01
Where Your Condo Resale Certificate Comes From
There are two ways to produce a Washington 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 statutory fee ($275) goes to the association — no portal markup.
- SHA-256 content hash and an immutable audit trail.
The statutory fee goes to the association — not a portal.
Washington caps the condo resale certificate at $275.
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 Washington Requires
The compliance profiles that govern a Washington condominium resale certificate, with the fee cap, delivery deadline, and buyer review period for each. Every figure is read from the live profile registry.
Washington Condominium Act
RCW 64.34.425 · 20 required items
Washington Uniform Common Interest Ownership Act
RCW 64.90.640 · 26 required items
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.
Washington Condominium Act
RCW 64.34.425 · 20 items
(a)
Right of first refusal or restraint on free alienability
“A statement disclosing any right of first refusal or other restraint on the free alienability of the unit contained in the declaration;”
(b)
Monthly common expense assessment, unpaid assessments, and special assessments
“A statement setting forth the amount of the monthly common expense assessment and any unpaid common expense or special assessment currently due and payable from the selling unit owner and a statement of any special assessments that have been levied against the unit which have not been paid even though not yet due;”
(c)
Common expenses or special assessments past due over 30 days (current within 45 days)
“A statement, which shall be current to within 45 days, of any common expenses or special assessments against any unit in the condominium that are past due over 30 days;”
(d)
Association monetary obligations past due over 30 days (current within 45 days)
“A statement, which shall be current to within 45 days, of any obligation of the association which is past due over 30 days;”
(e)
Other fees payable by unit owners
“A statement of any other fees payable by unit owners;”
(f)
Anticipated repair or replacement costs exceeding 5% of annual budget, approved by the board
“A statement of any anticipated repair or replacement cost in excess of five percent of the annual budget of the association that has been approved by the board of directors;”
(g)
Amount of reserves and designation for specified projects
“A statement of the amount of any reserves for repair or replacement and of any portions of those reserves currently designated by the association for any specified projects;”
(h)
Prior year annual financial statement including audit report if prepared
“The annual financial statement of the association, including the audit report if it has been prepared, for the year immediately preceding the current year;”
(i)
Balance sheet and revenue/expense statement (accrual basis, current within 120 days)
“A balance sheet and a revenue and expense statement of the association prepared on an accrual basis, which shall be current to within 120 days;”
(j)
Current operating budget
“The current operating budget of the association;”
(k)
Unsatisfied judgments against the association and status of pending litigation
“A statement of any unsatisfied judgments against the association and the status of any pending suits or legal proceedings in which the association is a plaintiff or defendant;”
(l)
Insurance coverage description provided to unit owners
“A statement describing any insurance coverage provided for the benefit of unit owners;”
(m)
Declaration violations in the unit or limited common elements assigned thereto
“A statement as to whether there are any alterations or improvements to the unit or to the limited common elements assigned thereto that violate any provision of the declaration;”
(n)
Number of units owned by the declarant and date of transfer of control
“A statement of the number of units, if any, still owned by the declarant, whether the declarant has transferred control of the association to the unit owners, and the date of such transfer;”
(o)
Health or building code violations affecting the unit or condominium
“A statement as to whether there are any violations of the health or building codes with respect to the unit, the limited common elements assigned thereto, or any other portion of the condominium;”
(p)
Remaining term of any leasehold estate and renewal/extension provisions
“A statement of the remaining term of any leasehold estate affecting the condominium and the provisions governing any extension or renewal thereof;”
(q)
Declaration, bylaws, rules and regulations, current reserve study
“A copy of the declaration, the bylaws, the rules or regulations of the association, the association's current reserve study, if any, and any other information reasonably requested by mortgagees of prospective purchasers of units. Information requested generally by the federal national mortgage association, the federal home loan bank board, the government national mortgage association, the veterans administration and the department of housing and urban development shall be deemed reasonable, provided such information is reasonably available to the association;”
(r)
Qualified warranty coverage and claims history (RCW 64.35.210)
“A statement, as required by RCW 64.35.210, as to whether the units or common elements of the condominium are covered by a qualified warranty, and a history of claims under any such warranty;”
(s)
Electric vehicle charging station requirements and associated costs
“A statement describing any requirements related to electric vehicle charging stations located in the unit or the limited common elements assigned to the unit, including application status, insurance information, maintenance responsibilities, and any associated costs;”
(t)
Disclosure if association has no current reserve study
“If the association does not have a reserve study that has been prepared in accordance with RCW 64.34.380 and 64.34.382 or its governing documents, the following disclosure: "This association does not have a current reserve study. The lack of a current reserve study poses certain risks to you, the purchaser. Insufficient reserves may, under some circumstances, require you to pay on demand as a special assessment your share of common expenses for the cost of major maintenance, repair, or replacement of a common element."”
Washington Uniform Common Interest Ownership Act
RCW 64.90.640 · 26 items
(a)
Right of first refusal or restraint on free alienability
“A statement disclosing any right of first refusal or other restraint on the free alienability of the unit contained in the declaration;”
(b)
Current assessments, delinquent amounts, and special assessments
“With respect to the selling unit owner's unit, a statement setting forth the amount of any assessment currently due, any delinquent assessments, and a statement of any special assessments that have been levied and have not been paid even though not yet due;”
(c)
Assessments past due over 30 days for any unit (current within 45 days)
“A statement, which must be current to within 45 days, of any assessments against any unit in the condominium that are past due over 30 days;”
(d)
Association monetary obligations past due over 30 days (current within 45 days)
“A statement, which must be current to within 45 days, of any monetary obligation of the association that is past due over 30 days;”
(e)
Other fees payable to the association by unit owners
“A statement of any other fees payable to the association by unit owners;”
(f)
Expenditures or anticipated repairs exceeding 5% of annual budget, approved by the board
“A statement of any expenditure or anticipated repair or replacement cost reasonably anticipated to be in excess of five percent of the board-approved annual budget of the association, regardless of whether the unit owners are entitled to approve such cost;”
(g)
Whether association has reserve study per RCW 64.90.545 and 64.90.550
“A statement whether the association does or does not have a reserve study prepared in accordance with RCW 64.90.545 and 64.90.550;”
(h)
Annual financial statement including the most recent financial audit report available
“The annual financial statement of the association, including the most recent financial audit report available;”
(i)
Most recent balance sheet and revenue/expense statement
“The most recent balance sheet and revenue and expense statement, if any, of the association;”
(j)
Current operating budget
“The current operating budget of the association;”
(k)
Unsatisfied judgments against the association and status of pending actions
“A statement of any unsatisfied judgments against the association and the status of any legal actions in which the association is a party or a claimant as defined in RCW 64.50.010;”
(l)
Insurance coverage description and broker/agent contact information
“A statement describing any insurance coverage carried by the association and contact information for the association's insurance broker or agent;”
(m)
Notice of violations in seller unit or limited common elements
“A statement as to whether the board has given or received notice in a record that any existing uses, occupancies, alterations, or improvements in or to the seller's unit or to the limited common elements allocated to the unit violate any provision of the governing documents;”
(n)
Number of units owned by the declarant and date of transfer of control
“A statement of the number of units, if any, still owned by the declarant, whether the declarant has transferred control of the association to the unit owners, and the date of such transfer;”
(o)
Environmental, health, or building code violations
“A statement as to whether the board has received notice in a record from a governmental agency of any violation of environmental, health, or building codes with respect to the seller's unit, the limited common elements allocated to that unit, or any other portion of the common interest community that has not been cured;”
(p)
Remaining term of leasehold estate and extension/renewal provisions
“A statement of the remaining term of any leasehold estate affecting the common interest community and the provisions governing any extension or renewal of the leasehold estate;”
(q)
Declaration restrictions on sale proceeds
“A statement of any restrictions in the declaration affecting the amount that may be received by a unit owner upon sale;”
(r)
Cooperative accountant statement on tax deductibility
“In a cooperative, an accountant's statement, if any was prepared, as to the deductibility for federal income tax purposes by the unit owner of real estate taxes and interest paid by the association;”
(s)
Pending sale or encumbrance of common elements
“A statement describing any pending sale or encumbrance of common elements;”
(t)
Restrictions on unit use, occupancy, lease, or rental
“A statement disclosing the effect on the unit to be conveyed of any restriction on the right to use or occupy the unit, including a restriction on a lease or other rental of the unit;”
(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
“A copy of the declaration, the organizational documents, the rules or regulations of the association, all policies, procedures, and resolutions approved by the board that are currently in effect, the minutes of board meetings and association meetings, except for any information exempt from disclosure under RCW 64.90.495(3), for the last 12 months, the most current reserve study for the association, and any other information reasonably requested by mortgagees of prospective purchasers of units. Information requested generally by the federal national mortgage association, the federal home loan bank board, the government national mortgage association, the veterans administration, or the department of housing and urban development is deemed reasonable if the information is reasonably available to the association;”
(v)
Qualified warranty coverage and claims history (chapter 64.35 RCW)
“A statement whether the units or common elements of the common interest community are covered by a qualified warranty under chapter 64.35 RCW and, if so, a history of claims known to the association as having been made under any such warranty;”
(w)
Age-related occupancy restrictions
“A description of any age-related occupancy restrictions affecting the common interest community;”
(x)
Electric vehicle charging station requirements and associated costs
“A statement describing any requirements related to electric vehicle charging stations located in the unit or the limited common elements allocated to the unit, including application status, insurance information, maintenance responsibilities, and any associated costs;”
(y)
Disclosure if association has no current reserve study
“If the association does not have a reserve study that has been prepared in accordance with RCW 64.90.545 and 64.90.550 or its governing documents, the following disclosure: "This association does not have a current reserve study. The lack of a current reserve study poses certain risks to you, the purchaser. Insufficient reserves may, under some circumstances, require you to pay on demand as a special assessment your share of common expenses for the cost of major maintenance, repair, or replacement of a common element.";”
(z)
Conspicuous notice regarding community membership obligations and financial risks
“The resale certificate must include a notice in substantially the following form and in conspicuous type: "THIS UNIT IS LOCATED WITHIN A COMMON INTEREST COMMUNITY AND IS SUBJECT TO THE DECLARATION, BYLAWS, RULES, AND OTHER WRITTEN INSTRUMENTS GRANTING AUTHORITY TO THE ASSOCIATION AS ADOPTED (THE "GOVERNING DOCUMENTS"). THE PURCHASER OF THIS UNIT WILL BE REQUIRED TO BE A MEMBER OF THE ASSOCIATION AND WILL BE SUBJECT TO THE GOVERNING DOCUMENTS. THE GOVERNING DOCUMENTS WILL IMPOSE FINANCIAL OBLIGATIONS UPON THE OWNER OF THE UNIT, INCLUDING AN OBLIGATION TO PAY ASSESSMENTS TO THE ASSOCIATION WHICH MAY INCLUDE REGULAR AND SPECIAL ASSESSMENTS, FINES, FEES, INTEREST, LATE CHARGES, AND COSTS OF COLLECTION, INCLUDING REASONABLE ATTORNEYS' FEES. THE ASSOCIATION HAS A STATUTORY LIEN ON EACH INDIVIDUAL UNIT FOR ANY UNPAID ASSESSMENT FROM THE TIME IT IS DUE. FAILURE TO PAY ASSESSMENTS COULD RESULT IN THE FILING OF A LIEN ON THE UNIT AND LOSS OF THE UNIT THROUGH FORECLOSURE. THE GOVERNING DOCUMENTS MAY PROHIBIT OWNERS FROM MAKING CHANGES TO THE UNIT WITHOUT REVIEW AND THE APPROVAL OF THE ASSOCIATION, AND MAY ALSO IMPOSE RESTRICTIONS ON THE USE OF THE UNIT, DISPLAY OF SIGNS, CERTAIN BEHAVIORS, AND OTHER ITEMS. PURCHASERS OF THIS UNIT SHOULD CAREFULLY REVIEW THE FINANCIAL OBLIGATIONS OF MEMBERS OF THE ASSOCIATION, THE CURRENT STATE OF THE ASSOCIATION'S FINANCES, THE CURRENT RESERVE STUDY, IF ANY, THE GOVERNING DOCUMENTS, AND THE OTHER INFORMATION AVAILABLE IN THE RESALE CERTIFICATE. THE GOVERNING DOCUMENTS CONTAIN IMPORTANT INFORMATION AND CREATE BINDING LEGAL OBLIGATIONS. YOU SHOULD CONSIDER SEEKING THE ASSISTANCE OF LEGAL COUNSEL."”
“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 Washington Condo Resale Certificate
For an association that uses CommunityPay, 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. For any other association, ask its board or its management company.
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 RCW 64.34.425, 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.
California
Cal. Civ. Code §4525
California 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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Order a resale or condo certificate
For an association that uses CommunityPay: its board reviews, then it ships from the live ledger.
Start a request →
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.