Washington HOA & Condo Laws

Washington governs HOAs and condominiums through two primary statutes: the Condominium Act (RCW 64.34) and the Uniform Common Interest Ownership Act (RCW 64.90, also known as WUCIOA). All Washington communities will operate under WUCIOA by January 1, 2028. Key areas include resale certificate requirements, meeting notice rules, owner rights, reserve study obligations, and assessment collection.

Key Statutes

RCW 64.90.640

Resale Certificates — WUCIOA

Washington's Uniform Common Interest Ownership Act requires 26 disclosure items in resale certificates. All WA communities transition to WUCIOA by January 1, 2028.

32 disclosure items · Official text

RCW 64.90.495

Records Access and Retention

Requires associations to maintain records for specified periods and make them available to owners upon request.

2 disclosure items · Official text

RCW 64.90.485

Assessments — Liens and Collection

Governs assessment liens, late fees, and the collection process including foreclosure rights for unpaid assessments.

0 disclosure items · Official text

RCW 64.90.490

Annual Financial Statements

Requires associations to prepare and distribute annual financial statements within 120 days of fiscal year end.

1 disclosure item · Official text

RCW 64.90.445

Board Meetings — Notice and Conduct

Requires 14-day advance notice for board meetings, open meeting access for owners, remote participation, and limits on executive sessions.

2 disclosure items · Official text

RCW 64.34.425

Resale Certificates — Condominium Act

Washington's Condominium Act requires sellers to provide buyers with a resale certificate containing 20 disclosure items within 10 days of request. Buyers have 5 days to cancel after receiving it.

20 disclosure items · Official text

RCW 64.90.545

Reserve Studies

Requires associations to conduct reserve studies identifying major components and estimated replacement costs.

1 disclosure item · Official text

Legal Facts by Category

Assessment · 5

Monthly common expense assessment, unpaid assessments, and special assessments RCW 64.34.425 (b)

Other fees payable by unit owners RCW 64.34.425 (e)

Associations must offer at least one payment method that does not charge owners a convenience fee. RCW 64.90.640

Current assessments, delinquent amounts, and special assessments RCW 64.90.640 (b)

Other fees payable to the association by unit owners RCW 64.90.640 (e)

Compliance · 4

Unsatisfied judgments against the association and status of pending litigation RCW 64.34.425 (k)

Core governance provisions of SB 5129 / WUCIOA take effect January 1, 2026. RCW 64.90.640

Full compliance with WUCIOA required by January 1, 2028. Legacy statutes will be superseded. RCW 64.90.640

Unsatisfied judgments against the association and status of pending actions RCW 64.90.640 (k)

Disclosure · 11

Number of units owned by the declarant and date of transfer of control RCW 64.34.425 (n)

Remaining term of any leasehold estate and renewal/extension provisions RCW 64.34.425 (p)

Qualified warranty coverage and claims history (RCW 64.35.210) RCW 64.34.425 (r)

Electric vehicle charging station requirements and associated costs RCW 64.34.425 (s)

Number of units owned by the declarant and date of transfer of control RCW 64.90.640 (n)

Remaining term of leasehold estate and extension/renewal provisions RCW 64.90.640 (p)

Declaration restrictions on sale proceeds RCW 64.90.640 (q)

Pending sale or encumbrance of common elements RCW 64.90.640 (s)

Qualified warranty coverage and claims history (chapter 64.35 RCW) RCW 64.90.640 (v)

Electric vehicle charging station requirements and associated costs RCW 64.90.640 (x)

Conspicuous notice regarding community membership obligations and financial risks RCW 64.90.640 (z)

Enforcement · 4

Declaration violations in the unit or limited common elements assigned thereto RCW 64.34.425 (m)

Health or building code violations affecting the unit or condominium RCW 64.34.425 (o)

Notice of violations in seller unit or limited common elements RCW 64.90.640 (m)

Environmental, health, or building code violations RCW 64.90.640 (o)

Financial · 13

Common expenses or special assessments past due over 30 days (current within 45 days) RCW 64.34.425 (c)

Association monetary obligations past due over 30 days (current within 45 days) RCW 64.34.425 (d)

Prior year annual financial statement including audit report if prepared RCW 64.34.425 (h)

Balance sheet and revenue/expense statement (accrual basis, current within 120 days) RCW 64.34.425 (i)

Current operating budget RCW 64.34.425 (j)

Associations must prepare and distribute annual financial statements to all owners. RCW 64.90.490

Associations must conduct reserve studies and maintain adequate reserve funds for major repairs. RCW 64.90.545

Assessments past due over 30 days for any unit (current within 45 days) RCW 64.90.640 (c)

Association monetary obligations past due over 30 days (current within 45 days) RCW 64.90.640 (d)

Prior year annual financial statement including audit report if prepared RCW 64.90.640 (h)

Most recent balance sheet and revenue/expense statement RCW 64.90.640 (i)

Current operating budget RCW 64.90.640 (j)

Cooperative accountant statement on tax deductibility RCW 64.90.640 (r)

Governance · 11

Right of first refusal or restraint on free alienability RCW 64.34.425 (a)

Declaration, bylaws, rules and regulations, current reserve study RCW 64.34.425 (q)

Boards must provide at least 14 days advance notice for regular meetings. Urgent matters may use 7-day notice. RCW 64.90.445

All board and committee meetings must be open to owners, except for properly conducted executive sessions. RCW 64.90.445

Written materials provided to board members must be made available to owners upon request. RCW 64.90.495

Boards must provide at least 15 minutes for owner comments at the start of each board meeting. RCW 64.90.640

Remote participation in meetings must be allowed, even if governing documents previously prohibited it. RCW 64.90.640

Right of first refusal or restraint on free alienability RCW 64.90.640 (a)

Restrictions on unit use, occupancy, lease, or rental RCW 64.90.640 (t)

Declaration, bylaws, rules, board and association meeting minutes (last 12 months), reserve study summary RCW 64.90.640 (u)

Age-related occupancy restrictions RCW 64.90.640 (w)

Insurance · 2

Insurance coverage description provided to unit owners RCW 64.34.425 (l)

Insurance coverage description and broker/agent contact information RCW 64.90.640 (l)

Records · 2

Associations must maintain certain records for specified periods and make them available to owners. RCW 64.90.495

Enhanced recordkeeping with automated audit trails for governance decisions. RCW 64.90.640

Reserves · 6

Anticipated repair or replacement costs exceeding 5% of annual budget, approved by the board RCW 64.34.425 (f)

Amount of reserves and designation for specified projects RCW 64.34.425 (g)

Disclosure if association has no current reserve study RCW 64.34.425 (t)

Expenditures or anticipated repairs exceeding 5% of annual budget, approved by the board RCW 64.90.640 (f)

Whether association has reserve study per RCW 64.90.545 and 64.90.550 RCW 64.90.640 (g)

Disclosure if association has no current reserve study RCW 64.90.640 (y)

Legal references last verified March 9, 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.