HOAs & Condos in New Braunfels, TX

142 registered communities in New Braunfels across Comal County. Mix: 44 property owners association, 38 condominium, 38 homeowners association, 21 unclassified entity, 1 townhome association. Median monthly HOA/condo fee in the county is $259.

Resale Certificate Compliance 16 disclosures required
TX
A planned community in New Braunfels, TX 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
Also applicable to condominiums: Tex. Prop. Code §82.157 (Texas Uniform Condominium Act, 14 items)
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate. Under Tex. Prop. Code §207.003, Texas caps the preparation fee at $375 by statute. With CommunityPay, the board issues the certificate directly from live ledger data — the board controls pricing within the statutory cap. Residents typically save $200+ per closing.
161,300
County Population
Relatively Moderate
FEMA Risk Rating
$259
Median Monthly HOA Fee
$187 – $395
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 365 units.
Inland Flooding
Relatively High
$117,706,322/yr expected loss
Hail
Relatively High
$3,126,381/yr expected loss
Tornado
Relatively High
$10,911,554/yr expected loss
Winter Weather
Relatively High
$513,895/yr expected loss
Lightning
Relatively High
$1,307,749/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.
142 New Braunfels communities operate under Texas law. The primary governing statute is Tex. Prop. Code §207 — 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 owner remedies for late delivery; §207.005 governs reliance and liability. §207.001 defines what a resale certificate is; §207.002 says which associations owe one. All six sections carry verbatim text as of 2026-09-04.
Name Type Formed
10TH AT CONGRESS CONDOMINIUM OWNERS ASSOCIATION, I Condominium 2007
1700 NUECES CONDOMINIUMS HOMEOWNERS ASSOCIATION IN Condominium 2007
7107 BETHUNE CONDOMINIUM ASSOCIATION Condominium 2023
741 GENERATIONS DRIVE CONDOMINIUMS, INC Condominium 2023
ANTLER RIDGE RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2023
BILTMORE ON THE CORNER OWNERS ASSOCIATION Unclassified Entity 2017
BLUESTEM RESERVE OWNERS ASSOCIATION, INC. Unclassified Entity 2019
BROWN ROCK SPRINGS OWNERS ASSOCIATION Unclassified Entity 2008
CANYON LAKE VILLAGE WEST PROPERTY OWNERS ASSOCIATI Property Owners Association 1980
CARPENTER HILL COMMUNITY ASSOCIATION, INC. Unclassified Entity 2019
CHAMPIONS VILLAGE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2000
CLEAR SPRINGS RANCH CONDOMINIUM COMMUNITY, INC. Condominium 2017
COMAL RIVER CONDOMINIUM ASSOCIATION Condominium 2013
CONDOMINIUMS AT PARKER RANCH HOA, INC. Condominium 2015
COPPER RIDGE PROPERTY OWNERS ASSOCIATION Property Owners Association 2008
CORRIDOR CONDOMINIUM ASSOCIATION Condominium 2025
COTTON COTTAGE CONDO PROPERTY OWNERS ASSOCIATION I Condominium 2025
COTTON COTTAGES OWNERS ASSOCIATION, INC. Unclassified Entity 2017
COTTON CROSSING OWNERS ASSOCIATION, INC. Unclassified Entity 2000
DOGWOOD LAKE PROPERTY OWNERS ASSOCIATION Property Owners Association 2023
DOMINION @ OAK RIDGE RANCH PROPERTY OWNERS ASSOCIA Property Owners Association 2024
DOMINION @ VISTA RIDGE RANCH PROPERTY OWNERS ASSOC Property Owners Association 2019
DOVE CROSSING HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
DRIFTWOOD SHORES PROPERTY OWNERS ASSOCIATION Property Owners Association 2024
DUKE GARDENS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2016
EAST COMMON PLACE OWNERS ASSOCIATION, INC. Unclassified Entity 1997
EL CAMINO REAL (SAN MARCOS) HOMEOWNERS' ASSOCIATIO Homeowners Association 2003
ENSENADA SHORES HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
FARMHAUS AT SOLMS LANDING PROPERTY OWNERS ASSOCIAT Property Owners Association 2022
FELLERS MIXED PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 2019
FIRST MOUNTAIN HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2009
GARDEN PARK OFFICE CONDOMINIUM OWNERS ASSOCIATION, Condominium 1981
GARDENS AT CLEARWATER PROPERTY OWNERS ASSOCIATION, Property Owners Association 2003
GARDENS AT GREYSTONE HOMEOWNERS' ASSOCIATION, INC. Homeowners Association 2009
GARDEN VILLA HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1981
GENERATIONS SUBDIVISION OWNERS ASSOCIATION, INC. Unclassified Entity 2014
GREEN PASTURES HOME OWNERS ASSOCIATION INC. Homeowners Association 2016
GRUENE COMMONS OWNERS ASSOCIATION, INC. Unclassified Entity 2015
GRUENE GARDEN PROPERTY OWNERS ASSOCIATION Property Owners Association 2008
GRUENE LAKE VILLAGE PROPERTY OWNERS ASSOCIATION, I Property Owners Association 2008
GRUENE RIVER CONDOMINIUM ASSOCIATION, INC. Condominium 2025
GRUENE RIVER PLACE OWNERS ASSOCIATION Unclassified Entity 2016
GRUENE RIVER PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 1985
GRUENE WALD HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2015
GUADALUPE RIVER OAKS PROPERTY OWNERS ASSOCIATION, Property Owners Association 1984
HARTLAND RANCH CONDOMINIUM COMMUNITY, INC. Condominium 2022
HARTMAN CENTRE II PROPERTY OWNERS ASSOCIATION, INC Property Owners Association 2002
HIGH COTTON ESTATES OWNERS ASSOCIATION, INC Unclassified Entity 2016
HIGH COTTON OFFICE PROPERTY OWNERS ASSOCIATION INC Property Owners Association 2012
HORSESHOE OAKS HOMEOWNERS ASSOCIATION Homeowners Association 1984
HUDSON RESERVE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2019
HUISACHE HILLS HOMEOWNERS ASSOCIATION Homeowners Association 2010
HUNTER OAKS PROPERTY OWNERS ASSOCIATION Property Owners Association 1989
INVERNESS AT NEW BRAUNFELS CONDOMINIUM ASSOCIATION Condominium 1987
JEFFERSON PLACE PROPERTY OWNERS' ASSOCIATION, INC. Property Owners Association 2021
JOHN NEWCOMBE'S TENNIS RANCH CONDOMINIUM OWNERS AS Condominium 1984
JONAS WOODS HOMEOWNERS ASSOCIATION Homeowners Association 2003
KAMP KENDRICK HOMEOWNERS ASSOCIATION Homeowners Association 2005
KIRKWOOD SUBDIVISION PROPERTY OWNERS' ASSOCIATION, Property Owners Association 1989
KNOLLCREEK HOMEOWNERS ASSOCIATION Homeowners Association 1985
LAKECREEK DRIVE CONDOMINIUM ASSOCIATION, INC. Condominium 2023
LAKE OAKS RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2003
LAKEWOOD SHADOWS SUBDIVISION HOMEOWNERS ASSOCIATIO Homeowners Association 1987
LANDA WOODS HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2005
LAVENDEL RESORT CONDOMINIUM COMMUNITY, INC Condominium 2022
LAZY VALLEY COUNTRY PROPERTY OWNERS ASSOCIATION, I Property Owners Association 2000
LEWIS RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 1997
LONESOME DOVE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2014
LOOKOUT AT GRUENE CONDOMINIUM COMMUNITY, INC. Condominium 2021
MANOR CREEK HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2008
MARKET AVENUE SQUARE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 1983
MEDINA VALLEY RANCH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2025
MESQUITE PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 2021
M. HEIGHTS PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 2006
MISSION DEL LAGO HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2002
MISSION HILLS RANCH HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
MOONLIGHT TOWER CONDOMINIUM ASSOCIATION, INC. Condominium 2025
NAVARRO FIELDS COMMUNITY ASSOCIATION, INC. Unclassified Entity 2023
NB CANYON VISTA OFFICE CONDOMINIUM ASSOCIATION, IN Condominium 2007
NB CREEKSIDE PROFESSIONAL PLAZA OWNERS ASSOCIATION Unclassified Entity 2013
N.B. QUAIL VALLEY HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
NBRC PROPERTY OWNERS ASSOCIATION Property Owners Association 1999
NB VILLAGE AT CLEAR SPRINGS HOMEOWNERS ASSOCIATION Homeowners Association 2015
NEW BRAUNFELS RANCH ESTATES OWNERS ASSOCIATION, IN Unclassified Entity 1996
NEWCOMBE ESTATE PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 2008
NORTHWEST CROSSING OWNERS ASSOCIATION, INC. Unclassified Entity 2004
OLD MILL CROSSING CONDOMINIUM ASSOCIATION, INC. Condominium 2016
OLD TOWN EAST CONDOMINIUM COMMUNITY, INC. Condominium 2021
OWNERS ASSOCIATION OF CREEKSIDE PROFESSIONAL PLAZA Unclassified Entity 2017
OWNERS ASSOCIATION OF RIO GUADALUPE CONDOMINIUMS Condominium 2010
OWNERS ASSOCIATION OF RIVER RUN CONDOMINIUMS ON TH Condominium 1982
PARADISE ON THE GUADALUPE PROPERTY OWNERS ASSOCIAT Property Owners Association 2021
PEPPERGRASS ASSOCIATION OF HOMEOWNERS, INC. Homeowners Association 2020
PREISS HEIGHTS PROPERTY OWNERS ASSOCIATION, INC. Property Owners Association 1967
PROPERTY OWNERS ASSOCIATION OF VINTAGE OAKS, INC. Property Owners Association 2006
RANCHES OF COMAL PROPERTY OWNERS ASSOCIATION Property Owners Association 2013
RIVER BEND PROPERTY OWNERS ASSOCIATION INCORPORATE Property Owners Association 1972
RIVER ENCLAVE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2006
RIVER'S EDGE AT GRUENE MASTER CONDOMINIUM ASSOCIAT Condominium 2025
RIVER'S EDGE AT GRUENE RESIDENTIAL CONDOMINIUM ASS Condominium 2025
RIVERSIDE CONDOMINIUM ASSOCIATION Condominium 1983
RIVER VIEW LUXURY CONDOS OWNERS ASSOCIATION Condominium 2023
SAN ANTONIO STREET CONDOMINIUMS OWNERS ASSOCIATION Condominium 2014
SANCTUARY AT LAKEVIEW PROPERTY OWNERS ASSOCIATION Property Owners Association 2024
SANTA FE HOMEOWNERS ASSOCIATION Homeowners Association 1992
S.A. REMINGTON HEIGHTS HOMEOWNERS ASSOCIATION, INC Homeowners Association 2000
SCHOENTHAL RANCH COMMUNITY ASSOCIATION, INC. Unclassified Entity 1983
SHEPHERDS GLEN SUBDIVISION PROPERTY OWNERS ASSOCIA Property Owners Association 2016
SIX HILLS RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2025
SMITHSON VALLEY HERITAGE OAKS PROPERTY OWNERS ASSO Property Owners Association 1993
SOUTHBANK OWNERS ASSOCIATION, INC. Unclassified Entity 1984
STATION PLACE CONDOMINIUM OWNERS' ASSOCIATION, INC Condominium 2016
STILLWATER SHORES PROPERTY OWNERS ASSOCIATION, INC Property Owners Association 2022
STONEGATE RESERVE HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2009
T BAR M CONDOMINIUM ASSOCIATION Condominium 2000
TBM HOMEOWNERS ASSOCIATION, INC. Homeowners Association 2004
TERRA VERDE AT TOWN CREEK CONDOMINIUM COMMUNITY, I Condominium 2021
THE CROSSING AT SPRING CREEK PROPERTY OWNERS ASSOC Property Owners Association 2005
THE CROSSING ON 725 OFFICE PARK CONDOMINIUM OWNER' Condominium 2006
THE ESTATES AT ALLEN'S BEND HOMEOWNERS ASSOCIATION Homeowners Association 2000
THE ESTATES AT STONE CROSSING HOMEOWNERS ASSOCIATI Homeowners Association 2013
THE GARDENS AT NEW BRAUNFELS OWNERS ASSOCIATION, I Unclassified Entity 2024
THE GRUENE ROAD COMMERCIAL PARK CONDOMINIUM OWNER' Condominium 2012
THE LANDA OFFICE CONDOMINIUM OWNERS ASSOCIATION, I Condominium 1988
THE OASIS AT LAKE DUNLAP HOMEOWNERS ASSOCIATION Homeowners Association 2007
THE PINNACLE PROPERTY OWNERS ASSOCIATION Property Owners Association 1998
THE PRESERVE AT MISSION VALLEY HOMEOWNERS ASSOCIAT Homeowners Association 2011
THE RANCHES AT LEGACY OAKS PROPERTY OWNERS' ASSOCI Property Owners Association 2025
THE RIVER BLUFF AT GRUENE HOMEOWNERS ASSOCIATION Homeowners Association 2013
THE ROOST CONDOMINIUM COMMUNITY, INC. Condominium 2018
TOWN CREEK TEXAS PROPERTY OWNERS ASSOCIATION Property Owners Association 2009
UPWARD AT ROCKPORT CONDOMINIUM COMMUNITY, INC. Condominium 2023
VALLEY OAKS RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2022
V D R HOMEOWNER'S ASSOCIATION, INC. Unclassified Entity 2002
VIDA TOWNHOME ASSOCIATION, INC. Townhome Association 2025
WAGGENER RANCH PROPERTY OWNERS ASSOCIATION INC. Property Owners Association 2001
WATERWHEEL RESORT CONDOMINIUM ASSOCIATION, INC. Condominium 2003
WENDOVER FARMS (NEW BRAUNFELS) HOMEOWNERS' ASSOCIA Homeowners Association 2001
WESTPOINTE COMMERCIAL PROPERTY OWNERS ASSOCIATION, Property Owners Association 2013
WESTWOOD PROFESSIONAL CONDOMINIUM OWNERS ASSOCIATI Condominium 2022
WINANS CREEK RANCH PROPERTY OWNERS ASSOCIATION Property Owners Association 2023
WPORI OWNERS ASSOCIATION Unclassified Entity 2023
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.

Texas 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 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 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 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
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Download the Texas HOA & Condo Compliance Checklist

One PDF — every active Texas 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 Texas 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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