Indiana HOA & Condominium Law
9 active Indiana statutes govern homeowners associations and condominiums in the state. The corpus encodes 20 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Estoppel Disclosure Workflow
13 standard items
IN
CommunityPay has not verified a state-specific statutory resale certificate regime in Indiana. Disclosure follows a non-statutory estoppel workflow. The 13 items below reflect standard title company and lender expectations, not legal requirements specific to any particular association.
- Current periodic assessment amount and any unpaid or delinquent assessments
- Pending or approved special assessments
- Reserve fund balance and designated projects
- Most recent balance sheet and income/expense statement
- Current operating budget
- Insurance coverage provided for the benefit of owners
- Pending lawsuits, unsatisfied judgments, or threatened litigation
- Board composition, meeting frequency, and governance status
- Declaration, bylaws, and rules and regulations
- Capital expenditures approved or anticipated for current and next two fiscal years
- Transfer fees, move-in/move-out fees, or other charges upon sale
- Known violations of the governing documents or applicable codes
- Right of first refusal or other restraints on transfer
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate.
Indiana does not cap RC preparation fees by statute. With CommunityPay, the board issues the certificate directly from live ledger data — eliminating the third-party fee entirely. Residents typically save $250–$400 per closing.
What Indiana Law Requires
Governance (11)
- Establishes the legal framework for condominium ownership in Indiana. Ind. Code §32-25-2-1
- Definitions for the Indiana Horizontal Property Act including horizontal property regime, unit, common areas and facilities, co-owner, and building. Ind. Code §32-25-2-1
- Co-owners govern through bylaws adopted as part of the declaration. Ind. Code §32-25-4-1
- Board exercises management powers delegated by the co-owners. Ind. Code §32-25-4-1
- Administration of horizontal property regime. Ind. Code §32-25-4-1
- Defines common areas and facilities and establishes co-owner rights and obligations with respect to shared property. Ind. Code §32-25-5-1
- Each co-owner holds an undivided interest in the common areas. Ind. Code §32-25-5-1
- Definitions for the Indiana HOA Act including homeowners association, governing documents, lot, and common areas. Ind. Code §32-25.5-2-1
- Provides statutory framework for non-condominium planned communities. Ind. Code §32-25.5-2-1
- Powers and duties of homeowners associations including assessment authority, rule enforcement, and governance. Ind. Code §32-25.5-3-1
- Provides statutory backing for association actions beyond what governing documents may authorize. Ind. Code §32-25.5-3-1
Assessment (3)
- Establishes statutory lien authority for homeowners associations. Ind. Code §32-25.5-4-1
- Assessment liens against individual condominium units. Ind. Code §32-25-6-2
- IN Judicial Foreclosure Required Ind. Code §32-25-6-2
Enforcement (5)
- Association may create a lien on a lot for unpaid assessments. Ind. Code §32-25.5-4-1
- Lien attaches upon recording with the county recorder. Ind. Code §32-25.5-4-1
- No statutory super-priority provision for assessment liens over first mortgages. Ind. Code §32-25-6-2
- Common expenses assessed against co-owners create a lien upon the unit. Ind. Code §32-25-6-2
- Indiana is a judicial foreclosure state. Ind. Code §32-25-6-2
Insurance (1)
- Insurance requirements for horizontal property regimes including property insurance on common areas and liability coverage. Ind. Code §32-25-4-4
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Governance Documents
4
Assessment Collection
3
Enforcement and Fines
2
Fiduciary Duty
2
Foreclosure and Liens
2
Insurance Requirements
1
Meetings and Notice
1
Each chip links to the Indiana statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
Horizontal Property Act — Definitions
Definitions for the Indiana Horizontal Property Act including horizontal property regime, unit, common areas and facilities, co-owner, and building. Establishes the legal framework for condominium ownership in Indiana.
Horizontal Property Act — Administration
Administration of horizontal property regime. Co-owners govern through bylaws adopted as part of the declaration. Board exercises management powers delegated by the co-owners.
Horizontal Property Act — Insurance Requirements
Insurance requirements for horizontal property regimes including property insurance on common areas and liability coverage.
Horizontal Property Act — Common Areas and Facilities
Defines common areas and facilities and establishes co-owner rights and obligations with respect to shared property. Each co-owner holds an undivided interest in the common areas.
Indiana HOA Act — Definitions
Definitions for the Indiana HOA Act including homeowners association, governing documents, lot, and common areas. Provides statutory framework for non-condominium planned communities.
Indiana HOA Act — Association Powers
Powers and duties of homeowners associations including assessment authority, rule enforcement, and governance. Provides statutory backing for association actions beyond what governing documents may authorize.
Indiana HOA Act — Member Meetings
Annual and special meeting notice requirements for homeowners associations.
Indiana HOA Act — Assessment Liens
Establishes statutory lien authority for homeowners associations. Association may create a lien on a lot for unpaid assessments. Lien attaches upon recording with the county recorder.
Horizontal Property Act — Liens Against Units
Assessment liens against individual condominium units. Common expenses assessed against co-owners create a lien upon the unit. Indiana is a judicial foreclosure state. No statutory super-priority provision for assessment liens over first mortgages.
Source: Indiana state legislature. Statutes verified by CommunityPay. Last verified April 2026.
Pending & Recent Indiana HOA Legislation
Last action: Mar 12, 2026
Last action: Mar 3, 2026
Last action: Mar 5, 2026
Last action: Mar 3, 2026
Last action: Feb 24, 2026
Last action: Feb 10, 2026
6 HOA-relevant bills tracked for Indiana · refreshed May 2, 2026 · Source: LegiScan
Indiana HOA Fee Benchmark
$186
Avg Median Monthly Fee
$83 – $280
County Range
54154
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 89 counties with data.
Communities by City
Indianapolis
10
Fort Wayne
9
Hoagland
5
Carmel
4
Columbia City
3
Mooresville
3
Nashville
3
Shoals
3
South Bend
3
Terre Haute
3
Angola
2
Avon
2
Brownsburg
2
Greendale
2
Howe
2
Knox
2
New Haven
2
Nineveh
2
Portage
2
Westville
2
Arcola
1
Auburn
1
Buck Creek
1
Cloverdale
1
Decatur
1
Derby
1
Elkhart
1
Evansville
1
Fishers
1
Gas City
1
Greenwood
1
Harlan
1
Huntington
1
Kendallville
1
Lafayette
1
Lakeville
1
Lapel
1
Leesburg
1
Lowell
1
Middlebury
1
Morgantown
1
Newburgh
1
New Carlisle
1
North Vernon
1
North Webster
1
Odon
1
Oolitic
1
Orland
1
Peru
1
Remington
1
Rome City
1
Springville
1
Syracuse
1
Valparaiso
1
Winona Lake
1
Wolcottville
1
Free download · Email gated
Download the Indiana HOA & Condo Compliance Checklist
One PDF — every active Indiana statute we track, statutory fee caps and time limits, recent legal changes from the last 12 months, and the resale-certificate disclosure profile. Built from CommunityPay's living legal corpus, the same data that drives our resale certificates, reserve reports, and CARI scoring.
- Statutory fee caps and time limits (resale, late fees, lien priority)
- Recent law changes with effective dates
- Resale & estoppel disclosure profile, item by item
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Indiana Secretary of State public registrations. Legal corpus maintained by CommunityPay's editorial team and traced to primary statute snapshots.
United States Payments and Accounting Governance Infrastructure for Community Associations