01
What Washington Requires
Washington has two statutes governing resale certificates for community associations. Which one applies depends on when the community was formed and whether it has opted in to the newer act.
RCW 64.34.425
Washington Condominium Act. Applies to condominiums
formed before July 2018. 20 required disclosure items
covering financials, reserves, insurance, governance,
and unit-specific status.
RCW 64.90.640
Washington Uniform Common Interest Ownership Act (WUCIOA).
Applies to communities formed after July 2018 or opted-in.
26 required disclosure items. Broader scope including
age restrictions, use restrictions, and conspicuous notice.
Common Requirements
Both statutes: 10-day delivery deadline and $275 preparation
fee cap. They diverge on the details: WUCIOA caps updates at $100 and gives the buyer 5 business days
to cancel after first receipt (as amended effective June 11, 2026); the Condominium Act allows a nominal fee (no dollar cap) for updates
and makes the contract voidable until the certificate is provided and for 5 days thereafter, or until conveyance.
2028 deadline. All Washington common interest communities
transition to WUCIOA (RCW 64.90) by January 1, 2028. Communities formed
before July 2018 should prepare for the expanded disclosure requirements
— from 20 items to 26.
02
Required Disclosure Items
The statutory items that must be included in each resale certificate, mapped to the specific subsection of law. This is the checklist title officers and board members use to verify completeness.
RCW 64.34.425
Washington Condominium Act · 20 items
(a)
Right of first refusal or restraint on free alienability
(b)
Monthly common expense assessment, unpaid assessments, and special assessments
(c)
Common expenses or special assessments past due over 30 days (current within 45 days)
(d)
Association monetary obligations past due over 30 days (current within 45 days)
(e)
Other fees payable by unit owners
(f)
Anticipated repair or replacement costs exceeding 5% of annual budget, approved by the board
(g)
Amount of reserves and designation for specified projects
(h)
Prior year annual financial statement including audit report if prepared
(i)
Balance sheet and revenue/expense statement (accrual basis, current within 120 days)
(j)
Current operating budget
(k)
Unsatisfied judgments against the association and status of pending litigation
(l)
Insurance coverage description provided to unit owners
(m)
Declaration violations in the unit or limited common elements assigned thereto
(n)
Number of units owned by the declarant and date of transfer of control
(o)
Health or building code violations affecting the unit or condominium
(p)
Remaining term of any leasehold estate and renewal/extension provisions
(q)
Declaration, bylaws, rules and regulations, current reserve study
(r)
Qualified warranty coverage and claims history (RCW 64.35.210)
(s)
Electric vehicle charging station requirements and associated costs
(t)
Disclosure if association has no current reserve study
RCW 64.90.640
WUCIOA · 26 items
(a)
Right of first refusal or restraint on free alienability
(b)
Current assessments, delinquent amounts, and special assessments
(c)
Assessments past due over 30 days for any unit (current within 45 days)
(d)
Association monetary obligations past due over 30 days (current within 45 days)
(e)
Other fees payable to the association by unit owners
(f)
Expenditures or anticipated repairs exceeding 5% of annual budget, approved by the board
(g)
Whether association has reserve study per RCW 64.90.545 and 64.90.550
(h)
Annual financial statement including the most recent financial audit report available
(i)
Most recent balance sheet and revenue/expense statement
(j)
Current operating budget
(k)
Unsatisfied judgments against the association and status of pending actions
(l)
Insurance coverage description and broker/agent contact information
(m)
Notice of violations in seller unit or limited common elements
(n)
Number of units owned by the declarant and date of transfer of control
(o)
Environmental, health, or building code violations
(p)
Remaining term of leasehold estate and extension/renewal provisions
(q)
Declaration restrictions on sale proceeds
(r)
Cooperative accountant statement on tax deductibility
(s)
Pending sale or encumbrance of common elements
(t)
Restrictions on unit use, occupancy, lease, or rental
(u)
Declaration, organizational documents, rules, all board policies/procedures/resolutions currently in effect, board and association meeting minutes (last 12 months), and the most current reserve study
(v)
Qualified warranty coverage and claims history (chapter 64.35 RCW)
(w)
Age-related occupancy restrictions
(x)
Electric vehicle charging station requirements and associated costs
(y)
Disclosure if association has no current reserve study
(z)
Conspicuous notice regarding community membership obligations and financial risks
Data source matters. In a manual process, each of these 20–26 items
requires someone to find the right document, extract the right number, and transcribe
it correctly. In CommunityPay, each item maps to a specific data model in the ledger.
The certificate pulls live data — no transcription, no stale figures.
03
The Problem with Manual Assembly
Most Washington associations still produce resale certificates by hand — pulling numbers from accounting software, hunting for insurance certificates, checking violation logs, and copying it all into a Word document. The 10-calendar-day deadline makes this a recurring fire drill that creates real liability.
| Manual Process | System-Generated | |
|---|---|---|
| Turnaround | Days to weeks | Seconds |
| Data accuracy | Depends on who prepares it | Live from ledger |
| Statute mapping | Manual checklist, easy to miss items | Every item mapped to subsection |
| Balance sheet | May be months old | Current within 120 days (enforced) |
| Verifiability | None — Word doc or scanned PDF | SHA-256 content hash, QR verification |
| Risk flags | Not surfaced | Deterministic (stale data, delinquency, gaps) |
| Audit trail | Email chain, maybe | Immutable packet with event log |
04
Sample Certificate
A sample resale certificate generated for a fictional Washington condominium using RCW 64.34.425. The same format, structure, and compliance mapping used in production — with demo data.
Cascade Ridge Condominium Association
Unit 204B · RCW 64.34.425 · Sample Data
- Cover page with compliance profile and statutory reference
- Compliance matrix showing status of all 20 required items
- Financial status: $425/month assessment, no delinquency
- Reserve fund: $185,000 balance, 72% funded
- Insurance coverage: D&O, General Liability, Property
- Board governance: 5 members, current attestation on file
- Risk flags panel with severity-based indicators
- SHA-256 content hash and verification section
- Branded footer with QR verification code
- Mandatory buyer cancellation rights disclosure
Every certificate includes a SHA-256 content hash and verification URL.
Recipients can independently confirm the document has not been altered
after generation.
05
How It Works
From request to delivery. Title companies can submit requests via API or form. The board reviews disclosures before generation. The certificate is generated from live ledger data and delivered with an HMAC-signed callback.
01
Request received.
Title company submits via API (
POST /api/v1/rc/request/),
public form, or board initiates directly. Property address matched to HOA and unit.
02
Board review.
Request appears in the Vault RC Requests queue. Board reviews
disclosure items and can set overrides for items requiring
board-confirmed information (litigation, warranties).
03
Board approves.
Disclosure modal shows all items that will be included.
Board confirms, and the system pulls live data from every
relevant model in the ledger.
04
Certificate generated.
Compliance profile selected, snapshot assembled, compliance check
computed, risk flags evaluated, PDF rendered with branded footer
and verification QR. SHA-256 content hash computed from canonical JSON.
05
Delivered.
Requestor notified. If a callback URL was provided, HMAC-SHA256 signed
POST delivered with exponential backoff (5 retries). Certificate
available in the Vault with full event log.
06
Multi-State Coverage
Washington is our home market with both statute profiles in production. The same compliance-profile-driven architecture supports 10 states today.
| State | Statute | Profile | Items | Status |
|---|---|---|---|---|
| WA | RCW 64.34.425 | Condominium Act | 20 | Production |
| WA | RCW 64.90.640 | WUCIOA | 26 | Production |
| CA | Cal. Civ. Code §4525 | Davis-Stirling Act | 15 | Active |
| OR | ORS 94.670 | Planned Community Disclosure | 11 | Active |
| FL | Fla. Stat. §720.30851 | HOA Act | 19 | Active |
| FL | Fla. Stat. §718.116 | Condominium Act | 19 | Active |
| TX | Tex. Prop. Code §207.003 | HOA Act | 16 | Active |
| TX | Tex. Prop. Code §82.157 | Condominium Act | 14 | Active |
| CO | C.R.S. §38-33.3-316 | CCIOA (unified) | 12 | Active |
| NV | NRS 116.4109 | CIC Act (unified) | 10 | Active |
| PA | 68 Pa.C.S. §5407 | UPCA (planned community) | 18 | Active |
| PA | 68 Pa.C.S. §3407 | UCA (condominium) | 18 | Active |
| VA | Va. Code §55.1-2310 | Resale Disclosure Act (unified) | 30 | Active |
| AZ | A.R.S. §33-1806 | Planned Community Act | 16 | Production |
Profile-driven, not template-driven. Each compliance profile defines
required items, statutory references, fee caps, delivery deadlines, and mandatory disclosures.
Adding a new state means adding a new profile — the generation engine, PDF rendering,
and verification infrastructure are shared.
A resale certificate is only as trustworthy as the data behind it. When the certificate 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.
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