HOAs & Condos in Portland, OR

1762 registered communities in Portland across Multnomah County and 3 adjacent counties. Mix: 1167 condominium, 382 homeowners association, 159 unclassified entity, 52 townhome association, 2 property owners association. Median monthly HOA/condo fee in the county is $448.

Resale Certificate Compliance 11 disclosures required
OR
A planned community in Portland, 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.
814,167
County Population
Relatively High
FEMA Risk Rating
$448
Median Monthly HOA Fee
$307 – $637
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 17,631 units.
Earthquake
Relatively High
$326,183,786/yr expected loss
Landslide
Relatively Moderate
$295,655/yr expected loss
Heat Wave
Relatively High
$9,985,070/yr expected loss
Inland Flooding
Relatively High
$91,170,854/yr expected loss
Volcanic Activity
Relatively Moderate
$159,024/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.
Community Management, Inc. Verified
140 community engagements · manages 154 associations nationally
Superior Community Management Company Verified
106 community engagements · manages 111 associations nationally
Cascade Real Estate Services, LLC Verified
67 community engagements · manages 70 associations nationally
Nova Association Management Partners LLC Verified
58 community engagements · manages 82 associations nationally
Commonwealth Association Management, Inc. Verified
47 community engagements · manages 49 associations nationally
Kappes Miller Management, LLC Verified
23 community engagements · manages 33 associations nationally
Northstar Community Management LLC Verified
21 community engagements · manages 21 associations nationally
Sterling Community Management, Inc. Verified
11 community engagements · manages 11 associations nationally
Sunset Corridor Services Group, LLC Verified
7 community engagements · manages 8 associations nationally
Community Association Partners, LLC Verified
6 community engagements · manages 56 associations nationally
"Verified" indicates a confirmed engagement with a community in Portland. HQ-only entries are companies headquartered in Portland with potential service area overlap.
1762 Portland communities operate under Oregon law. The primary governing statute is ORS 94.550 — Definitions for 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
TITAN TERRACE HOMEOWNERS ASSOCIATION Homeowners Association 1984
TOFTE FARMS OWNERS ASSOCIATION Unclassified Entity 2000
TOLMAN ESTATES CONDOMINIUM ASSOCIATION Condominium 2021
TONQUIN WOODS AT VILLEBOIS HOMEOWNERS ASSOCIATION Homeowners Association 2012
TONQUIN WOODS AT VILLEBOIS II HOMEOWNERS ASSOCIATION Homeowners Association 2014
TOPPING CORNER HOMEOWNER ASSOCIATION Unclassified Entity 2020
TOWNE PARK ESTATES CONDOMINIUM ASSOCIATION Condominium 2006
TOWNHOMES AT ARBOR LAKES OWNERS ASSOCIATION Townhome Association 2013
TOWNHOMES AT ARBOR VILLEBOIS OWNERS ASSOCIATION Townhome Association 2005
TOWNHOMES AT SCHOLLS HEIGHTS OWNERS ASSOCIATION Townhome Association 2022
TOWNHOMES ON MAIN OWNERS ASSOCIATION Townhome Association 2005
TOWNHOMES WITH A VIEW CONDOMINIUM ASSOCIATION Condominium 2007
TOWNHURST ESTATES CONDOMINIUM ASSOCIATION Condominium 2019
TRAVERTINE CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2006
TREEHILL PARK HOMEOWNERS ASSN. Homeowners Association 1991
TREMONT CONDOMINIUM OWNERS ASSOCIATION Condominium 2024
TRILLIUM CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2017
TROLLEY BARN COMMONS HOMEOWNERS ASSOCIATION Homeowners Association 2005
TROPEA CONDOMINIUM ASSOCIATION Condominium 2018
TRYON HIGHLANDS HOMEOWNERS ASSOCIATION Homeowners Association 2006
TRYON VIEW CONDOMINIUM OWNERS' ASSOCIATION Condominium 2023
TUALATIN GREENS CONDOMINIUMS OWNERS' ASSOCIATION Condominium 1997
TUDOR ARMS CONDOMINIUMS OWNERS ASSOCIATION Condominium 2006
TUDOR GARDENS CONDOS HOMEOWNERS ASSOCIATION Condominium 2015
TURNBERRY CONDOMINIUM ASSOCIATION Condominium 2003
TWELFTH AVENUE CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2023
TWENTY-EIGHTH CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2023
TWENTY EIGHTH STREET CONDOMINIUMS OWNERS ASSOCIATION Condominium 2007
TWENTY EIGHT PLACE CONDOMINIUM OWNERS ASSOCIATION Condominium 2020
TWENTY EIGHT SOUTHEAST CONDOMINIUM OWNERS' ASSOCIATION Condominium 2018
TWENTY FIFTY OVERLOOK CONDOMINIUM OWNERS ASSOCIATION Condominium 2019
TWENTY-ONE IRVINGTON CONDOMINIUMS OWNERS ASSOCIATION Condominium 2006
TWENTY-SECOND AVENUE TOWNHOMES CONDOMINIUM OWNERS ASSOCIATION Condominium 2007
TWENTY-SEVEN NINETEEN CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2023
TWENTY-SIX MORGAN CONDOMINIUM ASSOCIATION Condominium 2023
TWENTY-SIXTH CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2023
TWENTY TWO PARK VIEW CONDOMINIUM OWNERS ASSOCIATION Condominium 2025
TWIN CREEKS HOMEOWNERS ASSOCIATION Homeowners Association 2013
TWO PLUM PARK CONDOMINIUMS UNIT OWNER'S ASSOCIATION, INC. Condominium 2015
TWO-THREE CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2017
UNIT OWNERS ASSOCIATION OF HANCOCK-40 BUILDING CONDOMINIUMS, INC. Condominium 2003
UNIT OWNERS ASSOCIATION OF MADISON ON EIGHTEENTH CONDOMINIUMS, INC. Condominium 2017
UNIT OWNERS ASSOCIATION OF VICTORIA SQUARE CONDOMINIUMS, INC. Condominium 2009
UNIVERSITY PARK CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2005
UNIVERSITY ROW CONDOMINIUM OWNERS' ASSOCIATION Condominium 2024
UPSHUR ROWHOUSES OWNERS ASSOCIATION Unclassified Entity 1988
UPSHUR STREET CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2022
UPTON 4 CONDOMINIUM UNIT OWNERS ASSOCIATION, INC. Condominium 2025
UPTOWN CENTER CONDOMINIUM OWNERS ASSOCIATION Condominium 2011
URBAN CENTER CONDOMINIUM ASSOCIATION Condominium 2002
VANCOUVER COUPLET CONDOMINIUM UNIT OWNER'S ASSOCIATION, INC. Condominium 2014
VANPORT BUILDING CONDOMINIUM OWNERS' ASSOCIATION Condominium 2020
VAN'S VISTA ESTATES CONDOMINIUM ASSOCIATION, INC. Condominium 1996
VAUGHN 24 CONDOMINIUM OWNERS ASSOCIATION Condominium 2006
VENTANA CONDOMINIUMS UNIT OWNERS' ASSOCIATION Condominium 2005
VENTURE COMMERCE CENTER-HILLSBORO CONDOMINIUM ASSOCIATION Condominium 2007
VERTIGO CONDOMINIUMS OWNERS ASSOCIATION, INC. Condominium 2010
VICTORIA ESTATES HOMEOWNER ASSOCIATION Unclassified Entity 2015
VICTORIA GARDENS OWNERS ASSOCIATION Unclassified Entity 2006
VIEW CONDOMINIUM OWNERS' ASSOCIATION Condominium 2007
VIEWPOINT TOWNHOUSE CONDOMINIUMS ASSOCIATION Condominium 2024
VILLA BELLA CONDOMINIUM ASSOCIATION Condominium 2003
VILLA FLORENCE CONDOMINIUM ASSOCIATION Condominium 2000
VILLAGE AT ORENCO OWNERS ASSOCIATION Unclassified Entity 2005
VILLAGE AT SUMMER CREEK HOMEOWNERS ASSOCIATION Homeowners Association 2008
VILLAGE AT WILSONVILLE CONDOMINIUMS OWNERS' ASSOCIATION Condominium 1997
VILLAGE CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2001
VILLAGE ESTATES CONDOMINIUM OWNERS ASSOCIATION Condominium 2006
VILLAGE LOFTS AT MULTNOMAH CONDOMINIUM ASSOCIATION Condominium 2007
VILLAGE OF MULTNOMAH ROWHOMES CONDOMINIUM ASSOCIATION Condominium 2001
VILLARD AND CURTIS CONDOMINIUM OWNERS ASSOCIATION Condominium 2020
VILLAS AT FOREST PARK CONDOMINIUM OWNERS ASSOCIATION Condominium 2007
VILLAS AT PARKROSE CONDOMINIUM ASSOCIATION Condominium 2005
VILLAS ON LAKE OSWEGO CONDOMINIUMS OWNERS ASSOCIATION Condominium 2006
VILLEBOIS VILLAGE CENTER MASTER OWNERS ASSOCIATION Unclassified Entity 2007
VINNI VISTA CONDOMINIUM HOMEOWNERS ASSOC. Condominium 2010
VINTAGE PLACE CONDOMINIUM ASSOCIATION Condominium 2008
VINTAGE ROSE CONDOMINIUM ASSOCIATION Condominium 2008
VIRGINIA STREET ROWHOUSES OWNERS ASSOCIATION Unclassified Entity 2025
VISTA HILLS TOWNHOME CONDOMINIUM ASSOCIATION Condominium 2000
VISTA HOUSE CONDOMINIUMS ASSOCIATION Condominium 1994
VISTA NORTH PEARL CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2018
VOLARE OWNERS ASSOCIATION Unclassified Entity 2007
VOLGA-GERMAN CONDOMINIUMS UNIT OWNER'S ASSOCIATION, INC. Condominium 2015
WADE PARK ESTATES UNIT OWNERS ASSOCIATION Unclassified Entity 1998
WALNUT CREEK OWNERS ASSOCIATION Unclassified Entity 2006
WALNUT PARK CONDOMINIUMS OWNERS ASSOCIATION Condominium 2007
WAPANITIA HOME OWNERS ASSOCIATION Homeowners Association 1968
WATERFRONT PEARL CONDOMINIUM OWNERS ASSOCIATION Condominium 2008
WATERSHED CONDOMINIUM ASSOCIATION Condominium 2008
WATERSIDE CONDOMINIUM ASSOCIATION Condominium 2003
WAVERLEIGH CONDOMINIUMS OWNERS ASSOCIATION Condominium 2005
WAVERLEIGH HEIGHTS CONDOMINIUM OWNERS ASSOCIATION Condominium 2014
WAVERLEIGH PLACE CONDOMINIUM OWNERS ASSOCIATION Condominium 2023
WAVERLY LANDING CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2000
WAY ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 2008
WEBSTER CORNER CONDOMINIUM OWNERS ASSOICATION Condominium 2017
WEBSTER ROW CONDOMINIUM UNIT OWNER'S ASSOCIATION, INC. Condominium 2015
WEBSTER STREET CONDOMINIUM OWNERS ASSOCIATION Condominium 2018
WEIDLER CONDOMINIUM OWNERS' ASSOCIATION Condominium 2019
WERNER'S CORNER HOMEOWNERS ASSOCIATION Homeowners Association 2003
WESTANNA CONDOMINIUM ASSOCIATION Condominium 2018
WESTHAVEN ESTATES HOMEOWNER ASSOCIATION Unclassified Entity 2015
WEST HAVEN WOODS HOMEOWNERS ASSOCIATION Homeowners Association 2017
WEST HAYDEN ISLAND MOORAGE OWNERS ASSOCIATION Unclassified Entity 1997
WEST LAKE GROVE TOWNHOMES OWNERS ASSOCIATION Townhome Association 2024
WESTLAKE VILLAGE CONDOMINIUM HOMEOWNERS ASSOCIATION Condominium 2003
WEST LINN OLD TOWN CONDOMINIUM ASSOCIATION Condominium 2004
WESTMONT HOMEOWNERS ASSOCIATION Homeowners Association 2016
WESTMORELAND PLACE CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC Condominium 2023
WESTMORELAND TOWNHOUSES CONDOMINIUMS OWNERS ASSOCIATION Condominium 2021
WESTMORELAND VILLAGE CONDOMINIUM ASSOCIATION Condominium 2007
WESTMORELAND VILLAS CONDOMINIUM ASSOCIATION Condominium 2022
WEST PARK COMMUNITY ASSOCIATION, INC. Unclassified Entity 2000
WESTSIDE CONDOMINIUMS OWNER'S ASSOCIATION, INC Condominium 2007
WEST SYLVAN ESTATES OWNERS ASSOCIATION Unclassified Entity 2019
WESTVIEW HOMEOWNERS ASSOCIATION Homeowners Association 2004
WESTVIEW MANOR CONDOMINIUMS OWNERS ASSOCIATION Condominium 2007
WESTVIEW RIDGE HOMEOWNERS ASSOCIATION Homeowners Association 2012
WHEELER FARMS HOMEOWNERS ASSOCIATION Homeowners Association 2019
WHIPPLE SUBDIVISION HOMEOWNERS ASSOCIATION Homeowners Association 2024
WICKERSHAM CONDOMINIUMS OWNERS ASSOCIATION Condominium 2005
WILCOX ESTATES HOME OWNERS ASSOCIATION Homeowners Association 1956
WILDER HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2010
WILLAMETTE CONDOMINIUM UNIT OWNERS ASSOCIATION, INC. Condominium 2024
WILLAMETTE OVERLOOK HOMEOWNERS' ASSOCIATION Homeowners Association 2000
WILLIAMS FIVE CONDOMINIUM OWNERS ASSOCIATION Condominium 2008
WILLO PLACE CONDOMINIUM HOMEOWNERS ASSOCIATION INC Condominium 2017
WILLOW CREEK HEIGHTS HOMEOWNERS-ASSOCIATION Homeowners Association 2001
WILSHIRE PARK CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2017
WINCHELL STREET TOWNHOMES CONDOMINIUMS OWNERS ASSOCIATION Condominium 2023
WINDANCE HOMEOWNERS ASSOCIATION Homeowners Association 2018
WINDEMERE II TOWNHOUSE CONDOMINIUMS HOMEOWNERS' ASSOCIATION Condominium 1981
WINDEMERE I TOWNHOUSE CONDOMINIUMS HOMEOWNERS' ASSOCIATION Condominium 2011
WINDGATE CONDOMINIUM ASSOCIATION Condominium 2004
WINDSWEPT WATERS HOMEOWNERS ASSOCIATION Homeowners Association 2004
WISMER RIDGE OWNERS ASSOCIATION, INC. Unclassified Entity 2002
WITCHHAZEL TOWNHOMES HOMEOWNERS ASSOCIATION Townhome Association 2007
WOODCREEK ESTATES HOMEOWNERS ASSOCIATION Homeowners Association 2008
WOODMERE COMMONS CONDOMINIUM HOA Condominium 2020
WOODMERE CONDOMINIUM OWNERS ASSOCIATION Condominium 2023
WOODS CREEK HOMEOWNERS ASSOCIATION Homeowners Association 1998
WOODSPRING CONDOMINIUMS OWNERS ASSOCIATION Condominium 1978
WOODSTOCK 50 CONDOMINIUM OWNERS ASSOCIATION Condominium 2023
WOODSTOCK GARDENS CONDOMINIUM HOMEOWNER'S ASSOCIATION, INC. Condominium 2014
WOODSTOCK MANOR CONDOMINIUMS ASSOCATION Condominium 2008
WOODSTOCK PLACE CONDOMINIUM ASSOCIATION Condominium 2022
WOODSTOCK SIX CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2019
WOODSTOCK VILLAS CONDOMINIUM UNIT OWNERS ASSOCIATION, INC. Condominium 2019
WOODWARD CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2022
WYGANT AND 16 CONDOMINIUM ASSOCIATION Condominium 2022
WYGANT LOFTS CONDOMINIUMS OWNERS' ASSOCIATION Condominium 2006
WYGANT ROW HOMEOWNERS' ASSOCIATION Homeowners Association 2015
YACHT HARBOR MASTER CONDOMINIUM ASSOCIATION Condominium 2015
YAMHILL CIRCLE CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2020
YAMHILL TOWNHOMES CONDOMINIUM ASSOCIATION Condominium 2005
YELLOW DIAMOND CONDOMINIUM ASSOCIATION, INC Condominium 2019
YELLOW SAPPHIRE CONDOMINIUMS OWNERS ASSOCIATION Condominium 2006
YORKFIELD HOMEOWNERS ASSOCIATION Homeowners Association 2005
YORK PARK HOMEOWNERS' ASSOCIATION Homeowners Association 2006
YUKON STREET CONDOMINIUMS UNIT OWNERS ASSOCIATION, INC. Condominium 2024
ZARA CONDOMINIUM'S OWNERS ASSOCIATION Condominium 2022
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.

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