §442.404 1(1)
- Missouri HOAs cannot ban rooftop solar — and the state supreme court held in 2026 that even covenants written before the law passed are unenforceable. RSMo §442.404 3(1)
- Placement rules are allowed — but any rule that makes solar worse or costlier is unenforceable. RSMo §442.404 3(2)
- On a fifth of an acre or more, Missouri homeowners can keep up to six hens — the HOA can only ban the rooster. RSMo §442.404 5(1)
- Missouri's older condo statute still governs buildings created before September 1983. RSMo §448.005
- Missouri condos created after September 1983 live under the Uniform Condominium Act. There is no Missouri HOA act — planned communities run on their own documents. RSMo §448.1-101
- September 28, 1983 is the dividing line — but even a 1970s Missouri condo collects and liens under the modern act's rules for anything that happens today. RSMo §448.1-102 1
- A developer cannot write itself special protection into the declaration — the association must be as free to act against the declarant as against anyone else. RSMo §448.3-102 2
- Developer-appointed board members are held to the strict fiduciary standard; owner-elected members to ordinary care. RSMo §448.3-103 1
- Owners get board seats in stages — a quarter of the board at 25 percent sold, a third at 50 percent. RSMo §448.3-103 5
- A new owner-controlled board is not stuck with the developer's sweetheart contracts — ninety days' notice ends them, penalty-free. RSMo §448.3-105
- Owners cannot be ambushed — big-ticket agenda items must appear in the meeting notice itself. RSMo §448.3-108
- Annual meetings are mandatory, and a fifth of the owners can force a special one. RSMo §448.3-108
Financial (1)
- Missouri condo budgets pass by default — it takes a majority of every owner, not just those who show up, to vote one down. RSMo §448.3-103 3
Assessment (6)
- Before the first assessment the developer pays everything; after that, the association must budget and assess every year. RSMo §448.3-115 1
- One owner's misconduct does not become everyone's bill — the cost can be put on that unit alone. RSMo §448.3-115 5
- The lien exists the moment a charge goes unpaid — and Missouri allows both judicial and nonjudicial (power-of-sale) foreclosure. RSMo §448.3-116 1
- Missouri gives associations a six-month priority carve-out ahead of the mortgage — but only if they foreclose through the courts. RSMo §448.3-116 2(3)
- The lien is automatic — the association never has to record a separate lien document. RSMo §448.3-116 4
- If a landlord-owner stops paying assessments, the association can collect the tenant's rent directly — and the tenant is protected for paying. RSMo §448.3-116 9
Disclosure (5)
- There is no dollar cap on Missouri certificate fees — but the statute limits them to "reasonable." RSMo §448.3-102 1(12)
- Closers can rely on the association's payoff letter — ten business days, and the number is binding. RSMo §448.3-116 8
- A Missouri resale certificate carries eleven required disclosures — money, reserves, litigation, insurance, and known violations. RSMo §448.4-109 1
- If the association gets a number wrong, that is the association's problem — not the selling owner's. RSMo §448.4-109 2
- The certificate caps the buyer's exposure — arrears beyond the stated amount cannot follow the unit. RSMo §448.4-109 3
Records (1)
- Missouri condo owners can examine the association's books — the whole statutory standard is "reasonably available." RSMo §448.3-118
Elections (1)
- A board member can be recalled at any owner meeting with a two-thirds vote of those present. RSMo §448.3-103 7
Enforcement (3)
- An HOA cannot ban yard signs — and it has to give a specific written warning and three days before touching one or fining anyone. RSMo §442.404 2(3)
- For-sale signs are protected too — with a slightly longer, three-business-day warning period. RSMo §442.404 4(3)
- A Missouri condo association cannot fine an owner without notice and a chance to be heard — and fines must be reasonable. RSMo §448.3-102 1(11)
Insurance (4)
- The master property policy has a statutory floor — 80 percent of actual cash value. RSMo §448.3-113 1(1)
- The building's policy protects every owner directly — the insurer cannot chase owners for reimbursement, and the master policy pays first. RSMo §448.3-113 4
- Insurance money rebuilds the building first; banks and owners only see what is left over. RSMo §448.3-113 5
- Coverage cannot vanish without a 30-day warning to everyone — and after a loss the default is rebuild unless a supermajority votes otherwise. RSMo §448.3-113 7
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Governance Documents
7
Assessment Collection
4
Enforcement and Fines
3
Fiduciary Duty
3
Insurance Requirements
3
Developer Transition
2
Elections and Voting
2
Meetings and Notice
2
Architectural Review
1
Collections & Delinquency
1
Foreclosure and Liens
1
Records Access and Inspection
1
Resale Disclosure
1
Solar & Sustainability Rights
1
Each chip links to the Missouri statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
All Missouri authorities →
Missouri Nonprofit Corporation Act — Citation of Law
The citation section of the Missouri Nonprofit Corporation Act (Chapter 355). Missouri has no HOA-specific act, so HOAs organized as nonprofit corporations take their corporate governance defaults — board structure, officer duties, member meetings and voting, records, dissolution — from Chapter 355 plus their own declaration and bylaws, subject to the targeted protections of §442.404. Condominiums are governed by the Uniform Condominium Act instead.
Political Signs, Solar Panels, Sale Signs, and Chickens — HOA Restriction Limits
Missouri's targeted HOA-restriction statute. Deed restrictions and covenants may not prohibit: (1) political signs — the HOA may adopt reasonable time/size/place/number/manner rules and may remove signs from common ground or unsafe placements, but may not remove a homeowner's sign or fine without three days' written notice identifying the rule violated; (2) rooftop solar panels on owner-maintained rooftops — rules may not prevent installation, impair functioning, restrict use, or adversely affect cost or efficiency, and the Missouri Supreme Court held in Eikmeier v. Granite Springs Home Owners Association, Inc. (Mo. banc 2026, No. SC101161) that this protection reaches covenants recorded BEFORE the statute; (3) sale signs — with three business days' written notice before removal or fines; and (4) up to six chickens on lots of two-tenths of an acre or more (one coop allowed; roosters may be restricted). Subsection 1(1) defines "homeowners' association" to EXCLUDE condominium associations and residential cooperatives — this section is the planned-community counterpart to the UCA.
Condominium Property Act — Title of Law
The older Condominium Property Act (RSMo §§448.005-448.210) governs condominiums created BEFORE September 28, 1983. Covers property submission, declarations, taxation, liens, common element management, bylaws, and manager responsibilities. Does not apply to post-1983 condominiums. Pre-1983 condominiums may adopt UCA-permitted amendments following their existing procedures, and certain UCA sections apply to them for post-1983 events (see §448.1-102).
Uniform Condominium Act — Short Title
Sections 448.1-101 to 448.4-120 are the Uniform Condominium Act. Governs all condominiums created in Missouri after September 28, 1983. Pre-1983 condominiums are governed by the older Condominium Property Act (RSMo §§448.005-448.210), with certain UCA sections applying retroactively to post-1983 events. Missouri does NOT have a comparable act for HOAs or planned communities — non-condominium associations run on their declarations, Chapter 355 nonprofit law, and the targeted protections of §442.404.
Uniform Condominium Act — Applicability
Establishes the September 28, 1983, cutoff date. Post-1983 condominiums are governed by the full UCA. Pre-1983 condominiums are subject to enumerated UCA provisions — including §448.3-115 assessments and §448.3-116 lien authority — but only for events and circumstances occurring after September 28, 1983, and without invalidating existing declarations, bylaws, or plats. Sections 448.005-448.210 do not apply to post-1983 condominiums.
Uniform Condominium Act — Powers of Unit Owners' Association
Enumerates seventeen powers of the unit owners' association, including adopting bylaws, rules, and budgets; collecting assessments; hiring and terminating managing agents; litigating; contracting; regulating common elements; acquiring and conveying property; granting easements; imposing late charges and — after notice and an opportunity to be heard — reasonable fines; charging reasonably for resale certificates and payoff statements; maintaining D&O insurance; and assigning future income where the declaration expressly allows. The declaration may not restrict the association's power to deal with the declarant more than its power to deal with others.
Uniform Condominium Act — Executive Board Members and Officers
Executive board may act on behalf of the association except as limited by declaration, bylaws, or statute. Two-tier fiduciary standard: declarant-appointed members owe "the care required of fiduciaries of the unit owners"; owner-elected members owe "ordinary and reasonable care." The board may not amend the declaration, terminate the condominium, or elect board members (but may fill vacancies). Budget ratification: summary to all owners within 30 days of adoption, ratification meeting 14-30 days after mailing, and the budget stands unless a majority of ALL unit owners rejects it — quorum irrelevant. Owners may remove any board member by a two-thirds vote of those present and entitled to vote at a quorum meeting. Declarant control ends at the earliest of 60 days after 75% of units convey, two years after sales cease, or two years after the last exercise of development rights — with staged owner representation at 25% and 50% conveyance. On control termination, owners elect a board of at least three members, a majority of whom must be unit owners.
Uniform Condominium Act — Termination of Contracts and Leases of Declarant
After the owner-elected board takes office, the association may terminate — without penalty, on not less than 90 days' notice — any management contract, employment contract, or lease of recreational or parking facilities entered into before that board took office, any other contract or lease between the association and the declarant or a declarant affiliate, and any contract or lease that was not bona fide or was unconscionable when made. Does not apply to leases whose termination would terminate or shrink the condominium (unless structured to evade the section).
Uniform Condominium Act — Meetings
Association must hold at least one meeting annually. Special meetings may be called by the president or by 20 percent (or a lower bylaw percentage) of either the executive board or the unit owners. Notice runs not less than 10 nor more than 60 days before any meeting, hand-delivered or sent prepaid US mail to each unit's mailing address (or an owner-designated address), and must state the time, place, and agenda — including the general nature of proposed declaration or bylaw amendments, budget changes, and any proposal to remove a director or officer. The statute leaves quorum requirements to the bylaws.
Uniform Condominium Act — Insurance
Beginning with the first unit conveyance to a non-declarant, the association must maintain, to the extent reasonably available: (1) property insurance on the common elements against all commonly insured risks of direct physical loss, at not less than 80 percent of actual cash value (excluding land and foundations), and (2) liability insurance including medical payments in an amount the board determines, at least any declaration minimum. Buildings with horizontal unit boundaries must be insured including the units (owner-installed improvements excluded). Policies must name each unit owner as an insured, waive subrogation against owners and their households, survive individual owners' acts, and be primary over owners' own policies. Proceeds are adjusted with the association and held in trust for repair first; insurers owe 30 days' notice before cancellation or nonrenewal; damaged portions must be repaired promptly unless the condominium is terminated, repair is illegal, or 80 percent of owners (including every owner of a unit not rebuilt) vote not to rebuild — with excess cost a common expense.
Uniform Condominium Act — Assessments for Common Expenses
Declarant pays all common expenses until the association first levies assessments; thereafter assessments must be made at least annually, based on a budget adopted at least annually. Common expenses follow the declaration's allocations. Interest on past-due assessments is capped at 18 percent per year (subsection 2). Limited-common-element and sub-group expenses may be assessed to the benefiting units, insurance in proportion to risk, and utilities by usage; judgment assessments fall on the units existing when judgment entered; and expenses caused by an owner's misconduct may be assessed exclusively against that unit.
Uniform Condominium Act — Lien for Assessments
Condominium association lien for assessments and fines from the time they become due, foreclosable like a mortgage or by power of sale under Chapter 443. Super-priority: six months of budget-based delinquent common expense assessments have limited priority over a mortgage or deed of trust recorded before the delinquency (purchase-money mortgages recorded before August 28, 2014 are exempt) — but ONLY in judicial foreclosure: an association that forecloses nonjudicially under Chapter 443 forfeits the priority (subsection 2(5)), and attorney's fees are excluded from the priority amount (subsection 7). Recording the declaration perfects the lien with no separate filing; enforcement must begin within three years (subsection 5). On written request the association must furnish a recordable payoff statement within ten business days, binding on the association (subsection 8). If a delinquency exceeds sixty days on a tenant-occupied unit, the association may demand the tenant's rent until cured (subsection 9).
Uniform Condominium Act — Association Records
The UCA records section — two sentences: the association must keep financial records detailed enough to comply with the §448.4-107 original-sale-certificate requirements, and all financial and other records must be made reasonably available for examination by any unit owner and authorized agents. No statutory response deadline, fee schedule, or withholding categories — the reasonableness standard does the work.
Uniform Condominium Act — Resales of Units
Requires unit owners to furnish purchasers a resale certificate before contract execution containing the declaration (excluding plats/plans), bylaws, rules/regulations, and eleven disclosures: alienability restraints, the monthly assessment and unpaid amounts, other fees, anticipated capital expenditures for the current and next two fiscal years, reserves (including project-designated portions), the most recent balance sheet and income/expense statement, the operating budget, unsatisfied judgments and pending suits, insurance coverage, board knowledge of violating alterations, and leasehold terms. The association must furnish the certificate within ten days of the owner's request (subsection 2); the contract is voidable until the certificate is provided and for five days thereafter, or until conveyance (subsection 3). No statutory fee cap — §448.3-102.1(12) separately authorizes "reasonable charges" for certificate preparation. The purchaser is not liable for unpaid assessments beyond the certificate amount, and the selling owner is not liable for association errors in it.
Source: Missouri state legislature. Statutes verified by CommunityPay. Last verified July 2026.
Pending & Recent Missouri HOA Legislation
Last action: Jul 13, 2026
Last action: May 15, 2026
Last action: May 15, 2026
Last action: Apr 23, 2026
Last action: Apr 21, 2026
Last action: Apr 7, 2026
Last action: Feb 5, 2026
12 HOA-relevant bills tracked for Missouri · refreshed Oct 3, 2026 · Source: LegiScan
Frequently Asked Questions — Missouri HOA Law
How long does a Missouri HOA have to deliver a resale certificate?
Under RSMo §448.4-109, a Missouri 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: RSMo §448.4-109
What are the rules for HOA late fees in Missouri?
Under RSMo §448.3-115, . A late fee charged outside these limits is not collectible against the unit owner.
Source: RSMo §448.3-115
How much advance notice must a Missouri HOA give for meetings?
Under RSMo §448.3-108, a Missouri association must give unit owners at least 60 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: RSMo §448.3-108
Does a Missouri HOA assessment lien have priority over a first mortgage?
Yes — Missouri is a 'super-priority' state. Under RSMo §448.3-116, 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: RSMo §448.3-116
Answers derived from the Missouri legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.
Missouri HOA Fee Benchmark
$211
Avg Median Monthly Fee
$4 – $562
County Range
52289
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 100 counties with data.
Communities by City
Saint Louis
22
Kansas City
16
Blue Eye
3
Columbia
3
Bolivar
2
Bonne Terre
2
Imperial
2
Platte City
2
Shell Knob
2
Springfield
2
Albany
1
Arnold
1
Barnhart
1
Blue Springs
1
Bourbon
1
Bridgeton
1
Carthage
1
Cedar Hill
1
Centertown
1
Clinton
1
De Soto
1
Eagle Rock
1
Ellisville
1
Farmington
1
Greenfield
1
Hazelwood
1
Independence
1
Ironton
1
Jamesport
1
King City
1
Kirksville
1
Lake Ozark
1
Lake St Louis
1
Liberty
1
Manchester
1
Monett
1
Morrisville
1
Neosho
1
Nevada
1
Ofallon
1
Pierce City
1
Plattsburg
1
Pleasant Hill
1
Rolla
1
Silex
1
Stanberry
1
Stewartsville
1
Warrensburg
1
Warsaw
1
Wildwood
1
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Download the Missouri HOA & Condo Compliance Checklist
One PDF — every active Missouri 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 Missouri 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