01
Where Your Condo Resale Certificate Comes From
There are two ways to produce a California condo resale certificate. A document portal takes an order and assembles a packet from whatever data it can pull, then adds a fee on top. CommunityPay generates the certificate from the association’s live ledger, with the statutory fee going to the association — not a middleman.
Document portal
- Orders a packet and waits on the association to supply figures.
- Assembles a PDF from uploaded or re-keyed data.
- Adds a service fee on top of the statutory charge.
- No live tie back to the books behind each number.
CommunityPay
- Generated from the association’s live ledger in minutes.
- Every disclosure item mapped to its statutory subsection.
- The association’s actual cost — no portal markup added.
- SHA-256 content hash and an immutable audit trail.
The statutory fee goes to the association — not a portal.
California lets the association recover its actual cost of preparation.
A document portal layers its own service fee on top of that statutory charge. Generating the
certificate from the association’s own ledger does not.
02
What California Requires
The compliance profile that governs a California condominium resale certificate, with the fee cap, delivery deadline, and buyer review period for each. Every figure is read from the live profile registry.
California Civil Code §4525
Cal. Civ. Code §4525 · 15 required items
Recent change. SB 410 (Grayson, 2025) amended Cal. Civ. Code §4525 to add a new required item to the resale disclosure package: a copy of the most recent §5551 exterior elevated element (balcony/deck) inspection report. The CA resale-certificate compliance profile (ca_civ_4525) gained a new disclosure item for this report. Effective January 1, 2026 — a current-year statutory requirement.
(effective Jan. 1, 2026)
03
Required Disclosure Items
The statutory items that must appear in the certificate, each mapped to its subsection of law. This is the checklist title officers and board members use to verify completeness.
California Civil Code §4525
Cal. Civ. Code §4525 · 15 items
(a)(1)
Governing documents (Articles, CC&Rs, Bylaws, Operating Rules)
“A copy of all governing documents. If the association is not incorporated, this shall include a statement in writing from an authorized representative of the association that the association is not incorporated.”
(a)(2)
Age restrictions, if any (subject to Section 51.3)
“If there is a restriction in the governing documents limiting the occupancy, residency, or use of a separate interest on the basis of age in a manner different from that provided in Section 51.3, a statement that the restriction is only enforceable to the extent permitted by Section 51.3 and a statement specifying the applicable provisions of Section 51.3.”
(a)(4)
Current assessments, fees, unpaid amounts, late charges, interest, collection costs
“A true statement in writing obtained from an authorized representative of the association as to the amount of the association's current regular and special assessments and fees, any assessments levied upon the owner's interest in the common interest development that are unpaid on the date of the statement, and any monetary fines or penalties levied upon the owner's interest and unpaid on the date of the statement. The statement obtained from an authorized representative shall also include true information on late charges, interest, and costs of collection which, as of the date of the statement, are or may be made a lien upon the owner's interest in a common interest development pursuant to Article 2 (commencing with Section 5650) of Chapter 8.”
(a)(5)
Notice(s) of violation under Section 5855 (alleged violations unresolved at request date)
“A copy or a summary of any notice previously sent to the owner pursuant to Section 5855 that sets forth any alleged violation of the governing documents that remains unresolved at the time of the request. The notice shall not be deemed a waiver of the association's right to enforce the governing documents against the owner or the prospective purchaser of the separate interest with respect to any violation. This paragraph shall not be construed to require an association to inspect an owner's separate interest.”
(a)(8)
Approved changes to assessments not yet due and payable
“Any change in the association's current regular and special assessments and fees which have been approved by the board, but have not become due and payable as of the date disclosure is provided pursuant to this subdivision.”
(a)(9)
Rental, lease, or tenant prohibition in governing documents, if any
“If there is a provision in the governing documents that prohibits the rental or leasing of any of the separate interests in the common interest development to a renter, lessee, or tenant, a statement describing the prohibition.”
(a)(10)
Board meeting minutes from previous 12 months (excluding executive session, if requested)
“If requested by the prospective purchaser, a copy of the minutes of board meetings, excluding meetings held in executive session, conducted over the previous 12 months, that were approved by the board.”
(b)(1)
Pro forma operating budget on accrual basis
“A pro forma operating budget, showing the estimated revenue and expenses on an accrual basis.”
(a)
Assessment and Reserve Funding Disclosure Summary
“The disclosures required by this article with regard to an association or a property shall be summarized on the following form:”
§5305
Reviewed financial statement (required if gross income exceeds $75,000)
“Unless the governing documents impose more stringent standards, a review of the financial statement of the association shall be prepared in accordance with generally accepted accounting principles by a licensee of the California Board of Accountancy for any fiscal year in which the gross income to the association exceeds seventy-five thousand dollars ($75,000). A copy of the review of the financial statement shall be distributed to the members within 120 days after the close of each fiscal year, by individual delivery pursuant to Section 4040.”
(b)(9)
Summary of property, liability, earthquake, flood, and fidelity insurance policies
“A summary of the association's property, general liability, earthquake, flood, and fidelity insurance policies. For each policy, the summary shall include the name of the insurer, the type of insurance, the policy limit, and the amount of the deductible, if any. To the extent that any of the required information is specified in the insurance policy declaration page, the association may meet its obligation to disclose that information by making copies of that page and distributing it with the annual budget report.”
(a)(7)
Association policies and practices in enforcing lien rights and assessment collection
“A statement describing the association's policies and practices in enforcing lien rights or other legal remedies for default in the payment of assessments.”
(a)(6)
Initial list of construction defects provided to members under Civil Code §6000 (unless resolved per §6100); includes the statutory privilege and 'final determination not yet made' notice
“A copy of the initial list of defects provided to each member pursuant to Section 6000, unless the association and the builder subsequently enter into a settlement agreement or otherwise resolve the matter and the association complies with Section 6100. Disclosure of the initial list of defects pursuant to this paragraph does not waive any privilege attached to the document. The initial list of defects shall also include a statement that a final determination as to whether the list of defects is accurate and complete has not been made.”
(a)(7)
Latest construction-defect settlement or §6100 disclosure information
“A copy of the latest information provided for in Section 6100.”
(a)(11)
Most recent exterior elevated element (balcony/deck/walkway) inspection report under Civil Code §5551 (applies to buildings with three or more attached multifamily dwelling units)
“A copy of the report issued pursuant to the most recent inspection conducted pursuant to Section 5551.”
“Unknown” is truthful. When a board-confirmed item has not been
provided, the certificate discloses it as “unknown” with an explanatory statement.
It never omits a required item and never fabricates an answer.
04
Order a California Condo Resale Certificate
Title companies, escrow officers, agents, and sellers can request a certificate without an email chain. The board reviews the disclosures and approves; the certificate is generated from the live ledger and delivered.
01
Request. Submit through the request form (or the Title Company API). The address is matched to the association and unit.
02
Board review. The request queues in the association’s Vault. The board confirms board-level disclosures and approves.
03
Generated. Live data is pulled from the ledger, the resale certificate is produced under Cal. Civ. Code §4525, and a SHA-256 hash is stamped.
04
Delivered. The requestor is notified; a callback fires if one was provided. The certificate lives in the Vault with a full event log.
05
Condo Requirements in Other States
CommunityPay generates condominium resale certificates from live ledger data across every state with a verified compliance profile. Each page details that state’s statute, disclosure items, fee cap, and deadlines.
Washington
RCW 64.34.425
Washington condo resale certificate →
Oregon
ORS 94.670
Oregon condo resale certificate →
Florida
Fla. Stat. §718.116
Florida condo estoppel certificate →
Texas
Tex. Prop. Code §82.157
Texas condo resale certificate →
Colorado
C.R.S. §38-33.3-316
Colorado condo resale certificate →
Nevada
NRS 116.4109
Nevada condo resale package →
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A resale certificate is only as trustworthy as the data behind it. When it is generated from the same system of record that processes payments, tracks reserves, and enforces governance controls, every figure is verifiable back to the source transaction.