HOAs & Condos in Philadelphia, PA

1213 registered communities in Philadelphia across Philadelphia County and 3 adjacent counties. Mix: 924 condominium, 172 homeowners association, 89 unclassified entity, 22 townhome association, 6 property owners association. Median monthly HOA/condo fee in the county is $507.

15 of the city's associations carry a formation date with the Secretary of State. Half were formed in or before 2002; the 2010s were the busiest decade.

1960s 1 1970s 2 1980s 2 1990s 2 2000s 1 2010s 7
Secretary of State formation dates on the records; a reinstated or re-registered association carries its latest filing's date.
Resale Certificate Compliance 18 disclosures required
PA
A planned community in Philadelphia, PA is governed by 68 Pa.C.S. §5407 (Pennsylvania Uniform Planned Community Act). Pennsylvania law requires 18 specific disclosures when a unit is sold. The certificate must be delivered within 10 days of request.
  • Effect of any right of first refusal or other restraint on the free alienability of the unit 68 Pa.C.S. §5407(a)(1)
    A statement disclosing the effect on the proposed disposition of any right of first refusal or other restraint on the free alienability of the unit. 68 Pa.C.S. §5407(a)(1) · verified Oct 2026
  • Monthly common expense assessment, unpaid common expense or special assessment currently due and payable from the selling unit owner, and any surplus fund credits to be applied to the unit (68 Pa.C.S. §5313) 68 Pa.C.S. §5407(a)(2)
    A statement setting forth the amount of the monthly common expense assessment and any unpaid common expense or special assessment currently due and payable from the selling unit owner and any surplus fund credits to be applied with regard to the unit pursuant to section 5313 (relating to surplus funds). 68 Pa.C.S. §5407(a)(2) · verified Oct 2026
  • Other fees payable by unit owners 68 Pa.C.S. §5407(a)(3)
    A statement of any other fees payable by unit owners. 68 Pa.C.S. §5407(a)(3) · verified Oct 2026
  • Capital expenditures proposed by the association for the current and two next succeeding fiscal years 68 Pa.C.S. §5407(a)(4)
    A statement of any capital expenditures proposed by the association for the current and two next succeeding fiscal years. 68 Pa.C.S. §5407(a)(4) · verified Oct 2026
  • Amount of reserves for capital expenditures and portions designated for specified projects 68 Pa.C.S. §5407(a)(5)
    A statement of the amount of any reserves for capital expenditures and of any portions of those reserves designated by the association for any specified project. 68 Pa.C.S. §5407(a)(5) · verified Oct 2026
  • Most recent regularly prepared balance sheet of the association, if any 68 Pa.C.S. §5407(a)(6)
    The most recent regularly prepared balance sheet and income and expense statement, if any, of the association. 68 Pa.C.S. §5407(a)(6) · verified Oct 2026
  • Most recent regularly prepared income and expense statement of the association, if any 68 Pa.C.S. §5407(a)(6)
    The most recent regularly prepared balance sheet and income and expense statement, if any, of the association. 68 Pa.C.S. §5407(a)(6) · verified Oct 2026
  • Current operating budget of the association 68 Pa.C.S. §5407(a)(7)
    The current operating budget of the association. 68 Pa.C.S. §5407(a)(7) · verified Oct 2026
  • Judgments against the association and the status of any pending suits to which the association is a party 68 Pa.C.S. §5407(a)(8)
    A statement of any judgments against the association and the status of any pending suits to which the association is a party. 68 Pa.C.S. §5407(a)(8) · verified Oct 2026
  • Insurance coverage provided for the benefit of unit owners 68 Pa.C.S. §5407(a)(9)
    A statement describing any insurance coverage provided for the benefit of unit owners. 68 Pa.C.S. §5407(a)(9) · verified Oct 2026
  • Whether the executive board has knowledge that any alterations or improvements to the unit or its assigned limited common elements violate any provision of the declaration 68 Pa.C.S. §5407(a)(10)
    A statement as to whether the executive board has knowledge that any alterations or improvements to the unit or to the limited common elements assigned thereto violate any provision of the declaration. 68 Pa.C.S. §5407(a)(10) · verified Oct 2026
  • Whether the executive board has knowledge of violations of applicable governmental requirements or of any hazardous conditions (68 Pa.C.S. §5402(a)(27)) affecting the unit, its limited common elements, or any other portion of the planned community 68 Pa.C.S. §5407(a)(11)
    A statement as to whether the executive board has knowledge of any violations of applicable governmental requirements or knowledge of the existence of any hazardous conditions pursuant to section 5402(a)(27) (relating to public offering statement; general provisions) with respect to the unit, the limited common elements assigned to the unit or any other portion of the planned community. 68 Pa.C.S. §5407(a)(11) · verified Oct 2026
  • Remaining term of any leasehold estate affecting the planned community and provisions governing extension or renewal 68 Pa.C.S. §5407(a)(12)
    A statement of the remaining term of any leasehold estate affecting the planned community and the provisions governing any extension or renewal thereof. 68 Pa.C.S. §5407(a)(12) · verified Oct 2026
  • Whether the declaration provides for cumulative voting or class voting 68 Pa.C.S. §5407(a)(13)
    A statement as to whether the declaration provides for cumulative voting or class voting. 68 Pa.C.S. §5407(a)(13) · verified Oct 2026
  • Whether an agreement to terminate the planned community has been submitted to the unit owners for approval and remains outstanding 68 Pa.C.S. §5407(a)(14)
    A statement as to whether an agreement to terminate the planned community has been submitted to the unit owners for approval and remains outstanding. 68 Pa.C.S. §5407(a)(14) · verified Oct 2026
  • Whether the planned community is a master association, is part of a master association, or could become or be part of one 68 Pa.C.S. §5407(a)(15)
    A statement of whether the planned community is a master association or is part of a master association or could become a master association or part of a master association. 68 Pa.C.S. §5407(a)(15) · verified Oct 2026
  • Which units, if any, may be owned in time-share estates and the maximum number of time-share estates that may be created 68 Pa.C.S. §5407(a)(16)
    A statement describing which units, if any, may be owned in time-share estates and the maximum number of time-share estates that may be created in the planned community. 68 Pa.C.S. §5407(a)(16) · verified Oct 2026
  • Whether the declarant retains the special declarant right to cause a merger or consolidation of the planned community, with the describing information from the declaration (68 Pa.C.S. §5205(13)) 68 Pa.C.S. §5407(a)(17)
    A statement of whether the declarant retains the special declarant right to cause a merger or consolidation of the planned community and, if so, the information describing such right which was supplied by the declaration pursuant to section 5205(13) (relating to contents of declaration; all planned communities), if any. 68 Pa.C.S. §5407(a)(17) · verified Oct 2026
Also applicable to condominiums: 68 Pa.C.S. §3407 (Pennsylvania Uniform Condominium Act, 18 items)
Pennsylvania 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.
1,602,305
County Population
Very High
FEMA Risk Rating
$507
Median Monthly HOA Fee
$281 – $909
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 23,177 units.
Heat Wave
Very High
$256,419,434/yr expected loss
Cold Wave
Very High
$57,040,490/yr expected loss
Winter Weather
Very High
$1,935,182/yr expected loss
Inland Flooding
Very High
$266,057,136/yr expected loss
Tornado
Relatively High
$21,102,550/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.
Name Type Formed
Portico Row Condominium Association Condominium —
Portrichmond Action Community Association West Unclassified Entity —
Pressman Commons Owners Association Unclassified Entity —
Primo Hoagie Holding Company Inc. Homeowners Association —
Provident Condominium Association Condominium —
Psychoanalytic Center Of Philadelphia Homeowners Association 1960
Public Ledger Condominium Association Condominium —
Pulaagu Community Association of Pennsylvania, Inc. Unclassified Entity —
Q Condominium Association, Inc. Condominium —
Quarry Street Condos Association Condominium —
Quarters at Fairmount Owners Association Unclassified Entity —
Queen Street Residences Condominium Association Condominium —
Queen Street Residences Condominium Association, Inc. Condominium —
Queen's Walk Homeowners' Association Homeowners Association —
Quincy Court Homeowners' Association Homeowners Association —
Re. Condo, Inc. Condominium —
Reed Estates Owners Association Unclassified Entity —
Renewbold Homeowners Association, Inc. Homeowners Association —
Residences at Two Liberty Place Condominium Association, Inc. Condominium —
Rex Court Condominium Association Condominium —
Rhoads Metal Fabrications, Inc. Homeowners Association —
Rhoads Metal Works, Inc. Homeowners Association —
Rittenhouse Place Condominium Association Condominium —
Riverside Condominium Condominium —
Riverview West, a Condominium Association, Inc. Condominium —
Riverwatch Condominium Owners' Association Condominium —
Rodin Square Condominium Association Condominium —
Roxborough Village Townhouses Property Owners Association, Inc. Townhome Association —
R-square Condominium Association, Inc. Condominium —
S17 Homeowners Association, Inc. Homeowners Association —
Saigon Hoagie Coffee Inc. Homeowners Association —
Saint Alice Land Condominium Association, Inc. Condominium —
Sansom Street Condominium Association Condominium —
School House Condominium Association Condominium —
Seger Park Dog Owners Association Unclassified Entity 2002
Sentinel Ridge Condominium Association, Inc. Condominium —
Sevenzerofour Condo Association, Llc Condominium —
Shack 6 Homeowners' Association Homeowners Association —
Shack 8 Homeowners' Association Homeowners Association —
Shackamaxon Court Condominium Association Condominium —
Sharswood Townhouse Resident Action Committee Townhome Association 2010
Sharswood Townhouses Resident Action Corporation, Inc. Townhome Association —
Skypark Condominium Association, Llc Condominium —
Slack's Hoagie Shack Franchise Corporation Homeowners Association —
Smythe's Corner Condominium Association Condominium —
Smythe Stores Condominium Association Condominium —
Snyder Square Condominium Association, Inc. Condominium —
Society For Psychoanalytic Inquiry Homeowners Association 2013
Somali Community Association of Greater Philadelphia (scagp) Unclassified Entity —
Somali Community Association of Pennsylvania, Inc. Unclassified Entity —
Southwest-Belmont Community Association INC Unclassified Entity 2012
Southwest Strong Community Association Unclassified Entity —
Spencer Square Condo Association Condominium —
Spring Arts Point Phase I Condominium Association, Inc. Condominium —
Spruce Hill Community Association Unclassified Entity 1974
Stable Townhomes Homeowners Association Townhome Association —
Stationhouse Condominium Owners Association Condominium —
St. Davids Park Condominium Association Condominium —
Stobba Condo Gp, Inc. Condominium —
Stonebridge Condominium Association Condominium —
Strawberry Mansion Homeowners Association Homeowners Association —
Sturbridge Homeowners Association, Inc. Homeowners Association —
Sumac & Kalos Unit Owners Association, Inc. Unclassified Entity —
Summit Greene Community Association Unclassified Entity —
Summit Village Community Association Unclassified Entity —
Symphony House Condominium Association, Inc. Condominium —
Symphony Residence Tower Condominium Association, Inc. Condominium —
Terraces at Welsh Walk Condominium Association, Inc. Condominium —
The 1017 Arch Street Condominium Association, Inc. Condominium —
The 10 on Eleventh Owners Association Unclassified Entity —
The 12th & South Street Condominium Association Condominium —
The 1321 N. Howard Street Condominium Association Condominium —
The 15th & York St. Small Business Persons & Community Association Inc. Unclassified Entity —
The 1801 Fairmount Ave Condo Association Condominium —
The 201 Spring Garden Condominium Association Condominium —
The 2028 Frankford Ave Condominium Association Condominium —
The 23 a Condominium Association Condominium —
The 425 Sixth Avenue Condominium Association, Inc. Condominium —
The 743 South 3rd Street Condominium Condominium —
The Albert Condominium Association Condominium —
The Argyle Condominiums Condominium —
The Artisan Home Owners' Association Homeowners Association —
The Arts Condominium Association Condominium —
The Bellwether District Condominium Association Condominium —
The Ben Condominium Owners' Association, Inc. Condominium —
The Britton House Condominium Association, Inc. Condominium —
The Chevra Ahavas Achim Anshe Nazin Nusach Hoarie Homeowners Association —
The Citizen Master Planned Community Association Unclassified Entity —
The Clinton Condominium Association Condominium —
The Commons at Ashbridge Square East Condominium Association, Inc. Condominium —
The Commons at New Street Condominium Owners Association Condominium —
The Condominiums at 250 South 23rd Street Condominium —
The Condominiums at North 17th Street, Inc. Condominium —
The Condom Pledge Condominium —
The Court Homeowners' Association for Old Swedes' Homeowners Association —
The Coventry Homeowners Association Homeowners Association —
The Crossings of Bucks County Community Association Unclassified Entity —
The Curator on 3rd a Condominium Condominium —
The Curator on Quarry a Condominium Condominium —
The Cuthbert Lofts Condominium Association Condominium —
The Duplexes at the Citizen Condominium Association, Inc. Condominium —
The Ellington Condominium Association Condominium —
The Exchange Condominium Association Condominium —
The Firehouse Owners Association Unclassified Entity —
The Firth Four Condominium Owners' Association, Inc. Condominium —
The Francis Homeowners' Association Homeowners Association —
The Gemini Condominium Association Condominium —
The Grande Condominium Association, Inc. Condominium —
The Greater Philadelphia Vietnamese Community Association Unclassified Entity —
The Gwynedd Reserve Homeowners Association Homeowners Association —
The Hanson Square Homeowners' Association, Inc. Homeowners Association —
The Homeowner's Association of Philadelphia Unclassified Entity —
The Homeownership Counseling Association of the Delaware Valley Homeowners Association —
The Homes at Falls Ridge Homeowners' Association Incorporated Homeowners Association —
The Homes at Ludlow Homeowners Association Homeowners Association —
The Homes at Martin Luther King Plaza Homeowner's Association Unclassified Entity —
The Le Fleur Condominium Association Condominium —
The Letitia Lofts Condominium Association Condominium —
The Liberty Mews Homeowners Association Homeowners Association —
The Marbela Condominium Association, Inc Condominium —
The Mccallum Condominium Association, Inc. Condominium —
The Moravian at Independence Square Condominium Association Condominium —
The National at Old City Condominium Condominium —
The Northpoint Lofts Condominium Association Condominium —
The Old Shoe Factory Condominium Association Condominium —
The Packard Building Condominium Association, Inc. Condominium —
The Peninsula at Waterfront Square Condominium Association Condominium —
The Penn's Landing Square Condominium Apartments Corporation Condominium —
The Philadelphia Center for Psychoanalytic Education Homeowners Association —
The Phoenix Condominium Owners' Association Condominium —
The Plymouth Marketplace Condominium Association Condominium —
The Precinct Lofts of Pennsport Condominium Association, Inc. Condominium —
The Reef at Waterfront Square Condominium Association Condominium —
The Regatta at Waterfront Square Condominium Association Condominium —
The Regency at Packer Park Condominium Association Condominium —
The Residences at the Citizen Community Association, Inc. Unclassified Entity —
The Residences Condominium Association Condominium —
The Residences @ H3 Homeowners Association Homeowners Association —
The Rhoads Referral Company, Inc. Homeowners Association —
The Rittenhouse Condominium Owners Association Condominium —
The Roberts Quay Condominium Association Condominium —
The Schwartz Condominium Association, Inc. Condominium —
The Spruce Hill Community Association Unclassified Entity —
The Spruce Place Condominium Association Condominium —
The Steel Factory Lofts and Condominiums Association Condominium —
The St. George Condominium Association Condominium —
The Tigray Community Association of Greater Philadelphia Area Association Unclassified Entity —
The Townhomes at Artist Village Owners' Association Townhome Association —
The Townhomes of Manayunk Hills Owners' Association Townhome Association —
The Triplexes at the Citizen Condominium Association, Inc. Condominium —
The Virtual Institute of Psychoanalysis Homeowners Association —
The Warehouse Condominium Association Condominium —
The White Building Condominium Association Condominium —
The Willings at Independence Park Condominium Association Condominium —
Thirteen+eleven Condominium Association Condominium —
Thomas-ogden Community Association, Inc. Unclassified Entity —
Thompson Street Lofts Homeowners Association Llc Homeowners Association —
Thorndale Valley Community Association Unclassified Entity —
Three Parkway Condominium Association, Inc. Condominium —
Tico's Steaks & Hoagie Shop, Inc. Homeowners Association —
Tiesenflats Condominium Association Condominium —
Timberwalk Homeowners Association Homeowners Association —
Tivoli Condominium Association Inc. Condominium —
Tollgate Landing Homeowner's Association, Inc. Unclassified Entity —
Tonoloway Bluffs Property Owners Association Property Owners Association —
Townhomes at the Rye Owners' Association Townhome Association —
Townhouses on the Wall Community Association, Inc. Townhome Association —
Traditions at Inninscrone Homeowners' Association, Inc. Homeowners Association —
Trevose Center Condominium Association Condominium —
Trolley Stop Condo Assn Inc. Condominium —
Tunisian Community Association of North America (tcana) Unclassified Entity —
Twelve 22 Spruce Street Condominium Association Condominium —
Twelve Houses Condominium Association, Inc. Condominium —
Twenty Eight N. Third Street Condominium Association Condominium —
Two Liberty Place Condominium Association, Inc. Condominium —
Unified Business Owners Association of Philadelphia Unclassified Entity —
Union Square Homes Homeowner Association, Inc. Unclassified Entity —
Uni-penn Homeownership, Inc. Homeowners Association —
Valley Creek Owners Association, Inc. Unclassified Entity —
Valley Forge Condominium Associates Condominium —
Venice Lofts Condominium Association, Inc. Condominium —
Vernon Court Community Association Unclassified Entity —
Vogt Community Association Unclassified Entity —
Walden Walk Condominium Association Condominium —
Walden Walk Townhouse Association Townhome Association —
Wallace St. Condominium Association Condominium —
Wallace Street Commons Condominium Association Condominium —
Wallace Street Condominium Association Condominium —
Walnut Palace Condominium Association, Inc. Condominium —
Walnut Street Hoagie, Inc. Homeowners Association —
Wanamaker House Condominium Owners Association Condominium —
Warren House Condo Condominium —
Warrington Mews Townhouses Inc. Townhome Association —
Washington Court Condominium Council Condominium —
Washington Parks Condominium Association Condominium —
Washington Square Townhouses, Inc. Townhome Association —
Waterbridge Condominium Association Condominium —
Waterfront Square Condominium and Spa Master Association Condominium —
Waverly Condominium Association Condominium —
Waverly Trio Owners Association Unclassified Entity —
Institutional Reference

Reserve study standards in Pennsylvania

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.

Pennsylvania 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 Pennsylvania

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.

Pennsylvania 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
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Download the Pennsylvania HOA & Condo Compliance Checklist

One PDF — every active Pennsylvania statute we track, statutory fee caps and time limits, recent legal changes from the last 12 months, and the resale-certificate disclosure profile. Built from CommunityPay's living legal corpus, the same data that drives our resale certificates, reserve reports, and CARI scoring.

  • Statutory fee caps and time limits (resale, late fees, lien priority)
  • Recent law changes with effective dates
  • Resale & estoppel disclosure profile, item by item
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Data sourced from Pennsylvania 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
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