Maryland HOA & Condo Laws

Assessment Collection Compare across states →

How HOAs and condominium associations charge, collect, and enforce regular and special assessments. Covers dues billing, delinquency notices, late fees, lien filing, judicial and non-judicial foreclosure, statute of limitations, and …

Md. Code, Real Prop. §11-110

Maryland Condominium Act — Lien for Assessments

Establishes assessment lien priority for condominiums. The lien has priority over all liens except tax liens and first mortgages or deeds of trust recorded before …

Md. Code, Real Prop. §11-135

Maryland Condominium Act — Resale Certificate

Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. The certificate must disclose unpaid assessments, capital expenditures, …

Md. Code, Real Prop. §11B-101

Maryland Homeowners Association Act — Definitions

Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Establishes the regulatory framework for community governance, …

Md. Code, Real Prop. §11B-106

Maryland HOA Act — Resale Disclosure

Requires delivery of a disclosure packet upon resale of a lot in an HOA. The packet must include governing documents, financial statements, budget, insurance information, …

Md. Code, Real Prop. §11B-111

Maryland HOA Act — Powers and Duties of Governing Body

Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Requires board …

Md. Code, Real Prop. §11B-117

Maryland HOA Act — Lien for Assessments

Establishes assessment lien authority for HOAs. The lien arises when assessments become due and has priority over subsequently recorded liens. Maryland permits both judicial and …

Reserve Requirements Compare across states →

Statutory requirements for reserve studies, reserve funding, component inventory, funding plans, and board fiduciary duty regarding major repair and replacement obligations.

Md. Code, Real Prop. §11-109.2

Maryland Condominium Act — Reserve Study

Requires condominium councils to conduct a reserve study for major common element components. The study must include an inventory of components, estimated remaining useful life, …

Md. Code, Real Prop. §11-135

Maryland Condominium Act — Resale Certificate

Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. The certificate must disclose unpaid assessments, capital expenditures, …

Meetings and Notice Compare across states →

Board and owner meeting requirements — open meeting mandates, advance notice periods, agenda requirements, minimum owner comment periods, executive session limits, remote participation, and materials access rules.

Md. Code, Real Prop. §11B-108

Maryland HOA Act — Meetings of Lot Owners

Establishes requirements for meetings of lot owners, including annual meeting obligations, quorum, proxy voting, and special meeting procedures. The association must hold at least one …

Md. Code, Real Prop. §11B-111

Maryland HOA Act — Powers and Duties of Governing Body

Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Requires board …

Elections and Voting Compare across states →

Director elections, board member removal votes, governing document amendments, secret ballot requirements, quorum rules, proxy voting, electronic voting, and inspector of election requirements.

Md. Code, Real Prop. §11B-108

Maryland HOA Act — Meetings of Lot Owners

Establishes requirements for meetings of lot owners, including annual meeting obligations, quorum, proxy voting, and special meeting procedures. The association must hold at least one …

Enforcement and Fines Compare across states →

Association authority to enforce governing documents through fines, suspension of privileges, and legal action. Covers fine limits, hearing requirements, notice-and-opportunity procedures, and limitations on enforcement authority.

Md. Code, Real Prop. §11B-101

Maryland Homeowners Association Act — Definitions

Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Establishes the regulatory framework for community governance, …

Md. Code, Real Prop. §11B-111

Maryland HOA Act — Powers and Duties of Governing Body

Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Requires board …

Resale Disclosure Compare across states →

Resale certificate and transfer disclosure requirements at the time of unit sale. Covers disclosure timing, content, fee caps, delivery deadlines, buyer rescission rights, and association liability for inaccurate information.

Md. Code, Real Prop. §11-135

Maryland Condominium Act — Resale Certificate

Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. The certificate must disclose unpaid assessments, capital expenditures, …

Md. Code, Real Prop. §11B-106

Maryland HOA Act — Resale Disclosure

Requires delivery of a disclosure packet upon resale of a lot in an HOA. The packet must include governing documents, financial statements, budget, insurance information, …

Insurance Requirements Compare across states →

Statutory insurance requirements for HOAs and condominiums — property insurance, liability coverage, directors and officers, fidelity bonds, flood insurance, and cyber liability. Coverage minimums, deductible assessments, and claims procedures.

Md. Code, Real Prop. §11-135

Maryland Condominium Act — Resale Certificate

Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. The certificate must disclose unpaid assessments, capital expenditures, …

Fiduciary Duty Compare across states →

Board member fiduciary obligations — duty of care, duty of loyalty, business judgment rule, conflict of interest disclosure, and personal liability exposure. Statutory duties imposed on directors and officers of …

Md. Code, Real Prop. §11B-111

Maryland HOA Act — Powers and Duties of Governing Body

Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Requires board …

Governance Documents Compare across states →

The foundational documents governing common interest communities — declarations (CC&Rs), bylaws, articles of incorporation, rules and regulations, architectural guidelines, and resolutions. Document hierarchy, amendment procedures, and recording requirements.

Md. Code, Real Prop. §11-101

Maryland Condominium Act — Definitions and Scope

Establishes the regulatory framework for condominiums in Maryland. Governs creation, governance, common element management, council powers, and unit owner rights. Separate from the HOA Act, …

Md. Code, Real Prop. §11B-101

Maryland Homeowners Association Act — Definitions

Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Establishes the regulatory framework for community governance, …

Foreclosure and Liens Compare across states →

Assessment lien filing, priority, extinguishment, and foreclosure procedures. Minimum thresholds for foreclosure, pre-foreclosure notice requirements, mediation mandates, super-priority provisions, and the interaction between HOA liens and mortgage liens.

Md. Code, Real Prop. §11-110

Maryland Condominium Act — Lien for Assessments

Establishes assessment lien priority for condominiums. The lien has priority over all liens except tax liens and first mortgages or deeds of trust recorded before …

Md. Code, Real Prop. §11B-117

Maryland HOA Act — Lien for Assessments

Establishes assessment lien authority for HOAs. The lien arises when assessments become due and has priority over subsequently recorded liens. Maryland permits both judicial and …

Architectural Review Compare across states →

Association authority to review and approve owner modifications to units and common elements. Covers architectural review committees, approval procedures, denial appeals, and statutory limitations on what can be prohibited (e.g., …

Md. Code, Real Prop. §2-119

Solar Energy Collection Devices

Protects the right of property owners to install solar energy collection devices. Limits the authority of HOAs and condominium associations to restrict solar panel installation …

Developer Transition Compare across states →

The handoff from developer control to owner-controlled governance. Turnover requirements, document delivery obligations, transition audits, warranty periods, and developer liability for construction defects revealed after transition.

Md. Code, Real Prop. §11B-115

Maryland HOA Act — Developer Obligations and Transition

Establishes requirements for developer transition of control to the homeowners association. Specifies timelines for turnover, developer warranties, financial obligations, and records that must be provided …

Management Company Regulation Compare across states →

State regulation of community association management companies and individual managers. Licensing requirements, fiduciary duties, disclosure obligations, record-keeping mandates, and prohibited practices. Covers both firm-level and individual-level regulation.

Md. Code, Real Prop. §11B-101.1

Maryland HOA Act — Community Association Manager Requirements

Establishes regulatory requirements for community association managers in Maryland, including registration and disclosure obligations. Maryland requires CAM registration with the state.

Solar & Sustainability Rights Compare across states →

Owner rights to install solar panels, EV charging stations, heat pumps, and other sustainability improvements. State solar access laws, EV-ready building codes, and limitations on association authority to restrict green …

Md. Code, Real Prop. §2-119

Solar Energy Collection Devices

Protects the right of property owners to install solar energy collection devices. Limits the authority of HOAs and condominium associations to restrict solar panel installation …

Legal Facts by Category
Establishes assessment lien priority for condominiums. Md. Code, Real Prop. §11-110
Establishes assessment lien authority for HOAs. Md. Code, Real Prop. §11B-117
Maryland requires CAM registration with the state. Md. Code, Real Prop. §11B-101.1
Maryland requires community association manager registration Md. Code, Real Prop. §11B-101.1
Establishes regulatory requirements for community association managers in Maryland, including registration and disclosure obligations. Md. Code, Real Prop. §11B-101.1
Limits the authority of HOAs and condominium associations to restrict solar panel installation on individually owned property. Md. Code, Real Prop. §2-119
Protects the right of property owners to install solar energy collection devices. Md. Code, Real Prop. §2-119
Requires the council of unit owners to furnish a resale certificate upon request of a unit owner. Md. Code, Real Prop. §11-135
Establishes delivery timeline and buyer cancellation rights. Md. Code, Real Prop. §11-135
Establishes the regulatory framework for community governance, disclosure, and owner rights in non-condominium common interest communities. Md. Code, Real Prop. §11B-101
Requires delivery of a disclosure packet upon resale of a lot in an HOA. Md. Code, Real Prop. §11B-106
Establishes buyer rights and association obligations for timely delivery of the disclosure package. Md. Code, Real Prop. §11B-106
The lien has priority over all liens except tax liens and first mortgages or deeds of trust recorded before the assessment became delinquent. Md. Code, Real Prop. §11-110
Maryland permits both judicial and non-judicial foreclosure of assessment liens, though judicial is more common. Md. Code, Real Prop. §11B-117
The lien arises when assessments become due and has priority over subsequently recorded liens. Md. Code, Real Prop. §11B-117
The study must include an inventory of components, estimated remaining useful life, estimated replacement cost, and recommended annual reserve contribution. Md. Code, Real Prop. §11-109.2
The certificate must disclose unpaid assessments, capital expenditures, pending special assessments, insurance coverage, and reserve fund status. Md. Code, Real Prop. §11-135
The packet must include governing documents, financial statements, budget, insurance information, pending assessments and fees, and any pending litigation. Md. Code, Real Prop. §11B-106
Establishes the regulatory framework for condominiums in Maryland. Md. Code, Real Prop. §11-101
Governs creation, governance, common element management, council powers, and unit owner rights. Md. Code, Real Prop. §11-101
Separate from the HOA Act, which covers non-condominium community associations. Md. Code, Real Prop. §11-101
Defines terms for the Maryland Homeowners Association Act, which governs all HOAs with mandatory membership and assessment authority. Md. Code, Real Prop. §11B-101
The association must hold at least one annual meeting. Md. Code, Real Prop. §11B-108
Establishes requirements for meetings of lot owners, including annual meeting obligations, quorum, proxy voting, and special meeting procedures. Md. Code, Real Prop. §11B-108
Defines the powers and duties of the HOA governing body, including authority to adopt rules, manage common areas, levy assessments, and enforce covenants. Md. Code, Real Prop. §11B-111
Board must act in good faith and in the best interests of the association. Md. Code, Real Prop. §11B-111
Requires board meetings to be open to lot owners with advance notice. Md. Code, Real Prop. §11B-111
Establishes requirements for developer transition of control to the homeowners association. Md. Code, Real Prop. §11B-115
Specifies timelines for turnover, developer warranties, financial obligations, and records that must be provided to the association upon transition. Md. Code, Real Prop. §11B-115
Required at least once every 5 years. Md. Code, Real Prop. §11-109.2
Requires condominium councils to conduct a reserve study for major common element components. Md. Code, Real Prop. §11-109.2
At least once every 5 years Md. Code, Real Prop. §11-109.2
Legal references last verified April 15, 2026. This content is educational and informational. It does not constitute legal advice. Consult a licensed attorney in your state for legal guidance specific to your situation.
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