Massachusetts 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 …

M.G.L. c. 183A

Massachusetts Condominium Act →

Governs all condominiums created in Massachusetts. Covers creation, unit ownership, common areas, assessments, liens, management, bylaws, insurance, and termination. Massachusetts does not have a separate …

M.G.L. c. 183A, §10

Condominium Organization Powers and Duties →

Grants the organization of unit owners powers to manage and maintain common areas, obtain insurance, conduct litigation, impose assessments and fines. Requires maintenance of complete …

M.G.L. c. 183A, §6

Condominium Assessment Lien and Super-Priority →

Establishes assessment lien on each condominium unit from the time assessments become due. The lien has super-priority over a first mortgage to the extent of …

M.G.L. c. 183A, §6(c)

Assessment Delinquency Notice and Rent Collection →

When any assessment is delinquent for at least 60 days, the organization must send notice by certified mail and first-class mail to the unit owner …

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.

M.G.L. c. 183A, §10(b)

Condominium Replacement Reserve Fund Requirement →

Requires all condominiums to maintain an adequate replacement reserve fund, collected as part of common expenses and deposited in accounts separate and segregated from operating …

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.

M.G.L. c. 183A, §24

Electronic Meetings and Voting →

Authorizes board meetings and unit owner meetings via telephonic, video, or other interactive electronic communication. Electronic participation counts toward quorum. Unit owners may vote by …

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.

M.G.L. c. 183A, §24

Electronic Meetings and Voting →

Authorizes board meetings and unit owner meetings via telephonic, video, or other interactive electronic communication. Electronic participation counts toward quorum. Unit owners may vote by …

Records Access and Inspection Compare across states →

Unit owner rights to inspect association records — financial statements, meeting minutes, governing documents, contracts, and correspondence. Response timelines, allowable copying fees, and executive session materials exceptions.

M.G.L. c. 183A, §10

Condominium Organization Powers and Duties →

Grants the organization of unit owners powers to manage and maintain common areas, obtain insurance, conduct litigation, impose assessments and fines. Requires maintenance of complete …

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.

M.G.L. c. 183A, §10

Condominium Organization Powers and Duties →

Grants the organization of unit owners powers to manage and maintain common areas, obtain insurance, conduct litigation, impose assessments and fines. Requires maintenance of complete …

M.G.L. c. 183A, §10(b)

Condominium Replacement Reserve Fund Requirement →

Requires all condominiums to maintain an adequate replacement reserve fund, collected as part of common expenses and deposited in accounts separate and segregated from operating …

M.G.L. c. 183A, §6

Condominium Assessment Lien and Super-Priority →

Establishes assessment lien on each condominium unit from the time assessments become due. The lien has super-priority over a first mortgage to the extent of …

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.

M.G.L. c. 183A, §6(d)

Condominium 6(d) Certificate (Resale Certificate) →

Requires the organization of unit owners to furnish a certificate stating unpaid common expenses and other sums assessed against the unit owner within 10 business …

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 …

M.G.L. c. 183A, §10

Condominium Organization Powers and Duties →

Grants the organization of unit owners powers to manage and maintain common areas, obtain insurance, conduct litigation, impose assessments and fines. Requires maintenance of complete …

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.

M.G.L. c. 183A

Massachusetts Condominium Act →

Governs all condominiums created in Massachusetts. Covers creation, unit ownership, common areas, assessments, liens, management, bylaws, insurance, and termination. Massachusetts does not have a separate …

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.

M.G.L. c. 183A, §22

Developer Obligations on Foreclosure →

When a lender forecloses on a condominium development, the lender succeeds to the developer's obligations to unit owners and tenants. The developer remains liable for …

M.G.L. c. 183A, §6

Condominium Assessment Lien and Super-Priority →

Establishes assessment lien on each condominium unit from the time assessments become due. The lien has super-priority over a first mortgage to the extent of …

M.G.L. c. 183A, §6(c)

Assessment Delinquency Notice and Rent Collection →

When any assessment is delinquent for at least 60 days, the organization must send notice by certified mail and first-class mail to the unit owner …

M.G.L. c. 260, §2B

Statute of Repose for Construction Defects →

Establishes a 3-year statute of limitations from discovery and a 6-year statute of repose from the earlier of opening to use or substantial completion. Covers …

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., …

M.G.L. c. 183A, §10A

Electric Vehicle Supply Equipment →

Addresses electric vehicle charging equipment installation rights in condominium common areas. Provides framework for owner installation of EV supply equipment.

Collections & Delinquency Compare across states →

Delinquency management beyond lien filing. FDCPA compliance, payment plans, write-off procedures, credit bureau reporting, and third-party collection agency restrictions. Distinct from "Foreclosure and Liens" which covers the lien-to-foreclosure path.

M.G.L. c. 183A, §6(c)

Assessment Delinquency Notice and Rent Collection →

When any assessment is delinquent for at least 60 days, the organization must send notice by certified mail and first-class mail to the unit owner …

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.

M.G.L. c. 183A, §22

Developer Obligations on Foreclosure →

When a lender forecloses on a condominium development, the lender succeeds to the developer's obligations to unit owners and tenants. The developer remains liable for …

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 …

M.G.L. c. 183A, §10A

Electric Vehicle Supply Equipment →

Addresses electric vehicle charging equipment installation rights in condominium common areas. Provides framework for owner installation of EV supply equipment.

Construction Defect Compare across states →

Statute of limitations and statute of repose for construction defect claims. Right to repair acts, pre-litigation notice requirements, developer transition obligations, and warranty provisions applicable to common interest communities.

M.G.L. c. 260, §2B

Statute of Repose for Construction Defects →

Establishes a 3-year statute of limitations from discovery and a 6-year statute of repose from the earlier of opening to use or substantial completion. Covers …

Legal Facts by Category
MA Assessment Contract Statute of Limitations: 6 years M.G.L. c. 183A, §6
Establishes assessment lien on each condominium unit from the time assessments become due. M.G.L. c. 183A, §6
Enforced pursuant to section five of chapter two hundred and fifty-four M.G.L. c. 183A, §6 (c)
Assessments based on the budget which would have become due in the six months immediately preceding institution of an action to enforce the lien M.G.L. c. 183A, §6 (c)
Provides framework for owner installation of EV supply equipment. M.G.L. c. 183A, §10A
Addresses electric vehicle charging equipment installation rights in condominium common areas. M.G.L. c. 183A, §10A
Establishes a 3-year statute of limitations from discovery and a 6-year statute of repose from the earlier of opening to use or substantial completion. M.G.L. c. 260, §2B
Covers deficiency or neglect in design, planning, construction, or general administration of an improvement to real property. M.G.L. c. 260, §2B
The developer remains liable for misrepresentations and warranties on pre-transfer work. M.G.L. c. 183A, §22
Requires the organization of unit owners to furnish a certificate stating unpaid common expenses and other sums assessed against the unit owner within 10 business days of written request. M.G.L. c. 183A, §6(d)
Binding on the organization and all unit owners. M.G.L. c. 183A, §6(d)
Shall be furnished within ten days of a written request M.G.L. c. 183A, §6(d) (d)
Covers creation, unit ownership, common areas, assessments, liens, management, bylaws, insurance, and termination. M.G.L. c. 183A
Fund adequacy is not defined by statute. M.G.L. c. 183A, §10(b)
Foreclosure is judicial only under M.G.L. M.G.L. c. 183A, §6
When any assessment is delinquent for at least 60 days, the organization must send notice by certified mail and first-class mail to the unit owner and first mortgagee. M.G.L. c. 183A, §6(c)
The lien has super-priority over a first mortgage to the extent of 6 months of common expense assessments preceding enforcement plus costs and attorney fees. M.G.L. c. 183A, §6
Failure to send notice preserves the super-priority lien but excludes costs and attorney fees from the priority amount. M.G.L. c. 183A, §6(c)
No statutory fee cap — "reasonable fee" standard. M.G.L. c. 183A, §6(d)
Known as the "6(d) certificate." When recorded, discharges the unit from any lien for unpaid sums. M.G.L. c. 183A, §6(d)
Massachusetts does not have a separate HOA or planned community act — non-condominium HOAs operate under CC&Rs and general nonprofit corporation law (M.G.L. M.G.L. c. 183A
Governs all condominiums created in Massachusetts. M.G.L. c. 183A
Requires independent CPA review for condominiums with 50 or more units. M.G.L. c. 183A, §10
Grants the organization of unit owners powers to manage and maintain common areas, obtain insurance, conduct litigation, impose assessments and fines. M.G.L. c. 183A, §10
Mandates fidelity insurance for condominiums with more than 10 units (at least one-fourth of annual assessments). M.G.L. c. 183A, §10
Requires maintenance of complete financial records available for reasonable inspection. M.G.L. c. 183A, §10
When a lender forecloses on a condominium development, the lender succeeds to the developer's obligations to unit owners and tenants. M.G.L. c. 183A, §22
Massachusetts lacks the detailed developer turnover timelines found in UCIOA states. M.G.L. c. 183A, §22
Unit owners may vote by mail-in ballot or electronic means. M.G.L. c. 183A, §24
Authorizes board meetings and unit owner meetings via telephonic, video, or other interactive electronic communication. M.G.L. c. 183A, §24
The statute does not prescribe specific notice periods — these are set by the condominium's bylaws per the requirements of Section 11. M.G.L. c. 183A, §24
Electronic participation counts toward quorum. M.G.L. c. 183A, §24
Requires 60-day delinquency notice to owner and mortgagee by certified and first-class mail. M.G.L. c. 183A, §6
After 25 days' written notice, the organization may collect rent directly from the owner's tenants. M.G.L. c. 183A, §6(c)
Pending legislation (S.980, Condominium Owners' Rights Act) would require reserve studies for condominiums with 50+ units every 10 years. M.G.L. c. 183A, §10(b)
Requires all condominiums to maintain an adequate replacement reserve fund, collected as part of common expenses and deposited in accounts separate and segregated from operating funds. M.G.L. c. 183A, §10(b)
No professional reserve study is mandated. M.G.L. c. 183A, §10(b)
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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