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.
HOAs & Condos in Snohomish, WA
132 registered communities in Snohomish across Snohomish County. Mix: 75 homeowners association, 46 condominium, 4 property owners association, 4 unclassified entity, 3 townhome association. Median monthly HOA/condo fee in the county is $359.
Resale Certificate Compliance
20 disclosures required
WA
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Right of first refusal or restraint on free alienability RCW 64.34.425(a)
A statement disclosing any right of first refusal or other restraint on the free alienability of the unit contained in the declaration; RCW 64.34.425(a) · verified Jul 2026
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Monthly common expense assessment, unpaid assessments, and special assessments RCW 64.34.425(b)
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 a statement of any special assessments that have been levied against the unit which have not been paid even though not yet due; RCW 64.34.425(b) · verified Jul 2026
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Common expenses or special assessments past due over 30 days (current within 45 days) RCW 64.34.425(c)
A statement, which shall be current to within 45 days, of any common expenses or special assessments against any unit in the condominium that are past due over 30 days; RCW 64.34.425(c) · verified Jul 2026
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Association monetary obligations past due over 30 days (current within 45 days) RCW 64.34.425(d)
A statement, which shall be current to within 45 days, of any obligation of the association which is past due over 30 days; RCW 64.34.425(d) · verified Jul 2026
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Other fees payable by unit owners RCW 64.34.425(e)
A statement of any other fees payable by unit owners; RCW 64.34.425(e) · verified Jul 2026
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Anticipated repair or replacement costs exceeding 5% of annual budget, approved by the board RCW 64.34.425(f)
A statement of any anticipated repair or replacement cost in excess of five percent of the annual budget of the association that has been approved by the board of directors; RCW 64.34.425(f) · verified Jul 2026
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Amount of reserves and designation for specified projects RCW 64.34.425(g)
A statement of the amount of any reserves for repair or replacement and of any portions of those reserves currently designated by the association for any specified projects; RCW 64.34.425(g) · verified Jul 2026
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Prior year annual financial statement including audit report if prepared RCW 64.34.425(h)
The annual financial statement of the association, including the audit report if it has been prepared, for the year immediately preceding the current year; RCW 64.34.425(h) · verified Jul 2026
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Balance sheet and revenue/expense statement (accrual basis, current within 120 days) RCW 64.34.425(i)
A balance sheet and a revenue and expense statement of the association prepared on an accrual basis, which shall be current to within 120 days; RCW 64.34.425(i) · verified Jul 2026
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Current operating budget RCW 64.34.425(j)
The current operating budget of the association; RCW 64.34.425(j) · verified Jul 2026
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Unsatisfied judgments against the association and status of pending litigation RCW 64.34.425(k)
A statement of any unsatisfied judgments against the association and the status of any pending suits or legal proceedings in which the association is a plaintiff or defendant; RCW 64.34.425(k) · verified Jul 2026
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Insurance coverage description provided to unit owners RCW 64.34.425(l)
A statement describing any insurance coverage provided for the benefit of unit owners; RCW 64.34.425(l) · verified Jul 2026
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Declaration violations in the unit or limited common elements assigned thereto RCW 64.34.425(m)
A statement as to whether there are any alterations or improvements to the unit or to the limited common elements assigned thereto that violate any provision of the declaration; RCW 64.34.425(m) · verified Jul 2026
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Number of units owned by the declarant and date of transfer of control RCW 64.34.425(n)
A statement of the number of units, if any, still owned by the declarant, whether the declarant has transferred control of the association to the unit owners, and the date of such transfer; RCW 64.34.425(n) · verified Jul 2026
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Health or building code violations affecting the unit or condominium RCW 64.34.425(o)
A statement as to whether there are any violations of the health or building codes with respect to the unit, the limited common elements assigned thereto, or any other portion of the condominium; RCW 64.34.425(o) · verified Jul 2026
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Remaining term of any leasehold estate and renewal/extension provisions RCW 64.34.425(p)
A statement of the remaining term of any leasehold estate affecting the condominium and the provisions governing any extension or renewal thereof; RCW 64.34.425(p) · verified Jul 2026
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Declaration, bylaws, rules and regulations, current reserve study RCW 64.34.425(q)
A copy of the declaration, the bylaws, the rules or regulations of the association, the association's current reserve study, if any, and any other information reasonably requested by mortgagees of prospective purchasers of units. Information requested generally by the federal national mortgage association, the federal home loan bank board, the government national mortgage association, the veterans administration and the department of housing and urban development shall be deemed reasonable, provided such information is reasonably available to the association; RCW 64.34.425(q) · verified Jul 2026
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Qualified warranty coverage and claims history (RCW 64.35.210) RCW 64.34.425(r)
A statement, as required by RCW 64.35.210, as to whether the units or common elements of the condominium are covered by a qualified warranty, and a history of claims under any such warranty; RCW 64.34.425(r) · verified Jul 2026
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Electric vehicle charging station requirements and associated costs RCW 64.34.425(s)
A statement describing any requirements related to electric vehicle charging stations located in the unit or the limited common elements assigned to the unit, including application status, insurance information, maintenance responsibilities, and any associated costs; RCW 64.34.425(s) · verified Jul 2026
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Disclosure if association has no current reserve study RCW 64.34.425(t)
If the association does not have a reserve study that has been prepared in accordance with RCW 64.34.380 and 64.34.382 or its governing documents, the following disclosure: "This association does not have a current reserve study. The lack of a current reserve study poses certain risks to you, the purchaser. Insufficient reserves may, under some circumstances, require you to pay on demand as a special assessment your share of common expenses for the cost of major maintenance, repair, or replacement of a common element." RCW 64.34.425(t) · verified Jul 2026
Reserve study standards in Washington
Statutory requirements, board preparation checklist, the components a professional study covers, and the useful-life ranges that drive thirty-year funding plans. Generic reference. Not a substitute for a study calibrated to a specific association.
- Cadence
- Annual update; professional visual study every 3rd year
- Authority
- RCW 64.90.545(1)
- Scope
- Component register, condition assessment, funding analysis
Washington WUCIOA (RCW 64.90.545(1)) requires the reserve study to be updated annually; at least every third year, the update must be prepared by a reserve study professional and based on a visual site inspection.
Most state regimes also require:
- Annual disclosure of reserve funding status to owners.
- Segregation of reserve funds from operating cash.
- Board approval of the funding plan tied to the most recent study.
A reserve study has three parts:
- Component register — every long-lived asset the association is responsible for maintaining.
- Condition assessment — current age, remaining useful life, observable wear.
- Funding analysis — how much the association must contribute each year so cash is available when components reach end-of-life.
CommunityPay maintains a Reserve Funding Status Report (RSR) generator tied to the live ledger. It is a status report, not a substitute for a professional study with on-site inspection.
What a board should have organized before commissioning a reserve study, and what a study delivers back. Use this list to evaluate whether the association is ready, regardless of state.
- 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.
- Condition assessments Last inspection reports, photographs, observed wear, recent repairs. The analyst calibrates useful-life estimates against this evidence.
- Useful-life and replacement-cost estimates Per component, calibrated to local climate, construction, and use intensity. A study produces these; the board verifies them.
- Thirty-year capital plan When each component reaches end-of-life and what replacement will cost in nominal dollars at that year.
- Funding plan Percent-funded, threshold, or baseline approach with an explicit annual contribution. The board approves; the study models outcomes.
- Current reserve fund balance Separated from operating cash. Ideally in interest-bearing accounts with FDIC coverage on the full balance.
- Annual budget tied to the funding plan Reserve contribution as an explicit budget line, traceable to the study and the funding policy.
- Most recent reserve study Full study, update, or interim review. Author credentials and date of the most recent on-site inspection.
- Insurance schedule Replacement-cost coverage on insured components. Deductibles that may draw against reserves in a loss.
- 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.
HVAC chillers and cooling towers. Boilers and water heaters. Ventilation. Pumps. Fire suppression and sprinkler systems. Emergency generators. Elevators — cabs, controllers, jacks, and modernizations.
Parking lots: seal coat, overlay, full reconstruction. Concrete sidewalks and curbs. Site lighting. Storm drainage. Retaining walls. Fencing. Entry gates and signage.
Main water lines and risers. Sanitary and storm sewer lines. Backflow preventers. Common-area electrical panels and switchgear. Transformer pads. Distribution.
Pools, spas, and pool equipment. Clubhouse interiors. Fitness rooms. Playgrounds. Tennis and pickleball courts. Mailbox kiosks. Trash enclosures and dumpster pads.
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 roof | 20–25 years |
| Metal roof | 40–50 years |
| Tile or slate roof | 50+ years |
| Flat membrane roof (TPO/EPDM) | 15–25 years |
| Wood siding | 20–30 years |
| Fiber cement siding | 30–50 years |
| Stucco | 50+ years |
| Exterior paint cycle | 7–10 years |
| Gutters and downspouts | 20–30 years |
| Wood deck, pressure-treated | 15–20 years |
| Composite deck | 25–30 years |
| Asphalt parking — seal coat | 3–5 years |
| Asphalt parking — overlay | 12–15 years |
| Asphalt parking — reconstruction | 25–30 years |
| Concrete sidewalks and curbs | 30–50 years |
| Site lighting (poles, fixtures) | 20–30 years |
| Wood fencing | 15–25 years |
| Pool plaster | 10–15 years |
| Pool pump and filter | 7–10 years |
| HVAC rooftop unit | 15–20 years |
| Boiler | 25–30 years |
| Commercial water heater | 10–15 years |
| Fire alarm panel | 20–25 years |
| Elevator cab finishes | 15–20 years |
| Elevator modernization | 25–30 years |
| Carpet, clubhouse | 7–10 years |
| Playground equipment | 10–15 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.
- 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.
Meeting requirements in Washington
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
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14
days advance notice
RCW 64.90.445(1)(c) - Board meeting
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14
days advance notice
RCW 64.90.445(2)(f) - Urgent / special meeting
- 7 days minimum notice
- Owner comment period
- 15 minutes minimum at each board meeting
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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 RCW 64.90 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.
Statute sets the default at 20% of allocated interests unless the governing documents specify a different threshold.
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.
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.
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.
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.
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 RCW 64.90 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.
- 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.
- Retention period Washington requires retention for at least 7 years. Reserve studies, declarations, amendments, and assessments — permanent.
- Owner inspection rights Washington requires the association to respond within 10 days of a written request.
- 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.
- 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.
- 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.
- 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 RCW 64.90 and related subsections. A records-request response that misses the statutory deadline may expose the association to a per-day penalty.
- Board Meeting Packet Generator → Free. State-aware agenda, minutes template, and compliance checklist exported to a PDF for the board pack. No signup required.
Download the Washington HOA & Condo Compliance Checklist
One PDF — every active Washington 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