Winghaven Master Association

Ofallon, Missouri
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Community Profile
Legal Compliance Dashboard — Live Preview Missouri vs. Washington · 8 requirements tracked
3/8
CommunityPay tracks every numeric statutory requirement — fee caps, time limits, percentage caps, retention periods — across every state's community-association law. The full dashboard renders side-by-side comparisons across all 51 tracked jurisdictions and a live feed of statute amendments. Below, three rows for Missouri alongside Washington.
Requirement MO WA
RC delivery deadline 10 days 10 calendar days
Buyer cancellation period 5 days 5 business days
Lien super-priority 6 months 6 months
Open the full dashboard for Missouri → all states, every threshold, statute changes tracked daily
Resale Certificate Compliance 12 disclosures required
MO
Community type unverified. Public records do not classify this entity as a specific community-association type. The Missouri condominium resale-certificate profile below is shown for reference. Confirm the governing documents and association classification before relying on association-specific output.
This association may be governed by RSMo §448.4-109 (MO Condominium Resale Certificate (UCA §448.4-109)). If applicable, 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.
None of these items are confirmed for Winghaven Master Association. Set up this community on CommunityPay to track compliance and generate resale certificates from live ledger data.
Institutional Reference

Reserve study standards in Missouri

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.

Missouri 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 Missouri

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.

Annual / owner meeting
60 days advance notice
RSMo §448.3-108
Board meeting
10 days advance notice
RSMo §448.3-108

Most state regimes also require:

  • Open meetings — board meetings open to all members in good standing; closed executive sessions only for narrow purposes (litigation, personnel, contracts).
  • Agenda discipline — the board cannot vote on substantive matters not included in the noticed agenda except in narrow emergency circumstances.
  • Annual meeting — at least one owner meeting per year, with notice mailed to the address on record for each owner.
  • Quorum thresholds — defined in the declaration or bylaws; statutory default applies when governing documents are silent.

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.

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

Defined in the declaration or bylaws. When silent, statutory defaults apply — typically 20–25% of allocated interests for owner meetings. Quorum is measured at the start; once established it persists even if attendance drops below the 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.

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 Statutes vary; common floors are seven years for financial records and the life of the association for governance records. Permanent retention is the safer practice. Reserve studies, declarations, amendments, and assessments — permanent.
  3. Owner inspection rights Owners have a statutory right to inspect minutes and association records on written request. The association may charge reasonable copy fees and require inspection during normal business hours at a designated location.
  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.
Related tools
Institutional Reference

Insurance & risk requirements in Missouri

Statutory floors plus the Fannie Mae 1076 and Freddie Mac 476 condo questionnaire fields lenders verify before closing. Generic reference. Specific declarations or bylaws may impose tighter requirements; statutes set the minimum.

Fannie Mae lender requirement
Hazard / property coverage
100% of replacement cost value, project improvements + common elements + residential structures
Fannie Mae B7-3-03
Comprehensive general liability
$1000000 minimum per single occurrence, bodily injury and property damage on common elements
Fannie Mae B7-4-01
  • Replacement cost basis — policy must pay to rebuild without depreciation deduction.
  • Agreed-amount endorsement — waives the coinsurance penalty when coverage is set to a stated replacement cost.
  • Inflation guard endorsement — annual escalation to keep coverage at current rebuild cost.
  • Building ordinance or law endorsement — covers the cost gap when current building codes require upgrades during a rebuild.
Fannie Mae lender requirement
Fidelity / crime bond minimum
3 months of aggregate assessments on all units
Fannie Mae B7-4-02

The fidelity / crime policy protects association funds from dishonest or fraudulent acts by anyone handling or responsible for those funds — directors, officers, employees, and the management agent. The HOA or co-op corporation must be the named insured, with premiums paid as a common expense.

  • Named covered parties — board, officers, employees, and the management company (when one is engaged).
  • Computation basis — months of assessments plus reserve balance, or a percentage of the operating budget, depending on the governing statute.
  • Annual renewal — coverage lapses are a common audit finding and trigger lender disqualification.
Fannie Mae lender requirement
Deductible cap
5% maximum of master policy coverage amount, aggregated across per-peril deductibles
Fannie Mae B7-3-03

Higher deductibles disqualify the project from conforming mortgage originations on every unit. State statutes sometimes codify a tighter cap or require board approval before deductible changes.

Flood insurance is required when any portion of the project sits inside a FEMA-designated Special Flood Hazard Area (SFHA). Coverage must equal the lesser of the building replacement cost or the National Flood Insurance Program (NFIP) maximum, with the balance covered by an excess flood policy.

Beyond the master property policy, lenders require several distinct coverages and endorsements. Each addresses a specific risk category the master policy alone does not handle.

  • Directors & officers (D&O) liability — defends board members against claims arising from governance decisions. Often required by lenders even when not codified by statute.
  • Umbrella / excess liability — extends primary liability limits, typically by $1M to $5M, to cover catastrophic claims.
  • Workers’ compensation — required when the association directly employs maintenance or management staff.
  • Earthquake / windstorm — peril-specific policies in seismic and coastal zones. Lender requirement depends on territory.
  • Environmental / pollution — applies when the association operates pools, fuel storage, or other regulated facilities.

Specific statutory provisions seeded for Missouri:

  • Property insurance must cover at least 80 percent of actual cash value — RSMo §448.3-113 1(1)
  • Owners are insureds; subrogation is waived; the master policy is primary — RSMo §448.3-113 4
  • Proceeds are held for repair first — not paid to mortgagees — RSMo §448.3-113 5
  • Thirty days' notice before cancellation; rebuild unless 80 percent vote otherwise — RSMo §448.3-113 7
Statutory Obligations — Missouri 35 obligations across 8 categories
MO
CommunityPay has not verified this entity's community-association type. The jurisdiction-level obligations below are Missouri statutory requirements that may apply depending on the association's governing documents, entity type, and statutory classification — confirm classification before relying on association-specific outputs. Each item is pinned to the underlying statute. Click any citation to read the source.
Governance 14
Board governance, meetings, voting, quorum.
  • Chapter 355 supplies the corporate framework for Missouri HOAs
    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
  • Condominiums and co-ops are excluded from this section's HOA definition
    This statute protects homeowners in planned communities — condo and co-op buildings are governed by their own acts.
     RSMo §442.4041(1)
  • Solar-ban covenants are unenforceable — even pre-statute ones (Eikmeier, Mo. 2026)
    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 §442.4043(1)
  • Solar placement rules cannot impair function, use, cost, or efficiency
    Placement rules are allowed — but any rule that makes solar worse or costlier is unenforceable.
     RSMo §442.4043(2)
  • Up to six chickens are protected on fifth-acre lots
    On a fifth of an acre or more, Missouri homeowners can keep up to six hens — the HOA can only ban the rooster.
     RSMo §442.4045(1)
  • The Condominium Property Act governs pre-1983 Missouri condominiums
    Missouri's older condo statute still governs buildings created before September 1983.
     RSMo §448.005
  • Sections 448.1-101 to 448.4-120 are the Uniform Condominium Act
    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
  • The September 1983 cutoff — full UCA after, enumerated sections before
    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 §448.1-1021
  • The declaration cannot handicap the association against the declarant
    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 §448.3-1022
  • Two-tier fiduciary standard for board members
    Developer-appointed board members are held to the strict fiduciary standard; owner-elected members to ordinary care.
     RSMo §448.3-1031
  • Staged owner representation during declarant control
    Owners get board seats in stages — a quarter of the board at 25 percent sold, a third at 50 percent.
     RSMo §448.3-1035
  • Owner-elected boards can shed declarant-era contracts on 90 days' notice
    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
  • Meeting notices must flag amendments, budget changes, and removals
    Owners cannot be ambushed — big-ticket agenda items must appear in the meeting notice itself.
     RSMo §448.3-108
  • At least one association meeting each year
    Annual meetings are mandatory, and a fifth of the owners can force a special one.
     RSMo §448.3-108
Financial 1
Financial statements, audits, banking, fund segregation.
  • Budgets are ratified unless a majority of ALL owners rejects
    Missouri condo budgets pass by default — it takes a majority of every owner, not just those who show up, to vote one down.
     RSMo §448.3-1033
Assessment 6
Assessment levy, billing, collection, late fees.
  • Assessments must be made at least annually from an annually adopted budget
    Before the first assessment the developer pays everything; after that, the association must budget and assess every year.
     RSMo §448.3-1151
  • Misconduct-caused expenses can be assessed against the responsible unit
    One owner's misconduct does not become everyone's bill — the cost can be put on that unit alone.
     RSMo §448.3-1155
  • The lien attaches automatically and forecloses like a mortgage or by power of sale
    The lien exists the moment a charge goes unpaid — and Missouri allows both judicial and nonjudicial (power-of-sale) foreclosure.
     RSMo §448.3-1161
  • Six-month super-priority — judicial foreclosure only
    Missouri gives associations a six-month priority carve-out ahead of the mortgage — but only if they foreclose through the courts.
     RSMo §448.3-1162(3)
  • Recording the declaration perfects the lien — no separate filing
    The lien is automatic — the association never has to record a separate lien document.
     RSMo §448.3-1164
  • Tenant rent can be diverted after sixty days of owner delinquency
    If a landlord-owner stops paying assessments, the association can collect the tenant's rent directly — and the tenant is protected for paying.
     RSMo §448.3-1169
Insurance 4
Insurance coverage, policy disclosures, claims.
  • Property insurance must cover at least 80 percent of actual cash value
    The master property policy has a statutory floor — 80 percent of actual cash value.
     RSMo §448.3-1131(1)
  • Owners are insureds; subrogation is waived; the master policy is primary
    The building's policy protects every owner directly — the insurer cannot chase owners for reimbursement, and the master policy pays first.
     RSMo §448.3-1134
  • Proceeds are held for repair first — not paid to mortgagees
    Insurance money rebuilds the building first; banks and owners only see what is left over.
     RSMo §448.3-1135
  • Thirty days' notice before cancellation; rebuild unless 80 percent vote otherwise
    Coverage cannot vanish without a 30-day warning to everyone — and after a loss the default is rebuild unless a supermajority votes otherwise.
     RSMo §448.3-1137
Disclosure 5
Owner disclosures, resale certificates, public records.
  • Resale-certificate charges must be reasonable
    There is no dollar cap on Missouri certificate fees — but the statute limits them to "reasonable."
     RSMo §448.3-1021(12)
  • Payoff statements are due in ten business days and bind the association
    Closers can rely on the association's payoff letter — ten business days, and the number is binding.
     RSMo §448.3-1168
  • Eleven enumerated resale-certificate disclosures
    A Missouri resale certificate carries eleven required disclosures — money, reserves, litigation, insurance, and known violations.
     RSMo §448.4-1091
  • The seller is shielded from association errors in the certificate
    If the association gets a number wrong, that is the association's problem — not the selling owner's.
     RSMo §448.4-1092
  • Buyers are not liable beyond the certificate amount
    The certificate caps the buyer's exposure — arrears beyond the stated amount cannot follow the unit.
     RSMo §448.4-1093
Records 1
Records retention, owner access, official documents.
  • All records are reasonably available to any unit owner
    Missouri condo owners can examine the association's books — the whole statutory standard is "reasonably available."
     RSMo §448.3-118
Elections 1
Director elections, ballot procedures, recall.
  • Owners can remove any board member by two-thirds vote
    A board member can be recalled at any owner meeting with a two-thirds vote of those present.
     RSMo §448.3-1037
Enforcement 3
Rule enforcement, fines, hearings, due process.
  • Political signs cannot be banned; removal requires three days' written notice
    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 §442.4042(3)
  • Sale signs are protected with a three-business-day notice rule
    For-sale signs are protected too — with a slightly longer, three-business-day warning period.
     RSMo §442.4044(3)
  • Fines require notice and an opportunity to be heard
    A Missouri condo association cannot fine an owner without notice and a chance to be heard — and fines must be reasonable.
     RSMo §448.3-1021(11)
None of these obligations are confirmed for Winghaven Master Association as a CommunityPay-managed community. Set up this community on CommunityPay to track obligation compliance from a live ledger with audit-grade enforcement.
Source: Missouri legal corpus. Last verified July 8, 2026. CommunityPay maintains the corpus and re-verifies on a rolling cadence.
Risk Profile — CARI Score Preview 5 weighted components · Verified score requires consent
Preview
CARI — the Community Association Risk Index — is CommunityPay's deterministic risk score for community associations. Lenders, insurers, title companies, and buyers consume it through an authenticated API. The score is computed from five weighted components and is consent-gated: the association controls whether subscribers can see it.
Financial Health 30% weight
Reserve adequacy, delinquency rate, operating ratio, fund segregation. Measured against state statutory thresholds.
Governance 25% weight
Board attestation currency, meeting compliance, policy violations, governance risk coefficient.
Vendor Risk 15% weight
Vendor compliance signals — license, insurance, bond status, payment velocity, dispute rate.
Enforcement Integrity 15% weight
Block rate, override rate, SLA breaches in the enforcement decision ledger. The audit-trail layer.
Payment Behavior 15% weight
Prevented loss, dispute rate, collection efficiency, payment-method risk.
No verified CARI score is published for Missouri community Winghaven Master Association. Set up this community on CommunityPay to publish a verified CARI score that lenders, insurers, title companies, and buyers can consume through an authenticated API.
Compliance Calendar — Next 12 Months 1 deadline
Federal Form 1120-H or 1120 — annual return Apr 15, 2027 · 192 days
High IRC §528
Failure to file timely incurs IRS penalties and interest.
Source: Missouri statute and federal tax law. Dates are conservative estimates based on common fiscal-year alignment; actual deadlines depend on the association's bylaws and fiscal year.
Records This Community Should Have — Missouri 2 record categories required by statute
Under Missouri community association law, the records below must be created and retained. Failure to produce these on owner request, audit, or litigation creates liability and erodes the board's defensibility. None are confirmed for this community as a CommunityPay-managed association.
Financial 2
  • Tax returns
    Federal and state association tax returns.
    Retention: 7 years
    IRC §6501 + state retention norms
  • Tax returns
    Federal association tax returns.
    Retention: 7 years
    IRC §6501
Set up this community on CommunityPay to create, store, and produce these records on demand from a live ledger.
Registration Details Unclassified Entity · Est. 2017 · Active
Type Unclassified Entity
Governing Statute Mo. Rev. Stat. §448.3-101 et seq. (Common Interest Owners Bill of Rights)
State Missouri
City Ofallon
ZIP 63368
County St. Charles
Registration IRS Exempt Organizations Business Master File · IRS-431825587
Formed May 1, 2017
Status Active
Area HOA Fees St. Charles County median $212/mo
Median Monthly Fee $212
Average Monthly Fee $226
Typical Range $177 – $259
Units Paying Fees 8,458
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). St. Charles County, MO.
Natural Hazard Exposure St. Charles County
Relatively Moderate
Strong Wind Very High
Hail Relatively High
Tornado Relatively High
Heat Wave Relatively Moderate
Earthquake Relatively Moderate
Social Vulnerability Very Low
Community Resilience Very High
Expected Annual Loss $215,226,919
Source: FEMA National Risk Index v1.20, St. Charles County, MO
Applicable Laws 14 Missouri statutes
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
Source: Missouri state legislature. Statutes verified by CommunityPay. Last verified July 2026.
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Community data is sourced from Missouri Secretary of State public registrations. Natural hazard data is from the FEMA National Risk Index (county-level, v1.20). CommunityPay does not claim a relationship with Winghaven Master Association unless explicitly stated.
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