HOAs & Condos in Bend, OR

328 registered communities in Bend across Deschutes County and 1 adjacent county. Mix: 149 homeowners association, 105 unclassified entity, 53 condominium, 11 property owners association, 10 townhome association. Median monthly HOA/condo fee in the county is $370.

Resale Certificate Compliance 11 disclosures required
OR
A planned community in Bend, OR is governed by ORS 94.670 (Oregon Planned Community Resale Disclosure (synthesized)). Oregon law requires 11 specific disclosures when a unit is sold. The certificate must be delivered within 10 days of request.
  • Written statement of unpaid regular and special assessments, fines, interest, and late charges ORS 94.670(8)(a)
    The association shall provide, within 10 business days of receipt of a written request from an owner, a written statement that provides: (A) The amount of assessments due from the owner and unpaid at the time the request was received, including: (i) Regular and special assessments; (ii) Fines and other charges; (iii) Accrued interest; and (iv) Late payment charges. (B) The percentage rate at which interest accrues on assessments that are not paid when due. (C) The percentage rate used to calculate the charges for late payment or the amount of a fixed charge for late payment. ORS 94.670(8)(a) · verified Sep 2026
  • Approved special assessments included in the assessment statement ORS 94.670(8)(a)
    The association shall provide, within 10 business days of receipt of a written request from an owner, a written statement that provides: (A) The amount of assessments due from the owner and unpaid at the time the request was received, including: (i) Regular and special assessments; (ii) Fines and other charges; (iii) Accrued interest; and (iv) Late payment charges. (B) The percentage rate at which interest accrues on assessments that are not paid when due. (C) The percentage rate used to calculate the charges for late payment or the amount of a fixed charge for late payment. ORS 94.670(8)(a) · verified Sep 2026
  • Current operating budget of the association ORS 94.670(10)(c)
    (c) The current operating budget of the association. ORS 94.670(10)(c) · verified Sep 2026
  • Reserve study (as described in ORS 94.595) ORS 94.670(10)(d)
    (d) The reserve study, if any, described in ORS 94.595. ORS 94.670(10)(d) · verified Sep 2026
  • Hazard and public liability insurance maintained on common property ORS 94.675(1)(a)
    Insurance for all insurable improvements in the common property against loss or damage by fire or other hazards, including extended coverage, vandalism and malicious mischief. The insurance shall cover the full replacement costs of any repair or reconstruction in the event of damage or destruction from any such hazard if the insurance is available at reasonable cost. ORS 94.675(1)(a) · verified Sep 2026
  • Declaration, bylaws, recorded plat, and association rules and regulations ORS 94.670(10)(a)
    (a) The declaration and bylaws, including amendments or supplements in effect, the recorded plat, if feasible, and the association rules and regulations currently in effect. ORS 94.670(10)(a) · verified Sep 2026
  • Restrictions on alienation of lots stated in the declaration ORS 94.580(2)(l)
    Any restrictions on the alienation of lots. Any such restriction created by any document other than the declaration may be incorporated by reference to the official records of the county where the property is located. ORS 94.580(2)(l) · verified Sep 2026
  • Restrictions on use, maintenance, or occupancy of lots stated in the declaration ORS 94.580(2)(o)
    A statement of any restriction on the use, maintenance or occupancy of lots or units. ORS 94.580(2)(o) · verified Sep 2026
  • Maintenance plan (reviewed and updated as necessary by the board) ORS 94.595(4)
    The board of directors shall review and update the maintenance plan described under this subsection as necessary. ORS 94.595(4) · verified Sep 2026
  • Most recent annual financial statement maintained for duplication ORS 94.670(10)(b)
    (b) The most recent financial statement prepared pursuant to subsection (4) of this section. ORS 94.670(10)(b) · verified Sep 2026
  • Annual financial statement (balance sheet and income/expenses) ORS 94.670(4)(a)
    Within 90 days after the end of the fiscal year, the board of directors shall: (a) Prepare or cause to be prepared an annual financial statement consisting of a balance sheet and income and expenses statement for the preceding fiscal year ORS 94.670(4)(a) · verified Sep 2026
Oregon does not cap RC preparation fees by statute. In CommunityPay, an association's manager, accounting firm, or staff generates the certificate from its books, with no per-certificate charge from CommunityPay.
197,964
County Population
Relatively Moderate
FEMA Risk Rating
$370
Median Monthly HOA Fee
$225 – $440
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 969 units.
Wildfire
Relatively High
$13,011,174/yr expected loss
Volcanic Activity
Relatively Moderate
$553,968/yr expected loss
Inland Flooding
Relatively Moderate
$41,812,062/yr expected loss
Avalanche
Relatively High
$1,918,000/yr expected loss
Lightning
Relatively High
$1,226,369/yr expected loss
Source: FEMA National Risk Index. Expected Annual Loss represents the modeled annualized cost of building damage and direct losses across the county, not a per-property figure.
Integrated Property Management LLC Verified
51 community engagements · manages 51 associations nationally
Aperion Management Group, LLC Verified
50 community engagements · manages 50 associations nationally
Crystal Lake Community Management, Inc. Verified
43 community engagements · manages 43 associations nationally
Fieldstone Management, LLC Verified
27 community engagements · manages 27 associations nationally
Mill View Professional Services, Inc. Verified
6 community engagements · manages 7 associations nationally
Cascadia Management Inc. Verified
5 community engagements · manages 5 associations nationally
On Call LLC Verified
5 community engagements · manages 6 associations nationally
Fhm Services LLC Verified
3 community engagements · manages 3 associations nationally
Oncall LLC Verified
2 community engagements · manages 2 associations nationally
Resort Resources, Inc. Verified
2 community engagements · manages 2 associations nationally
"Verified" indicates a confirmed engagement with a community in Bend. HQ-only entries are companies headquartered in Bend with potential service area overlap.
328 Bend communities operate under Oregon law. The primary governing statute is ORS 94.550 — to 94.783. Definitions for the Oregon Planned Community Act (ORS 94.550 to 94.783). Defines core terms used throughout the chapter — "association," "common property," "declarant," "lot," "planned community," "purchaser," and others. Cited by other statutes in the chapter; no per-subsection disclosure obligations of its own.
Name Type Formed
27 ELM HOMEOWNERS' ASSOCIATION Homeowners Association 2017
8TH STREET COTTAGES HOMEOWNERS ASSOCIATION INC Homeowners Association 2013
919 BOND CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2008
ACAPELLA HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2023
ALBERELLO HOMEOWNERS ASSOCIATION Homeowners Association 2001
ANDERSON RANCH OWNERS ASSOCIATION, INC. Unclassified Entity 2002
ARCHIE BRIGGS CONDOMINIUM OWNER ASSOCIATION Condominium 2008
ARDEN VILLAGE OWNERS ASSOCIATION Unclassified Entity 2016
ARROWOOD SUMMIT HOME OWNERS ASSOCIATION Homeowners Association 2003
ARROWOOD SUMMIT II HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
ASPEN CREEK HOMEOWNERS ASSOCIATION Homeowners Association 2005
ASSOCIATION OF UNIT OWNERS OF CENTURY DRIVE CONDOMINIUM Condominium 2021
ASSOCIATION OF UNIT OWNERS OF CENTURY PLAZA CONDOMINIUMS Condominium 2002
ASSOCIATION OF UNIT OWNERS OF FIRESIDE LODGE CONDOMINIUMS Condominium 2017
ASSOCIATION OF UNIT OWNERS OF POWDER VILLAGE CONDOMINIUM Condominium 1995
ASSOCIATION OF UNIT OWNERS OF QUELAH CONDOMINIUMS Condominium 2017
ASSOCIATION OF UNIT OWNERS OF THE HAWTHORNE TOWNHOMES Townhome Association 2012
ASSOCIATION OF UNIT OWNERS OF THE SKI HOUSE I CONDOMINIUM SECTION OF MT. BACHELOR VILLAGE Condominium 2022
ASSOCIATION OF UNIT OWNERS OF THE SKI HOUSE II CONDOMINIUM SECTION OF MT. BACHELOR VILLAGE Condominium 2022
ASSOCIATION OF UNIT OWNERS OF THE SKI HOUSE III CONDOMINIUM SECTION OF MT. BACHELOR VILLAGE Condominium 2022
ATRIUM AT THE OLD MILL CONDOMINIUM ASSOCIATION Condominium 2016
AWBREY BUTTE OWNERS ASSOCIATION, INC Unclassified Entity 2008
AWBREY COURT HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
AWBREY GLEN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1992
AWBREY MEADOWS PROPERTY OWNERS ASSOCIATION Property Owners Association 1972
AWBREY VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1997
AWBREY VILLAGE HOMEOWNERS ASSOCIATION PHASES 3-6, INC. Homeowners Association 2002
AWBREY WOODS OWNERS ASSOCIATION Unclassified Entity 2013
BADGER FOREST OWNERS ASSOCIATION Unclassified Entity 2011
BASE CAMP HOMEOWNERS' ASSOCIATION Homeowners Association 2015
BEACHCOMBERS HAVEN CONDOMINIUM ASSOCIATION Condominium 2025
BEAR CREEK ESTATES P.U.D. HOMEOWNERS ASSOCIATION Homeowners Association 2006
BEND RIVER HEIGHTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
BLAKELY CONDOMINIUM ASSOCIATION Condominium 2018
BOND BUSINESS CONDOMINIUM OWNERS' ASSOCIATION Condominium 2007
BRAEBERN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
BRECKENRIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2007
BRENTWOOD ESTATES OWNERS ASSOCIATION Unclassified Entity 2005
BROKEN TOP COMMUNITY ASSOCIATION, INC. Unclassified Entity 1992
BROOKS CAMP VILLAGE OWNERS ASSOCIATION, INC. AT THE PINES AT SISTERS Unclassified Entity 2000
BROOKSMILL ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2015
BROOKTREE ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 2017
BULL RIDGE OWNERS ASSOCIATION Unclassified Entity 2013
BUNGALOWS AT NORTHWEST CROSSING CONDOMINIUM ASSOCIATION Condominium 2015
BURNING TREE VILLAGE HOME OWNERS ASSOCIATION Homeowners Association 1979
BUTTERNUT CREEK OWNERS ASSOCIATION Unclassified Entity 2017
CAMBRIA HOMEOWNERS ASSOCIATION Homeowners Association 2006
CAMPANELLA ESTATES OWNERS ASSOCIATION Unclassified Entity 2017
CANAL VIEW HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
CANYON RIM VILLAGE HOMEOWNERS ASSOCIATION, INC Homeowners Association 1999
CANYON TRAILS HOMEOWNERS' ASSOCIATION Homeowners Association 2023
CASCADE COURTYARD CONDOMINIUMS OWNER ASSOCIATION Condominium 2007
CASCADE VIEW HOMEOWNER'S ASSOCIATION Unclassified Entity 2005
CASCADE VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2013
CENTRAL OREGON REGIONAL CHAPTER OF COMMUNITY ASSOCIATIONS INSTITUTE INC. Unclassified Entity 2017
CHARBONNEAU RANGE OWNERS ASSOCIATION Unclassified Entity 2017
CHESTNUT PARK HOMEOWNERS ASSOCIATION Homeowners Association 2003
CITY VIEW OWNERS ASSOCIATION, INC. Unclassified Entity 1989
CLEARPINE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2015
CLOUD NINE ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
COLLIER OWNERS ASSOCIATION Unclassified Entity 2023
COLUMBIA VIEW SUITES CONDOMINIUMS OWNERS' ASSOCIATION, INC. Condominium 2008
COMPASS CORNER OWNERS ASSOCIATION Unclassified Entity 2015
COMPASS PARK TOWNHOMES HOMEOWNERS ASSOCIATION, INC. Townhome Association 2006
COPPER SPRINGS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2008
COPPERSTONE HOMEOWNER'S ASSOCIATION Unclassified Entity 2002
COTTAGE CANYON HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
COULTER SUBDIVISION HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2005
CRESCENT CREEK OWNERS ASSOCIATION Unclassified Entity 2004
CRESCENT HEIGHTS HOMEOWNERS ASSOCIATION Homeowners Association 2025
CRESCITA HOMEOWNERS ASSOCIATION Homeowners Association 2021
CROSSROADS PROPERTY OWNERS ASSOCIATION Property Owners Association 1972
CROSSWINDS HOMEOWNERS' ASSOCIATION Homeowners Association 2007
DEPOE HILLS OWNERS ASSOCIATION Unclassified Entity 2020
DESCHUTES LANDING OWNERS ASSOCIATION Unclassified Entity 2005
DESCHUTES RIVER RANCH COMMUNITY ASSOCIATION, INC. Unclassified Entity 2003
DESCHUTES RIVER RECREATION HOMESITE PROPERTY OWNERS UNIT 6, PART 1 & 2 Property Owners Association 2003
DESCHUTES RIVER RECREATION HOMESITES PROPERTY OWNERS ASSOCIATION UNIT 9 (PARTS 1 AND 2) Property Owners Association 2009
DESCHUTES RIVER WOODS BLOCK ZZ HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1988
DISCOVERY WEST OWNERS ASSOCIATION Unclassified Entity 2019
EAGLE POINT ESTATES HOMEOWNER ASSOCIATION Unclassified Entity 2021
EAGLE POINT GOLF COMMUNITY HOMEOWNER'S ASSOC. Unclassified Entity 2000
EASTON RESIDENTIAL OWNERS ASSOCIATION Unclassified Entity 2022
EDWARDS ADDITION HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2002
ELKAI WOODS FRACTIONAL HOMEOWNERS ASSN. Homeowners Association 2002
ELKAI WOODS HOMEOWNERS ASSN. Homeowners Association 2002
ELK LAKE CABIN OWNERS ASSOCIATION Unclassified Entity 2017
ELK RIDGE CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2006
ELM PARK HOMEOWNERS ASSOCIATION Homeowners Association 2020
EMERALD VIEW ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 2018
EMPIRE CROSSING HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
ENCHANTMENT ON THE DESCHUTES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
FAIRHAVEN VISTA OWNERS ASSOCIATION INC Unclassified Entity 2014
FAIRHAVEN VISTA PHASE V TOWNHOMES OWNERS ASSOCIATION, INC. Townhome Association 2017
FAIRVIEW ADDITION HOMEOWNERS' ASSOCIATION Homeowners Association 2016
FAIRWAY HEIGHTS OWNERS ASSOCIATION, INC. Unclassified Entity 1997
FAIRWAY VILLAGE CONDOMINIUM UNIT OWNERS ASSOCIATION, INC. Condominium 2005
FARMSTEAD 12 HOMEOWNERS ASSOCIATION Homeowners Association 2018
FEATHER RIDGE HOMEOWNERS' ASSOCIATION Homeowners Association 2025
FIELDSTONE CROSSING 2 HOMEOWNERS' ASSOCIATION Homeowners Association 2017
FIELDSTONE CROSSING OWNERS ASSOCIATION Unclassified Entity 2004
FINDLEY HEIGHTS HOMEOWNERS ASSOCIATION Homeowners Association 2015
FIREHALL CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2005
FOXBOROUGH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
FRANKLIN CROSSING CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2006
FREMONT PLACE OWNERS ASSOCIATION Unclassified Entity 2007
FREMONT ROW CONDOMINIUM OWNERS' ASSOCIATION Condominium 2018
FUEL BUILDING CONDOMINIUM OWNERS' ASSOCIATION Condominium 2006
GALVESTON AVE CONDOMINIUM OWNERS ASSOCIATION Condominium 2023
GARAJMAHAL CONDOMINIUM OWNER ASSOCIATION Condominium 2008
GARDEN GROVE IN BEAVERTON HOMEOWNERS' ASSOCIATION Homeowners Association 2006
GARDENSIDE HOME OWNERS ASSOCIATION Homeowners Association 2005
GLACIER RIDGE HOMEOWNERS ASSOCIATION Homeowners Association 2002
GOLF PALISADES OWNERS ASSOCIATION, INC. Unclassified Entity 2002
GRAND PRAIRIE CROSSING HOMEOWNERS' ASSOCIATION Homeowners Association 2015
GRANDVIEW HOMEOWNERS ASSOCIATION Homeowners Association 2020
GREYHAWK CONDOMINIUMS OWNER ASSOCIATION Condominium 2007
HAYDEN SQUARE OWNERS ASSOCIATION Unclassified Entity 2004
HERITAGE PLACE HOME OWNERS ASSOCIATION Homeowners Association 2006
HIDDEN RIDGE OWNERS ASSOCIATION Unclassified Entity 2018
HIGHER GROUND HOMEOWNERS ASSOCIATION Homeowners Association 1997
HILLSIDE PARK ADDITION PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 1989
HOMEOWNERS OF NOTTINGHAM SQUARE ASSOCIATION Homeowners Association 1973
HUNTER'S HIGHLAND HOMEOWNERS ASSOCIATION Homeowners Association 2001
INDIAN ROCK ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 2004
IRONHORSE HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2006
ISLAND PARK HOME OWNERS ASSOCIATION Homeowners Association 2015
JACKSON HOLLOW OWNERS ASSOCIATION Unclassified Entity 2016
J.D. RANCH ESTATES PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 2017
JOSIE MEADOWS HOMEOWNERS' ASSOCIATION Homeowners Association 2020
JULINA PARK OWNERS ASSOCIATION Unclassified Entity 2007
JUNIPER GLEN NORTH HOMEOWNERS' ASSOCIATION Homeowners Association 2007
KORAZON HOMEOWNERS ASSOCIATION Homeowners Association 2018
KORBIN MEADOWS HOMEOWNERS ASSOCIATION Homeowners Association 2023
LADERA RIDGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2006
LARKSPUR VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2003
LAVA RIDGES OWNERS ASSOCIATION Unclassified Entity 2003
LAVA TUFF HOUSE CONDOMINIUM ASSOCIATION, INC. Condominium 2009
LEWIS AND CLARK TOWNHOMES HOMEOWNERS ASSOCIATION Townhome Association 2004
LODGES AT BACHELOR VIEW HOMEOWNERS ASSOCIATION Homeowners Association 2018
LOWER MEADOW BUSINESS CONDOMINIUM ASSOCIATION, INC. Condominium 2007
LUDERMAN CROSSING OWNERS ASSOCIATION Unclassified Entity 2019
MAJESTIC RIDGE OWNERS ASSOCIATION, INC. Unclassified Entity 2015
MARKEN HEIGHTS HOMEOWNERS ASSOCIATION Homeowners Association 2017
MARK'S PLACE HOMEOWNERS ASSOCIATION Homeowners Association 2023
MCCALL LANDING OWNERS ASSOCIATION Unclassified Entity 2008
MCCLANNAHAN SUMMIT HOMEOWNERS' ASSOCIATION Homeowners Association 2023
MCKINLEY GREENS CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 2013
MERIDIAN OWNERS ASSOCIATION Unclassified Entity 2024
MILEPOST 1 OWNERS ASSOCIATION Unclassified Entity 2017
MILL A BUILDING CONDOMINIUM OWNERS ASSOCIATION Condominium 2008
MIRADA COMMUNITY ASSOCIATION Unclassified Entity 2008
MIRAGE HOMEOWNERS' ASSOCIATION Homeowners Association 2019
MONTEREY MEWS CONDOMINIUM ASSOCIATION, INC. Condominium 2014
MONTERRA CONDOMINIUMS AT AWBREY BUTTE OWNERS' ASSOCIATION Condominium 2007
MORGAN FARM OWNERS ASSOCIATION Unclassified Entity 2019
MOUNTAIN PINES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2001
MOUNTAIN VIEW ESTATES P.U.D. HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2020
MOUNTAIN VIEW PARK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1993
NEWPORT HEIGHTS OWNERS ASSOCIATION Unclassified Entity 2014
NEWPORT HILLS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1998
NORTHCREST HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2006
NORTHPOINTE OWNERS ASSOCIATION, INC. Unclassified Entity 2003
NORTH RIM HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2004
NORTHSIDE TERRACE OWNERS ASSOCIATION, INC. Unclassified Entity 1998
NORTH STAR HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2009
NORTHWEST COMMONS TOWNHOMES ASSOCIATION, INC. Townhome Association 2007
NORTHWEST COTTAGES HOMEOWNERS ASSOCIATION Homeowners Association 2021
NORTHWEST CROSSING CONDOMINIUM ASSOCIATION Condominium 2012
OAK TREE HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2001
OAKVIEW PUD HOMEOWNERS ASSOCIATION Homeowners Association 2006
OCHOCO POINTE OWNERS ASSOCIATION Unclassified Entity 2004
OLD MILL LANDING 2 OWNERS ASSOCIATION Unclassified Entity 2020
OLD MILL LANDING OWNERS ASSOCIATION Unclassified Entity 2016
ON THE GREEN CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 1978
OREGON WATER WONDERLAND PROPERTY OWNERS ASSOCIATION, UNIT I Property Owners Association 1989
OREGON WATER WONDERLAND PROPERTY OWNERS ASSOCIATION, UNIT II, INC. Property Owners Association 1989
ORENCO LANDING HOMEOWNERS ASSOCIATION Homeowners Association 2013
ORION GREENS HOMEOWNER ASSOCIATION Unclassified Entity 2007
OTTER RUN HOMEOWNERS' ASSOCIATION Homeowners Association 2002
OVERLOOK OWNERS ASSOCIATION Unclassified Entity 2016
OWEN RIDGE HOMEOWNERS ASSOCIATION Homeowners Association 2025
PACIFIC CASCADE HEIGHTS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2017
PARKLAND HOMEOWNERS ASSOCIATION Homeowners Association 2013
PARK TERRACE CONDOMINIUMS ASSOCIATION Condominium 2019
PARKWOOD TOWNHOMES HOMEOWNERS' ASSOCIATION, INC. Townhome Association 2001
PAULINA PEAKS OWNERS ASSOCIATION, INC. Unclassified Entity 2004
PETROSA RESIDENTIAL OWNERS ASSOCIATION Unclassified Entity 2021
PETTIGREW PLACE HOMEOWNERS ASSOCIATION Homeowners Association 2015
PHEASANT RUN HOMEOWNERS' ASSOCIATION INC. Homeowners Association 2006
PINEBROOK HOMEOWNERS ASSOCIATION Homeowners Association 1976
PINES AT PILOT BUTTE OWNERS ASSOCIATION Unclassified Entity 2000
PIONEER PARK CONDOMINIUM ASSOCIATION Condominium 2014
PIONEER PARK INDUSTRIAL CONDOMINIUMS ASSOCIATION Condominium 2007
PLAINVIEW RANCH HOME OWNERS ASSOCIATION, INC. Homeowners Association 1986
POINTS WEST HOMEOWNERS' ASSOCIATION Homeowners Association 2007
PONDEROSA ESTATES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2007
POPLAR HOMEOWNERS ASSOCIATION Homeowners Association 2023
POPLAR PARK OWNERS ASSOCIATION Unclassified Entity 2005
PRAIRIE CROSSING OWNERS ASSOCIATION Unclassified Entity 2018
Institutional Reference

Reserve study standards in Oregon

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.

Cadence
Annual
Authority
ORS 100.175(3)(a)
Scope
Component register, condition assessment, funding analysis

Oregon Condominium Act (ORS 100.175(3)(a)) requires the board to annually determine reserve account requirements by conducting a reserve study or reviewing and updating an existing study.

Most state regimes also require:

  • Annual disclosure of reserve funding status to owners.
  • Segregation of reserve funds from operating cash.
  • Board approval of the funding plan tied to the most recent study.

A reserve study has three parts:

  • Component register — every long-lived asset the association is responsible for maintaining.
  • Condition assessment — current age, remaining useful life, observable wear.
  • Funding analysis — how much the association must contribute each year so cash is available when components reach end-of-life.

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 Oregon

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.

Oregon 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.

Full notice requirements appear in ORS 94.550 and the specific subsections cited in the Requirements tab.

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.

Voting and quorum procedures are codified in ORS 94.550 and applicable subsections. Specific procedures may be modified in the declaration and bylaws within statutory limits.

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.

Records retention and inspection rights are codified in ORS 94.550 and related subsections. A records-request response that misses the statutory deadline may expose the association to a per-day penalty.

Related tools
Free download · Email gated

Download the Oregon HOA & Condo Compliance Checklist

One PDF — every active Oregon 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
Email me the PDF
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Oregon Secretary of State public registrations, FEMA National Risk Index, U.S. Census Bureau, and CommunityPay's management company graph.
United States Payments and Accounting Governance Infrastructure for Community Associations
Login