Dennis Friendship Community Association

Jay, Oklahoma
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Community Profile
Legal Compliance Dashboard — Live Preview Oklahoma vs. Washington · 2 requirements tracked
2/2
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 Oklahoma alongside Washington.
Requirement OK WA
RC fee cap $25 $275
Judicial foreclosure required Yes No
Open the full dashboard for Oklahoma → all states, every threshold, statute changes tracked daily
Estoppel Disclosure Workflow 13 standard items
OK
Community type unverified. Public records do not classify this entity as a specific community-association type. The Oklahoma estoppel-disclosure workflow below is shown for reference. Confirm the governing documents and association classification before relying on association-specific output.
CommunityPay has not verified a state-specific statutory resale certificate regime in Oklahoma. 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
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate. Under 60 O.S. §857, Oklahoma caps the preparation fee at $25 by statute. With CommunityPay, the board issues the certificate directly from live ledger data — the board controls pricing within the statutory cap. Residents typically save $200+ per closing.
None of these items are confirmed for Dennis Friendship Community Association. Set up this community on CommunityPay to track compliance and generate resale certificates from live ledger data.
Institutional Reference

Reserve study standards in Oklahoma

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.

Oklahoma 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 Oklahoma

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.

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

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

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

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

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

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 Oklahoma

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.
Statutory Obligations — Oklahoma 35 obligations across 6 categories
OK
CommunityPay has not verified this entity's community-association type. The jurisdiction-level obligations below are Oklahoma 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 11
Board governance, meetings, voting, quorum.
  • Oklahoma HOAs formed as corporations are subject to the general corporate fiduciary standard
    Oklahoma HOAs formed as corporations are subject to the general corporate fiduciary standard.
     18 O.S. §1027
  • Majority of total directors constitutes a quorum (cannot be less than one-third)
    Majority of total directors constitutes a quorum (cannot be less than one-third).
     18 O.S. §1027
  • Directors are fully protected in relying in good faith upon corporation records and on information or reports from officers, employees, committees, or experts selected with reasonable care
    Directors are fully protected in relying in good faith upon corporation records and on information or reports from officers, employees, committees, or experts selected with reasonable care.
     18 O.S. §1027
  • Each unit is an independent estate in real property
    Each unit is an independent estate in real property.
     60 O.S. §501
  • Separate from the Real Estate Development Act (§851-858) that governs HOAs
    Separate from the Real Estate Development Act (§851-858) that governs HOAs.
     60 O.S. §501
  • Oklahoma's condominium act, covering approximately 30 sections
    Oklahoma's condominium act, covering approximately 30 sections.
     60 O.S. §501
  • Bylaws must provide for form of administration, meeting procedures (including that a majority is required for decisions), common element maintenance, expense collection methods, personnel, use restrictions, and amendment procedures
    Bylaws must provide for form of administration, meeting procedures (including that a majority is required for decisions), common element maintenance, expense collection methods, personnel, use restrictions, and amendment procedures.
     60 O.S. §520
  • Amendment requires 75% of unit owners by percentage of common element interest
    Amendment requires 75% of unit owners by percentage of common element interest.
     60 O.S. §520
  • Does not prescribe specific meeting notice periods — these are set by bylaws
    Does not prescribe specific meeting notice periods — these are set by bylaws.
     60 O.S. §520
  • Applies regardless of whether notice provisions are included in the construction contract
    Applies regardless of whether notice provisions are included in the construction contract.
     15 O.S. §765.6
  • Core HOA statute in Oklahoma
    Core HOA statute in Oklahoma.
     60 O.S. §852
Financial 2
Financial statements, audits, banking, fund segregation.
  • OK Covenant Copy Fee Cap: $25.00
    No more than twenty-five dollars
     60 O.S. §857
  • Buyer may be charged no more than $25
    Buyer may be charged no more than $25.
     60 O.S. §857
Assessment 3
Assessment levy, billing, collection, late fees.
  • Condominium assessment lien with priority over all liens except past-due tax assessments, prior judgments, prior-recorded mortgages, and certain mechanic's liens
    Condominium assessment lien with priority over all liens except past-due tax assessments, prior judgments, prior-recorded mortgages, and certain mechanic's liens.
     60 O.S. §524
  • Unpaid amounts become common expenses of all remaining owners
    Unpaid amounts become common expenses of all remaining owners.
     60 O.S. §524
  • OK Condo Judicial Foreclosure Required
    Foreclosed by suit in like manner as an action for foreclosure of a mortgage upon real property
     60 O.S. §524(b)
Disclosure 7
Owner disclosures, resale certificates, public records.
  • This is Oklahoma's closest analog to a condo resale certificate — limited to unpaid assessments
    This is Oklahoma's closest analog to a condo resale certificate — limited to unpaid assessments.
     60 O.S. §525
  • Grantee of a condominium unit is jointly and severally liable with the grantor for all unpaid assessments up to conveyance
    Grantee of a condominium unit is jointly and severally liable with the grantor for all unpaid assessments up to conveyance.
     60 O.S. §525
  • Grantee is entitled to a statement from the manager or board setting forth unpaid assessments
    Grantee is entitled to a statement from the manager or board setting forth unpaid assessments.
     60 O.S. §525
  • Grantee is not liable for amounts beyond the statement
    Grantee is not liable for amounts beyond the statement.
     60 O.S. §525
  • Title company closing a sale must provide the buyer with a copy of all recorded covenants and restrictions
    Title company closing a sale must provide the buyer with a copy of all recorded covenants and restrictions.
     60 O.S. §857
  • Copy must be provided prior to or at closing by mail, hand delivery, or electronic delivery
    Copy must be provided prior to or at closing by mail, hand delivery, or electronic delivery.
     60 O.S. §857
  • This is a document delivery requirement, not a financial disclosure or assessment status certificate
    This is a document delivery requirement, not a financial disclosure or assessment status certificate.
     60 O.S. §857
Enforcement 6
Rule enforcement, fines, hearings, due process.
  • Addresses creation, declarations, bylaws, common elements, assessments, liens, insurance, damage/destruction, and obsolescence
    Addresses creation, declarations, bylaws, common elements, assessments, liens, insurance, damage/destruction, and obsolescence.
     60 O.S. §501
  • Foreclosed by judicial action only (like a mortgage on real property)
    Foreclosed by judicial action only (like a mortgage on real property).
     60 O.S. §524
  • First mortgage foreclosure purchaser is not liable for assessments that became due before acquisition
    First mortgage foreclosure purchaser is not liable for assessments that became due before acquisition.
     60 O.S. §524
  • Grants assessment authority with lien and foreclosure powers
    Grants assessment authority with lien and foreclosure powers.
     60 O.S. §852
  • Lien may be foreclosed judicially or nonjudicially (with or without power of sale)
    Lien may be foreclosed judicially or nonjudicially (with or without power of sale).
     60 O.S. §852
  • Owners associations may be formed for management of common areas and enforcement of restrictions
    Owners associations may be formed for management of common areas and enforcement of restrictions.
     60 O.S. §852
Compliance 6
Statutory compliance, filings, registrations.
  • No tort action for construction deficiency may be brought more than 10 years after substantial completion
    No tort action for construction deficiency may be brought more than 10 years after substantial completion.
     12 O.S. §109
  • Discovery rule does not apply
    Discovery rule does not apply.
     12 O.S. §109
  • Covers deficiencies in design, planning, supervision, observation of construction, or construction of an improvement to real property
    Covers deficiencies in design, planning, supervision, observation of construction, or construction of an improvement to real property.
     12 O.S. §109
  • Contractor gets 30 days after receipt of written notice of defects to inspect and present a written offer to repair or compensate
    Contractor gets 30 days after receipt of written notice of defects to inspect and present a written offer to repair or compensate.
     15 O.S. §765.6
  • If suit filed without fulfilling conditions, contractor is entitled to a stay
    If suit filed without fulfilling conditions, contractor is entitled to a stay.
     15 O.S. §765.6
  • Homeowner cannot file a lawsuit until conditions precedent are met
    Homeowner cannot file a lawsuit until conditions precedent are met.
     15 O.S. §765.6
None of these obligations are confirmed for Dennis Friendship Community 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: Oklahoma legal corpus. Last verified April 15, 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 Oklahoma community Dennis Friendship Community 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 · 189 days
High IRC §528
Failure to file timely incurs IRS penalties and interest.
Source: Oklahoma 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 — Oklahoma 2 record categories required by statute
Under Oklahoma 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. 2014 · Active
Type Unclassified Entity
Governing Statute 60 Okla. Stat. §851 et seq. (HOA Act)
State Oklahoma
City Jay
ZIP 74346
County Delaware
Registration IRS Exempt Organizations Business Master File · IRS-472227795
Formed Nov. 1, 2014
Status Active
Area HOA Fees Delaware County median $506/mo
Median Monthly Fee $506
Average Monthly Fee $548
Typical Range $394 – $649
Units Paying Fees 104
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). Delaware County, OK.
Natural Hazard Exposure Delaware County
Relatively Moderate
Ice Storm Very High
Heat Wave Relatively Moderate
Wildfire Relatively Moderate
Strong Wind Relatively High
Tornado Relatively Moderate
Social Vulnerability Very High
Community Resilience Very Low
Expected Annual Loss $29,945,927
Source: FEMA National Risk Index v1.20, Delaware County, OK
Applicable Laws 9 Oklahoma statutes
General Corporation Act — Director Standards and Reliance Oklahoma HOAs formed as corporations are subject to the general corporate fiduciary standard. Directors are fully protected in relying in good faith upon corporation records and on information or reports from officers, employees, committees, or experts selected with reasonable care. Majority of total directors constitutes a quorum (cannot be less than one-third).
Statute of Repose — Construction Deficiency No tort action for construction deficiency may be brought more than 10 years after substantial completion. Covers deficiencies in design, planning, supervision, observation of construction, or construction of an improvement to real property. Discovery rule does not apply.
Unit Ownership Estate Act — Short Title Oklahoma's condominium act, covering approximately 30 sections. Each unit is an independent estate in real property. Addresses creation, declarations, bylaws, common elements, assessments, liens, insurance, damage/destruction, and obsolescence. Separate from the Real Estate Development Act (§851-858) that governs HOAs.
Unit Ownership Estate Act — Bylaw Requirements Bylaws must provide for form of administration, meeting procedures (including that a majority is required for decisions), common element maintenance, expense collection methods, personnel, use restrictions, and amendment procedures. Amendment requires 75% of unit owners by percentage of common element interest. Does not prescribe specific meeting notice periods — these are set by bylaws.
Unit Ownership Estate Act — Liens for Unpaid Common Expenses Condominium assessment lien with priority over all liens except past-due tax assessments, prior judgments, prior-recorded mortgages, and certain mechanic's liens. Foreclosed by judicial action only (like a mortgage on real property). First mortgage foreclosure purchaser is not liable for assessments that became due before acquisition. Unpaid amounts become common expenses of all remaining owners.
Unit Ownership Estate Act — Grantee Liability and Assessment Statement Grantee of a condominium unit is jointly and severally liable with the grantor for all unpaid assessments up to conveyance. Grantee is entitled to a statement from the manager or board setting forth unpaid assessments. Grantee is not liable for amounts beyond the statement. This is Oklahoma's closest analog to a condo resale certificate — limited to unpaid assessments.
Construction Contracts — Notice and Offer to Repair Contractor gets 30 days after receipt of written notice of defects to inspect and present a written offer to repair or compensate. Homeowner cannot file a lawsuit until conditions precedent are met. If suit filed without fulfilling conditions, contractor is entitled to a stay. Applies regardless of whether notice provisions are included in the construction contract.
Real Estate Development Act — Owners Association Core HOA statute in Oklahoma. Owners associations may be formed for management of common areas and enforcement of restrictions. Grants assessment authority with lien and foreclosure powers. Lien may be foreclosed judicially or nonjudicially (with or without power of sale). Written notice to homeowner upon joining is a prerequisite to placing a lien. Prevailing party entitled to attorney fees.
Copies of Recorded Covenants and Restrictions Title company closing a sale must provide the buyer with a copy of all recorded covenants and restrictions. Buyer may be charged no more than $25. Copy must be provided prior to or at closing by mail, hand delivery, or electronic delivery. This is a document delivery requirement, not a financial disclosure or assessment status certificate.
Source: Oklahoma state legislature. Statutes verified by CommunityPay.
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Certificates and questionnaires

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Dennis Friendship Community Association is not on CommunityPay, so CommunityPay does not issue its resale certificate or answer lender questionnaires for it. Order those from the association or its manager.

On the board for Dennis Friendship Community Association? Set it up on CommunityPay and certificates come from the ledger in seconds.

For board members

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For residents

Want to pay dues online?

Share this page with your board. When they set up CommunityPay, you can pay dues by bank transfer.

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Community data is sourced from Oklahoma 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 Dennis Friendship Community Association unless explicitly stated.
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