Vermont HOA & Condominium Law
6 active Vermont statutes govern homeowners associations and condominiums in the state. The corpus encodes 24 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Estoppel Disclosure Workflow
13 standard items
VT
CommunityPay has not verified a state-specific statutory resale certificate regime in Vermont. Disclosure follows a non-statutory estoppel workflow. The 13 items below reflect standard title company and lender expectations, not legal requirements specific to any particular association.
- Current periodic assessment amount and any unpaid or delinquent assessments
- Pending or approved special assessments
- Reserve fund balance and designated projects
- Most recent balance sheet and income/expense statement
- Current operating budget
- Insurance coverage provided for the benefit of owners
- Pending lawsuits, unsatisfied judgments, or threatened litigation
- Board composition, meeting frequency, and governance status
- Declaration, bylaws, and rules and regulations
- Capital expenditures approved or anticipated for current and next two fiscal years
- Transfer fees, move-in/move-out fees, or other charges upon sale
- Known violations of the governing documents or applicable codes
- Right of first refusal or other restraints on transfer
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate.
Vermont does not cap RC preparation fees by statute. With CommunityPay, the board issues the certificate directly from live ledger data — eliminating the third-party fee entirely. Residents typically save $250–$400 per closing.
What Vermont Law Requires
Governance (14)
- Nonresidential communities are not subject unless the declaration opts in. 27A V.S.A. §1-201
- Establishes the applicability of the Vermont Common Interest Ownership Act (VCIOA) to all residential condominiums and all common interest communities with 12 or more residential units created after January 1, 1999. 27A V.S.A. §1-201
- Based on the Uniform Common Interest Ownership Act (1994). 27A V.S.A. §1-201
- Pre-1999 condominiums remain under this chapter unless they elect VCIOA coverage, though certain VCIOA sections (including 3-116 and 4-109) apply retroactively to pre-1999 communities. 27 V.S.A. §1301
- Sections 1301 through 1329. 27 V.S.A. §1301
- The original Vermont condominium statute (enacted 1967), governing condominiums created before January 1, 1999. 27 V.S.A. §1301
- Also governs the declarant control period and mandatory transition to owner governance. 27A V.S.A. §3-103
- Establishes powers and fiduciary duties of the executive board. 27A V.S.A. §3-103
- Declarant-appointed board members are held to a trustee standard of care; elected members are held to a corporate officer standard. 27A V.S.A. §3-103
- Special meetings may be called by the president, board majority, or unit owners holding at least 20 percent of votes. 27A V.S.A. §3-108
- Requires at least one unit owner meeting per year. 27A V.S.A. §3-108
- Not less than 10 nor more than 60 days before the meeting date 27A V.S.A. §3-108
- Notice must be given not fewer than 10 nor more than 60 days in advance. 27A V.S.A. §3-108
- Association may not commence foreclosure unless the owner owes at least 3 months of assessments, has failed to accept a payment plan, and the executive board votes to proceed against that specific unit. 27A V.S.A. §3-116
Financial (1)
- No specific dollar cap on preparation fees; §3-102(a)(12) authorizes "reasonable charges." 27A V.S.A. §4-109
Assessment (3)
- Creates an assessment lien with super-priority for 6 months of common expense assessments over first mortgages. 27A V.S.A. §3-116
- Common expense assessments which would have become due in the absence of acceleration during the six months immediately preceding institution of an action 27A V.S.A. §3-116 (c)
- The association's lien may be foreclosed pursuant to 12 V.S.A. chapter 172 27A V.S.A. §3-116 (j)
Reserves (1)
- Contains 12 required disclosure items including assessments, reserves, budget, insurance, judgments, and code violations. 27A V.S.A. §4-109
Disclosure (4)
- Within 10 days after a request by a unit owner 27A V.S.A. §4-109
- The purchase contract is voidable by the purchaser until the certificate has been provided and for five days thereafter 27A V.S.A. §4-109
- Requires delivery of a resale certificate within 10 days of a unit owner's request. 27A V.S.A. §4-109
- Contract is voidable by the purchaser for 5 days after receipt. 27A V.S.A. §4-109
Enforcement (1)
- Foreclosure follows judicial process under 12 V.S.A. 27A V.S.A. §3-116
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Assessment Collection
2
Governance Documents
2
Developer Transition
1
Elections and Voting
1
Fiduciary Duty
1
Foreclosure and Liens
1
Meetings and Notice
1
Resale Disclosure
1
Each chip links to the Vermont statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
All Vermont authorities →
Vermont Common Interest Ownership Act — Applicability to New Common Interest Communities
Establishes the applicability of the Vermont Common Interest Ownership Act (VCIOA) to all residential condominiums and all common interest communities with 12 or more residential units created after January 1, 1999. Nonresidential communities are not subject unless the declaration opts in. Based on the Uniform Common Interest Ownership Act (1994).
Vermont Condominium Ownership Act (Pre-VCIOA)
The original Vermont condominium statute (enacted 1967), governing condominiums created before January 1, 1999. Sections 1301 through 1329. Pre-1999 condominiums remain under this chapter unless they elect VCIOA coverage, though certain VCIOA sections (including 3-116 and 4-109) apply retroactively to pre-1999 communities.
VCIOA — Executive Board Members and Officers
Establishes powers and fiduciary duties of the executive board. Declarant-appointed board members are held to a trustee standard of care; elected members are held to a corporate officer standard. Also governs the declarant control period and mandatory transition to owner governance.
VCIOA — Meetings
Requires at least one unit owner meeting per year. Notice must be given not fewer than 10 nor more than 60 days in advance. Special meetings may be called by the president, board majority, or unit owners holding at least 20 percent of votes.
VCIOA — Lien for Assessments
Creates an assessment lien with super-priority for 6 months of common expense assessments over first mortgages. Foreclosure follows judicial process under 12 V.S.A. chapter 172. Association may not commence foreclosure unless the owner owes at least 3 months of assessments, has failed to accept a payment plan, and the executive board votes to proceed against that specific unit.
VCIOA — Resale of Units
Requires delivery of a resale certificate within 10 days of a unit owner's request. Contains 12 required disclosure items including assessments, reserves, budget, insurance, judgments, and code violations. Contract is voidable by the purchaser for 5 days after receipt. No specific dollar cap on preparation fees; §3-102(a)(12) authorizes "reasonable charges."
Source: Vermont state legislature. Statutes verified by CommunityPay.
Pending & Recent Vermont HOA Legislation
Last action: May 29, 2026
Last action: May 29, 2026
Last action: May 29, 2026
Last action: May 29, 2026
Last action: May 19, 2026
Last action: Mar 25, 2026
Last action: Jan 23, 2026
Last action: Jan 16, 2026
Last action: Jan 9, 2026
11 HOA-relevant bills tracked for Vermont · refreshed Oct 3, 2026 · Source: LegiScan
Frequently Asked Questions — Vermont HOA Law
How long does a Vermont HOA have to deliver a resale certificate?
Under 27A V.S.A. §4-109, a Vermont association must deliver the resale certificate within 10 calendar days of a written request from the unit owner, prospective purchaser, or their representative. Missing the deadline carries statutory consequences — including, in many states, release of the buyer from any unpaid amounts the seller owed at the time of the request.
Source: 27A V.S.A. §4-109
How much advance notice must a Vermont HOA give for meetings?
Under 27A V.S.A. §3-108, a Vermont association must give unit owners at least 10 days advance notice of meetings. The notice must specify the date, time, place, and agenda items to be considered. Actions taken at a meeting that violates the notice requirement may be voidable on owner challenge.
Source: 27A V.S.A. §3-108
Does a Vermont HOA assessment lien have priority over a first mortgage?
Yes — Vermont is a 'super-priority' state. Under 27A V.S.A. §3-116, the association's lien for 6 months of unpaid assessments takes priority over a first-recorded mortgage. When the HOA forecloses, the first mortgage lender must either pay the 6 months of super-priority assessments or risk losing its lien — a significant collection tool for the association.
Source: 27A V.S.A. §3-116
Answers derived from the Vermont legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.
Vermont HOA Fee Benchmark
$286
Avg Median Monthly Fee
$270 – $311
County Range
9680
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 14 counties with data.
Communities by City
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Download the Vermont HOA & Condo Compliance Checklist
One PDF — every active Vermont 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
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Vermont Secretary of State public registrations. Legal corpus maintained by CommunityPay's editorial team and traced to primary statute snapshots.
United States Payments and Accounting Governance Infrastructure for Community Associations