PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI

Lufkin, Texas
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Governed by Tex. Prop. Code §207 (Texas Property Owners Association Act). Registered as a property owners association in Angelina County, Texas, in 2024. Recent legislation affecting Texas: SB 711 (2025) — Relating to property owners' associations and condominium associations.

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Legal Compliance Dashboard — Live Preview Texas vs. Washington · 12 requirements tracked
3/12
CommunityPay tracks every numeric statutory requirement — fee caps, time limits, percentage caps, retention periods — across every state's community-association law. The full dashboard renders side-by-side comparisons across all 51 tracked jurisdictions and a live feed of statute amendments. Below, three rows for Texas alongside Washington.
Requirement TX WA
RC delivery deadline 10 days 10 calendar days
RC fee cap $375 $275
RC update fee cap $75 $100
Open the full dashboard for Texas → all states, every threshold, statute changes tracked daily
Resale Certificate Compliance 16 disclosures required
TX
This property owners association is governed by Tex. Prop. Code §207.003 (Texas Property Owners Association Act). Texas law requires 16 specific disclosures when a unit is sold. The certificate must be delivered within 10 days of request. Maximum preparation fee: $375.00. · verified Sep 2026
  • Restrictions on transfer of ownership §207.003(b)(1)
    a statement of any right of first refusal, other than a right of first refusal that is prohibited by statute, and any other restraint contained in the restrictions or restrictive covenants that restricts the owner's right to transfer the owner's property; Tex. Prop. Code §207.003§207.003(b)(1) · verified Sep 2026
  • Frequency and amount of regular assessments §207.003(b)(2)
    the frequency and amount of any regular assessments; Tex. Prop. Code §207.003§207.003(b)(2) · verified Sep 2026
  • Approved special assessments not yet due §207.003(b)(3)
    the amount and purpose of any special assessment that has been approved before and is due after the resale certificate is delivered; Tex. Prop. Code §207.003§207.003(b)(3) · verified Sep 2026
  • Total of all amounts due and unpaid attributable to the property §207.003(b)(4)
    the total of all amounts due and unpaid to the property owners' association that are attributable to the owner's property; Tex. Prop. Code §207.003§207.003(b)(4) · verified Sep 2026
  • Capital expenditures approved by the association for the current fiscal year §207.003(b)(5)
    capital expenditures, if any, approved by the property owners' association for the property owners' association's current fiscal year; Tex. Prop. Code §207.003§207.003(b)(5) · verified Sep 2026
  • Amount of reserves for capital expenditures §207.003(b)(6)
    the amount of reserves, if any, for capital expenditures; Tex. Prop. Code §207.003§207.003(b)(6) · verified Sep 2026
  • Current operating budget and balance sheet §207.003(b)(7)
    the property owners' association's current operating budget and balance sheet; Tex. Prop. Code §207.003§207.003(b)(7) · verified Sep 2026
  • Total of unsatisfied judgments against the association §207.003(b)(8)
    the total of any unsatisfied judgments against the property owners' association; Tex. Prop. Code §207.003§207.003(b)(8) · verified Sep 2026
  • Style and cause number of any pending lawsuit §207.003(b)(9)
    the style and cause number of any pending lawsuit in which the property owners' association is a party, other than a lawsuit relating to unpaid ad valorem taxes of an individual member of the association; Tex. Prop. Code §207.003§207.003(b)(9) · verified Sep 2026
  • Certificate of insurance for common areas and facilities §207.003(b)(10)
    a copy of a certificate of insurance showing the property owners' association's property and liability insurance relating to the common areas and common facilities; Tex. Prop. Code §207.003§207.003(b)(10) · verified Sep 2026
  • Conditions on the property the board has actual knowledge violate the subdivision restrictions, bylaws, or association rules §207.003(b)(11)
    a description of any conditions on the owner's property that the property owners' association board has actual knowledge are in violation of the restrictions applying to the subdivision or the bylaws or rules of the property owners' association Tex. Prop. Code §207.003§207.003(b)(11) · verified Sep 2026
  • Governmental health or housing code violation notices the association received regarding the property or common areas §207.003(b)(12)
    a summary or copy of notices received by the property owners' association from any governmental authority regarding health or housing code violations existing on the preparation date of the certificate relating to the owner's property or any common areas or common facilities owned or leased by the property owners' association Tex. Prop. Code §207.003§207.003(b)(12) · verified Sep 2026
  • Amount of any administrative transfer fee charged for a change of ownership §207.003(b)(13)
    the amount of any administrative transfer fee charged by the property owners' association for a change of ownership of property in the subdivision Tex. Prop. Code §207.003§207.003(b)(13) · verified Sep 2026
  • Name, mailing address, and telephone number of the association's managing agent, if any §207.003(b)(14)
    the name, mailing address, and telephone number of the property owners' association's managing agent, if any Tex. Prop. Code §207.003§207.003(b)(14) · verified Sep 2026
  • Statement whether the restrictions allow foreclosure of the association's assessment lien for unpaid assessments §207.003(b)(15)
    a statement indicating whether the restrictions allow foreclosure of a property owners' association's lien on the owner's property for failure to pay assessments Tex. Prop. Code §207.003§207.003(b)(15) · verified Sep 2026
  • Itemized statement of all fees associated with transfer of ownership (description of each fee, payee, and amount) §207.003(b)(16)
    a statement of all fees associated with the transfer of ownership, including a description of each fee, to whom each fee is paid, and the amount of each fee Tex. Prop. Code §207.003§207.003(b)(16) · verified Sep 2026
Under Tex. Prop. Code §207.003, Texas caps the preparation fee at $375 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.
None of these items are confirmed for PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI. Keep this association's books on CommunityPay to track compliance and generate resale certificates from live ledger data.
Institutional Reference

Reserve study standards in Texas

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.

Texas 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 Texas

Statutory floors for owner and board meetings — notice periods, delivery rules, quorum, voting, written consent, and record retention. Generic reference. Specific bylaws or declarations may impose tighter requirements; statutes set the minimum.

Annual / owner meeting
10 days advance notice
Tex. Prop. Code §209.0056(a)
Board meeting
72 hours advance notice
Tex. Prop. Code §209.0051(e)

Most state regimes also require:

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

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

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

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

Full notice requirements appear in Tex. Prop. Code §207 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

Statute sets the default at 10% of allocated interests unless the governing documents specify a different 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 Tex. Prop. Code §207 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 Texas requires retention for at least 7 years. Reserve studies, declarations, amendments, and assessments — permanent.
  3. Owner inspection rights Texas requires the association to respond within 10 business days of a written request.
  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 Tex. Prop. Code §207 and related subsections. A records-request response that misses the statutory deadline may expose the association to a per-day penalty.

Related tools
Institutional Reference

Insurance & risk requirements in Texas

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

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

Statutory citation: Tex. Prop. Code §207.

Fannie Mae lender requirement
Fidelity / crime bond minimum
3 months of aggregate assessments on all units
Fannie Mae B7-4-02

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

  • Named covered parties — board, officers, employees, and the management company (when one is engaged).
  • Computation basis — months of assessments plus reserve balance, or a percentage of the operating budget, depending on the governing statute.
  • Annual renewal — coverage lapses are a common audit finding and trigger lender disqualification.

Statutory citation: Tex. Prop. Code §207.

Fannie Mae lender requirement
Deductible cap
5% maximum of master policy coverage amount, aggregated across per-peril deductibles
Fannie Mae B7-3-03

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

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

Statutory citation: Tex. Prop. Code §207.

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

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

Specific statutory provisions seeded for Texas:

Statutory citation: Tex. Prop. Code §207.

Statutory Obligations — Texas 39 obligations across 10 categories
TX
Under Texas community association law, this property owners association is bound by the obligations below. Each item is pinned to the underlying statute. Click any citation to read the source.
Governance 2
Board governance, meetings, voting, quorum.
  • Right of first refusal or other restraint on transfer
    The resale certificate must disclose any right of first refusal or other restraint on the owner's right to transfer the property.
     Tex. Prop. Code §207.003(b)(1)
  • Managing agent name, mailing address, and telephone number
    The certificate must state the name, mailing address, and telephone number of the association's managing agent, if any.
     Tex. Prop. Code §207.003(b)(14)
Financial 5
Financial statements, audits, banking, fund segregation.
  • Administrative transfer fee for a change of ownership
    The certificate must state the amount of any administrative transfer fee the association charges for a change of ownership.
     Tex. Prop. Code §207.003(b)(13)
  • Itemized statement of all fees associated with transfer of ownership
    The certificate must provide an itemized statement of all fees associated with the transfer of ownership — describing each fee, its payee, and its amount.
     Tex. Prop. Code §207.003(b)(16)
  • Capital expenditures approved for the current fiscal year
    The certificate must disclose any capital expenditures the HOA has approved for the current fiscal year.
     Tex. Prop. Code §207.003(b)(5)
  • Current operating budget and balance sheet
    The certificate must attach the HOA's current operating budget and balance sheet.
     Tex. Prop. Code §207.003(b)(7)
  • No fee at all if the certificate is late, and no payment processed before it is ready
    The association may ask for payment up front but may not process it until the certificate is ready, and may charge nothing at all if the certificate misses the 10-business-day deadline.
     Tex. Prop. Code §207.003(c-1)
Assessment 3
Assessment levy, billing, collection, late fees.
  • Frequency and amount of regular assessments
    The certificate must state how often regular assessments are charged and the amount.
     Tex. Prop. Code §207.003(b)(2)
  • Approved special assessments not yet due
    The certificate must disclose any special assessments that have been approved but are not yet due as of the date of delivery.
     Tex. Prop. Code §207.003(b)(3)
  • Total of all amounts due and unpaid attributable to the property
    The certificate must show the total amount the owner currently owes the association.
     Tex. Prop. Code §207.003(b)(4)
Reserves 1
Reserve studies, reserve funding, capital planning.
  • Amount of reserves for capital expenditures
    The certificate must state the amount of capital expenditure reserves held by the HOA.
     Tex. Prop. Code §207.003(b)(6)
Insurance 1
Insurance coverage, policy disclosures, claims.
  • Certificate of insurance for common areas and facilities
    The certificate must attach a certificate of insurance showing the HOA's property and liability coverage on common areas.
     Tex. Prop. Code §207.003(b)(10)
Disclosure 3
Owner disclosures, resale certificates, public records.
  • A Texas HOA resale certificate must be signed and dated by an officer or authorized agent
    A Texas HOA resale certificate is not a certificate unless an officer or authorized agent has signed and dated it.
     Tex. Prop. Code §207.001(5)
  • Updated resale certificate due on the seventh business day
    An update is due within seven business days of the written request — a shorter clock than the ten business days the original certificate gets.
     Tex. Prop. Code §207.003(f)
  • The owner may give the buyer an affidavit of two unanswered requests
    When the association will not answer, the seller can hand the buyer a sworn statement of the two requests and close on that.
     Tex. Prop. Code §207.004(b)(2)
Records 3
Records retention, owner access, official documents.
  • Owners may inspect and copy association books and records
    Homeowners can request to inspect and copy the HOA's books and records, including financial records — either directly or through a designated agent, attorney, or CPA.
     Tex. Prop. Code §209.005(c)
  • Association must produce records within 10 business days
    The HOA has 10 business days to provide requested records after receiving a written request.
     Tex. Prop. Code §209.005(e)(2)
  • Financial records, minutes, tax returns retained for seven years
    Texas POAs (over 14 lots) must keep financial books, meeting minutes, and tax returns for at least seven years.
     Tex. Prop. Code §209.005(m)
Elections 1
Director elections, ballot procedures, recall.
  • Default member-meeting quorum is 10 percent of votes
    Under the Business Organizations Code, the baseline member-meeting quorum for a Texas HOA organized as a nonprofit corporation is one-tenth (10%) of voting power. Bylaws may set a different threshold.
     Tex. Bus. Org. Code §22.159(a)
Enforcement 7
Rule enforcement, fines, hearings, due process.
  • A late certificate is answered first with a second request
    A missed deadline does not go straight to court: the owner, the owner's agent, or the title company asks a second time.
     Tex. Prop. Code §207.004(a)
  • Remedies open five business days after the second request
    The remedies do not start with the first missed deadline. They start five business days after a certified-mail or hand-delivered second request.
     Tex. Prop. Code §207.004(b)
  • The judgment may be deducted from future assessments
    The owner does not have to collect the judgment: it can come out of the assessments the owner would otherwise pay.
     Tex. Prop. Code §207.004(b)(1)(D)
  • The affidavit clears the buyer, lender, and title insurer of pre-affidavit amounts
    Once the affidavit is given, the buyer, the lender, and the title company owe the association nothing that predates it.
     Tex. Prop. Code §207.004(c)(1)
  • The affidavit automatically terminates the association's lien
    The lien does not survive the affidavit. It ends by operation of the statute, with no filing and no court.
     Tex. Prop. Code §207.004(c)(2)
  • An amount left off the certificate loses its lien
    Whatever the certificate leaves out, the association cannot later collect from the parties to the sale, and its lien for that amount ends.
     Tex. Prop. Code §207.005(a)
  • The certificate does not release future debts or future assessments
    The certificate settles the past, not the future: assessments that come due after it was prepared are still owed and still secured.
     Tex. Prop. Code §207.005(b)
Compliance 13
Statutory compliance, filings, registrations.
  • Chapter 207 reaches only land restricted mostly to residential use
    A commercial or mostly-commercial development is not a subdivision for Chapter 207 purposes, whatever its association is called.
     Tex. Prop. Code §207.001(6)
  • Chapter 207 applies only where the association may levy assessments
    An association with no power to levy regular or special assessments owes no Chapter 207 resale certificate.
     Tex. Prop. Code §207.002(a)
  • Chapter 207 does not reach condominium associations
    A Texas condominium is not served by the Chapter 207 resale certificate; its certificate comes from Chapter 82.
     Tex. Prop. Code §207.002(b)
  • Association may require proof of the purchaser's right to acquire before starting
    A purchaser or purchaser's agent can be made to prove a right to buy before the association starts work, and the 10-business-day clock does not start until that proof is received and verified.
     Tex. Prop. Code §207.003(a-1)
  • Conditions on the property known to violate the restrictions, bylaws, or rules
    The certificate must describe any conditions on the property the board actually knows violate the subdivision restrictions, bylaws, or association rules.
     Tex. Prop. Code §207.003(b)(11)
  • Governmental health or housing code violation notices received by the association
    The certificate must summarize or attach any governmental health or housing code violation notices the association received regarding the property or the common areas as of the preparation date.
     Tex. Prop. Code §207.003(b)(12)
  • Whether restrictions allow foreclosure of the association's assessment lien
    The certificate must state whether the restrictions allow the association to foreclose its assessment lien on the property for unpaid assessments.
     Tex. Prop. Code §207.003(b)(15)
  • Total of unsatisfied judgments against the association
    The certificate must disclose any unsatisfied judgments against the HOA.
     Tex. Prop. Code §207.003(b)(8)
  • Style and cause number of any pending lawsuit
    The certificate must list pending lawsuits involving the HOA — by case style and cause number — except suits about a single member's unpaid property taxes.
     Tex. Prop. Code §207.003(b)(9)
  • No duty to inspect the property before issuing a certificate
    Nothing in the statute makes the association walk the property before it issues a certificate, unless the association's own governing documents say so.
     Tex. Prop. Code §207.003(e)
  • Update requests are limited to 180 days and to the original requestor
    Only the party that ordered the original certificate may order an update, and only within 180 days of the original.
     Tex. Prop. Code §207.003(g)
  • The owner's agent and the title company are not liable for the association's delay
    When the association is late, the listing agent and the title company are not the ones on the hook.
     Tex. Prop. Code §207.005(c)
  • The association owes the selling owner nothing beyond the §207.004 remedies
    Section 207.004 is the whole of the seller's remedy against the association, and the officers who run it are not personally exposed.
     Tex. Prop. Code §207.005(d)
None of these obligations are confirmed for PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI as a community that uses CommunityPay. Keep this association's books on CommunityPay to track obligation compliance from a live ledger with audit-grade enforcement.
Source: Texas legal corpus. Last verified Sept. 5, 2026. CommunityPay maintains the corpus and re-verifies on a rolling cadence.
Risk Profile — CARI Score Preview 5 weighted components · Verified score requires consent
Preview
CARI — the Community Association Risk Index — is CommunityPay's deterministic risk score for community associations. Lenders, insurers, title companies, and buyers consume it through an authenticated API. The score is computed from five weighted components and is consent-gated: the association controls whether subscribers can see it.
Financial Health 30% weight
Reserve adequacy, delinquency rate, operating ratio, fund segregation. Measured against state statutory thresholds.
Governance 25% weight
Board attestation currency, meeting compliance, policy violations, governance risk coefficient.
Vendor Risk 15% weight
Vendor compliance signals — license, insurance, bond status, payment velocity, dispute rate.
Enforcement Integrity 15% weight
Block rate, override rate, SLA breaches in the enforcement decision ledger. The audit-trail layer.
Payment Behavior 15% weight
Prevented loss, dispute rate, collection efficiency, payment-method risk.
No verified CARI score is published for Texas community PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI. Keep this association's books on CommunityPay to publish a verified CARI score that lenders, insurers, title companies, and buyers can consume through an authenticated API.
Compliance Calendar — Next 12 Months 2 deadlines
Annual board election / member meeting Jan 31, 2027 · 108 days
Annual meeting required by statute and most governing docs.
Federal Form 1120-H or 1120 — annual return Apr 15, 2027 · 182 days
High IRC §528
Failure to file timely incurs IRS penalties and interest.
Source: Texas statute and federal tax law. Dates are conservative estimates based on common fiscal-year alignment; actual deadlines depend on the association's bylaws and fiscal year.
Active Legislation — Texas 1 bill · 1 directly affects this community
1
SB 711 Affects this community Eff. Sep 1, 2025
Relating to property owners' associations and condominium associations
Senate Bill 711 (89th Legislature, Regular Session, 2025) amended Texas Property Code provisions governing property owners' associations and condominium unit owners' associations. Among other changes, it added Section 82.157(f): "An association may charge a reasonable and necessary fee, not to exceed $375, to furnish a resale certificate under Subsection (a)." …
Enacts: Tex. Prop. Code §82.157
Source: Texas legislature. CommunityPay tracks every session bill that touches community association law.
Lien Priority — Texas No HOA super-priority over first mortgage
Texas does not grant HOA assessment liens super-priority over a first mortgage. The HOA assessment lien sits subordinate to the mortgage; recording date controls relative priority among junior liens.
1.
Federal tax lien (IRS)
Federal tax liens are senior to all subsequent recorded liens.
26 U.S.C. §6321
2.
Property tax lien
Property tax liens are senior to all liens including those created prior.
Tex. Tax Code §32.05
3.
First mortgage / vendor's lien
Texas does not grant HOA assessment liens super-priority over a first mortgage.
4.
HOA assessment lien
Subordinate to first mortgage and prior-recorded liens.
Tex. Prop. Code §209.0091
5.
Junior mortgage / mechanic's liens / judgment liens
Priority by recording date.
Source: Texas statutes and case law. CommunityPay maintains the corpus and re-verifies on a rolling cadence.
Records This Community Should Have — Texas 6 record categories required by statute
Under Texas community association law, the records below must be created and retained. Failure to produce these on owner request, audit, or litigation creates liability and erodes the board's defensibility. None are confirmed for this community as an association that uses CommunityPay.
Governance 3
  • Governing documents — CC&Rs, Bylaws, Articles of Incorporation
    The foundational documents that establish the association and its powers. Required as a permanent record.
    Retention: permanent
    Tex. Prop. Code §209.005
  • Meeting minutes — board and member meetings
    Official record of board votes, decisions, and member actions.
    Retention: permanent
    Tex. Prop. Code §209.005
  • Owner roster
    Current owners and notice addresses.
    Retention: current
    Tex. Prop. Code §209.005
Financial 3
  • Annual financial statements
    Income statement, balance sheet, statement of cash flows for each fiscal year.
    Retention: 4 years
    Tex. Prop. Code §209.005
  • Tax returns
    Federal and state association tax returns.
    Retention: 7 years
    IRC §6501 + state retention norms
  • Tax returns
    Federal association tax returns.
    Retention: 7 years
    IRC §6501
Keep this association's books on CommunityPay to create, store, and produce these records on demand from a live ledger.
Registration Details Property Owners Association · Est. 2024 · Active
Type Property Owners Association
Governing Statute Tex. Prop. Code Ch. 209 (Property Owners Protection Act)
State Texas
City Lufkin
ZIP 75904
County Angelina
Registration Texas Comptroller of Public Accounts · 0805570964
Formed May 30, 2024
Status Active
Area HOA Fees Angelina County median $287/mo
Median Monthly Fee $287
Average Monthly Fee $310
Typical Range $155 – $473
Units Paying Fees 86
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). Angelina County, TX.
Natural Hazard Exposure Angelina County
Relatively Low
Heat Wave Relatively Moderate
Lightning Relatively High
Strong Wind Relatively High
Hurricane Relatively Low
Wildfire Relatively Low
Social Vulnerability Relatively High
Community Resilience Relatively Low
Expected Annual Loss $23,363,525
Source: FEMA National Risk Index v1.20, Angelina County, TX
Applicable Laws 19 Texas statutes
Construction of Restrictive Covenants The Texas rule of construction for restrictive covenants. Subsection (a) directs courts to liberally construe restrictive covenants to give effect to their purpose and intent. Subsection (b) prohibits restrictive covenants from being applied to bar use of property as a "family home" as defined under Texas Human Resources Code Chapter 123 — though any other applicable covenant is still construed …
Enforcement of Restrictive Covenants Texas covenant-enforcement statute. Discretionary enforcement decisions by a property owners' association are presumed reasonable unless a court determines by a preponderance of the evidence that the exercise of discretion was "arbitrary, capricious, or discriminatory." An association or any designated representative may sue to enforce restrictive covenants. Courts may impose civil penalties of up to $200 per day of violation. The …
Texas Property Owners' Association Act — Resale Certificate Chapter Chapter 207 of the Texas Property Code (Property Owners' Association Act) governs HOA resale certificates. All operative content lives at the section level — see §207.003 for the 16 enumerated disclosure items at (b)(1)–(b)(16), the 10-business-day delivery deadline at (a), the 60-day certificate currency rule at (a)(3), and the $375 initial / $75 update fee caps at (c). §207.004 establishes …
Definitions — Texas Property Owners' Association Act Chapter 207 definitions. Two of them bind the tx_hoa_207 profile directly. Subdivision (5) defines a resale certificate as a written statement "issued, signed, and dated by an officer or authorized agent" of the association — a signature and a date are part of what the document is, not presentation. Subdivision (6) limits "subdivision" to land whose restrictions confine the majority …
Applicability — Texas Property Owners' Association Act Chapter 207 applies to a subdivision whose property owners' association is entitled to levy regular or special assessments, and does not apply to a condominium council of owners governed by Chapter 81 or a condominium unit owners' association governed by Chapter 82. This is the line between the tx_hoa_207 and tx_condo_82 profiles, stated by the statute itself.
Delivery of Subdivision Information to Owner — Texas POA Act Texas Property Owners' Association Act resale certificate section. Subsection (a) requires delivery within 10 business days of a written request, including a resale certificate prepared not earlier than the 60th day before delivery ((a)(3)). Subsection (b) enumerates the 16 disclosure items the certificate must contain at (b)(1)–(b)(16); the tx_hoa_207 profile operationalizes all 16. Subsection (c) caps fees at $375 to …
Owner's Remedies for Failure to Timely Deliver — Texas POA Act What a late resale certificate costs the association. After a second written request goes unanswered for five business days, the owner may seek a court order, a judgment of not more than $5,000, court costs and reasonable attorney's fees, and an order deducting both from future assessments. The owner may also give the buyer an affidavit; on that affidavit the …
Effect of Resale Certificate; Liability — Texas POA Act What a delivered certificate binds. The association may not deny the validity of any statement in it, and its lien for an amount the certificate did not disclose terminates automatically as to that amount. A buyer, buyer's agent, owner, owner's agent, lender, and title insurance company and its agent are not liable for an undisclosed debt or claim existing on …
Adoption or Amendment of Certain Dedicatory Instruments Voting thresholds and procedure for adopting or amending dedicatory instruments (CCRs, bylaws, restrictive covenants, association rules) in residential subdivisions subject to mandatory POA membership. Subsection (a) was repealed in 2015; the operative provisions establish the owner vote requirements and consent procedures for instrument changes.
Records Inspection — Property Owners Association Texas Property Owners Association records inspection rights. Owners may inspect and copy association books and records upon written request. Association must produce records within 10 business days of the request, extendable to a maximum of 15 business days from notice. Section (m) sets seven-year retention floors for financial books, meeting minutes, and tax returns.
Open Board Meetings Open-meeting requirements for TRPOPA property owners' associations. Both regular and special board meetings must be open to all owners, with limited exceptions for executive sessions covering personnel matters, pending or threatened litigation, or owner privacy concerns. The board must give advance notice of all open meetings and must maintain written minutes that are available for owner inspection and copying. The …
Notice of Election or Association Vote TRPOPA notice rule for elections and association votes. The association must give written notice to each eligible owner of any election or association vote: between 60 and 10 days before a meeting at which the election or vote will occur, or at least 20 days before the deadline for ballot submission if the vote is held outside a meeting. The …
Ballots TRPOPA voting-mechanics rule. Votes on specified matters — including board elections, assessment increases, and removal of board members — must be cast "in writing and signed by the member." The association may adopt secret-ballot procedures provided the rules ensure no member can cast more votes than allowed and that all eligible votes are counted. Candidates are entitled to designate observers …
Hearing Before Board; Alternative Dispute Resolution TRPOPA pre-enforcement hearing right. A property owner entitled to cure a violation has the right to request a written hearing before the board within 30 days of the cure notice. The association must produce all documents relevant to the hearing at least 10 days in advance, and both the owner and the association may present their cases with audio recording …
Foreclosure Sale Prohibited in Certain Circumstances TRPOPA foreclosure-bar statute. A property owners' association cannot foreclose an assessment lien when the debt is composed solely of fines assessed by the association, attorney's fees incurred to collect those fines, or certain other amounts added under specified statutory provisions. The shield protects owners from losing the home over fine-only debts while preserving foreclosure as a remedy for unpaid assessments.
Prerequisites to Foreclosure: Notice and Opportunity to Cure for Certain Other Lienholders TRPOPA junior-lienholder protection. Before a property owners' association may foreclose its assessment lien, it must send written notice of the delinquency amount by certified mail to any other holder of a lien of record on the property whose lien is inferior or subordinate. The lienholder is entitled to at least 60 days to cure the delinquency before the association may …
Assessment Lien Filing TRPOPA pre-lien notice statute. Before filing an assessment lien against a property owner, a Texas POA must provide two separate notices of delinquency: first by mail or email, then by certified mail no less than 30 days after the first notice. The association cannot file the lien instrument until 90 days after the second notice. The statute defines "assessment lien" …
Right of Redemption After Foreclosure TRPOPA post-foreclosure redemption right. The owner of a property in a residential subdivision and any lienholder of record may redeem the foreclosed property within 180 days after receiving notice of the sale. Redemption requires paying the purchase price plus all amounts owed to the association, interest, and costs. This redemption window distinguishes Texas from many other states (including Nevada's 60-day …
Mandatory Election Required After Failure to Call Regular Meeting TRPOPA backstop for inactive boards. If a property owners' association fails to call a required annual meeting, an owner may demand the meeting in writing. If the board still does not call the meeting within 30 days, three or more owners may form an election committee, file notice with the county clerk, and call a meeting for the sole purpose …
Source: Texas state legislature. Statutes verified by CommunityPay. Last verified May 2026.
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PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI does not use CommunityPay, so we cannot provide its resale certificate or answer lender questionnaires for it. Ask the association's board or its management company.

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Community data is sourced from Texas Secretary of State public registrations. Natural hazard data is from the FEMA National Risk Index (county-level, v1.20). CommunityPay does not claim a relationship with PROPERTY OWNERS' ASSOCIATION OF STONEY RIDGE SUBDI unless explicitly stated.
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