Land Of Enchantment Manufactured Home Owners Alliance

Albuquerque, New Mexico
Public record Verified Geography Verified Statute coverage Profile available Contacts Unclaimed

Registered as a homeowners association in New Mexico, in 2025.

Community Profile
Legal Compliance Dashboard — Live Preview New Mexico vs. Washington · 8 requirements tracked
3/8
CommunityPay tracks every numeric statutory requirement — fee caps, time limits, percentage caps, retention periods — across every state's community-association law. The full dashboard renders side-by-side comparisons across all 52 tracked jurisdictions and a live feed of statute amendments. Below, three rows for New Mexico alongside Washington.
Requirement NM WA
RC delivery deadline 10 days 10 days
RC fee cap $300 $275
RC update fee cap $50 $100
Open the full dashboard for New Mexico → all states, every threshold, statute changes tracked daily
Estoppel Disclosure Workflow 13 standard items
NM
CommunityPay has not verified a state-specific statutory resale certificate regime in New Mexico. 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. Under NMSA §47-16-12, New Mexico caps the preparation fee at $300 by statute. With CommunityPay, the board issues the certificate directly from live ledger data — the board controls pricing within the statutory cap. Residents typically save $200+ per closing.
None of these items are confirmed for Land Of Enchantment Manufactured Home Owners Alliance. Set up this community on CommunityPay to track compliance and generate resale certificates from live ledger data.
Institutional Reference

Reserve study standards in New Mexico

Statutory requirements, board preparation checklist, the components a professional study covers, and the useful-life ranges that drive thirty-year funding plans. Generic reference. Not a substitute for a study calibrated to a specific association.

New Mexico does not currently encode a fixed reserve-study cadence in statute. The discipline still applies. Industry standard across the United States is below.

  • Update the component register annually as assets are added, replaced, or retired.
  • Commission a professional reserve study every three to five years. Update it when the component register changes materially.
  • Maintain a thirty-year capital plan with explicit annual funding contributions tied to the study.
  • Keep reserve funds segregated from operating cash. Disclose funding status in the annual budget.
  • Document the board-approved funding policy — percent-funded, threshold, or baseline — in board minutes.

CommunityPay maintains a Reserve Funding Status Report (RSR) generator tied to the live ledger. It is a status report, not a substitute for a professional study with on-site inspection.

What a board should have organized before commissioning a reserve study, and what a study delivers back. Use this list to evaluate whether the association is ready, regardless of state.

  1. Component register Every asset the association is responsible for maintaining — roofs, asphalt, mechanical systems, plumbing risers, elevators, amenities. Freeze a current version before the study.
  2. Condition assessments Last inspection reports, photographs, observed wear, recent repairs. The analyst calibrates useful-life estimates against this evidence.
  3. Useful-life and replacement-cost estimates Per component, calibrated to local climate, construction, and use intensity. A study produces these; the board verifies them.
  4. Thirty-year capital plan When each component reaches end-of-life and what replacement will cost in nominal dollars at that year.
  5. Funding plan Percent-funded, threshold, or baseline approach with an explicit annual contribution. The board approves; the study models outcomes.
  6. Current reserve fund balance Separated from operating cash. Ideally in interest-bearing accounts with FDIC coverage on the full balance.
  7. Annual budget tied to the funding plan Reserve contribution as an explicit budget line, traceable to the study and the funding policy.
  8. Most recent reserve study Full study, update, or interim review. Author credentials and date of the most recent on-site inspection.
  9. Insurance schedule Replacement-cost coverage on insured components. Deductibles that may draw against reserves in a loss.
  10. Board minutes referencing reserve decisions Special assessments, deferred maintenance, funding-policy changes, scope deviations from the study.

Categories most reserve studies cover. The specific components depend on the association. High-rise condos track far more than single-family HOAs. Gated communities track infrastructure that condos never see.

Roofing & Exterior

Asphalt shingle, metal, tile, or flat membrane roofs. Siding (wood, fiber cement, stucco, vinyl). Exterior paint. Soffits and fascia. Gutters and downspouts. Decks and balconies. Railings. Window and door frames in common areas.

Mechanical

HVAC chillers and cooling towers. Boilers and water heaters. Ventilation. Pumps. Fire suppression and sprinkler systems. Emergency generators. Elevators — cabs, controllers, jacks, and modernizations.

Site Work

Parking lots: seal coat, overlay, full reconstruction. Concrete sidewalks and curbs. Site lighting. Storm drainage. Retaining walls. Fencing. Entry gates and signage.

Plumbing & Electrical

Main water lines and risers. Sanitary and storm sewer lines. Backflow preventers. Common-area electrical panels and switchgear. Transformer pads. Distribution.

Amenities

Pools, spas, and pool equipment. Clubhouse interiors. Fitness rooms. Playgrounds. Tennis and pickleball courts. Mailbox kiosks. Trash enclosures and dumpster pads.

Safety & Code

Fire alarm panels. Emergency lighting. Smoke detectors in common areas. Fire-rated doors. Structural fireproofing. Sprinkler heads and inspection-required components.

A mid-size HOA typically tracks thirty to eighty components. A high-rise condo tracks two hundred or more. The categories above are illustrative. A professional reserve study identifies the components a specific association is responsible for.

Typical useful-life ranges for components common in reserve studies. Industry averages, not specific to any state, climate, or association. A professional study calibrates these to local conditions, construction quality, maintenance practice, and use intensity.

Component Typical useful life
Asphalt shingle roof20–25 years
Metal roof40–50 years
Tile or slate roof50+ years
Flat membrane roof (TPO/EPDM)15–25 years
Wood siding20–30 years
Fiber cement siding30–50 years
Stucco50+ years
Exterior paint cycle7–10 years
Gutters and downspouts20–30 years
Wood deck, pressure-treated15–20 years
Composite deck25–30 years
Asphalt parking — seal coat3–5 years
Asphalt parking — overlay12–15 years
Asphalt parking — reconstruction25–30 years
Concrete sidewalks and curbs30–50 years
Site lighting (poles, fixtures)20–30 years
Wood fencing15–25 years
Pool plaster10–15 years
Pool pump and filter7–10 years
HVAC rooftop unit15–20 years
Boiler25–30 years
Commercial water heater10–15 years
Fire alarm panel20–25 years
Elevator cab finishes15–20 years
Elevator modernization25–30 years
Carpet, clubhouse7–10 years
Playground equipment10–15 years

Ranges synthesized from common professional reserve-study references and U.S. building-component literature. Verify against a study performed by a credentialed reserve specialist (RS, PRA, or equivalent) before relying on any figure for funding decisions.

Related tools
  • Reserve Health Check → Free. Inputs reserve balance, annual contribution, building age, and components; returns a grade with the math shown. No signup required to view results.
Institutional Reference

Meeting requirements in New Mexico

Statutory floors for owner and board meetings — notice periods, delivery rules, quorum, voting, written consent, and record retention. Generic reference. Specific bylaws or declarations may impose tighter requirements; statutes set the minimum.

New Mexico statute does not currently encode specific board or owner meeting notice periods in the corpus. The discipline still applies. Industry standard is below.

  • Provide at least 10 days advance notice for board meetings.
  • Provide 14–30 days advance notice for annual or special owner meetings.
  • Hold at least one annual meeting of the membership each year.
  • Keep all board meetings open to owners in good standing; reserve executive session for narrow purposes.
  • Define a quorum threshold in the bylaws and apply it consistently.

CommunityPay maintains a Board Meeting Packet generator that produces a state-aware agenda, draft minutes template, and compliance checklist for the board pack.

How meeting notice must be delivered, what it must contain, and what defects invalidate the notice. Statutes vary in mechanics; the principles are consistent.

  1. Delivery method First-class mail or hand-delivery to the address on file with the association is the universal default. Most states permit electronic delivery only with the owner's written consent. A posted notice on a community bulletin board is not, by itself, sufficient.
  2. Address on file The association is entitled to rely on the address each owner has provided. The owner bears the burden of keeping it current. The board must maintain a registered address list.
  3. Required content Date, time, location (or remote-access link), and an agenda. Material to be voted on — budget, special assessments, rule changes — must be identified specifically. "Other business" is not a substitute for an item.
  4. Notice period start The notice period typically runs from the date of mailing or hand-delivery, not the date of receipt. Some states count both the notice date and the meeting date; others exclude one or both. Confirm the rule.
  5. Remote participation When the association offers remote attendance, the notice must include the access information and any limitations (e.g., audio-only, no chat). Recording rules vary by state.
  6. Defective notice consequences Material defects invalidate actions taken at the meeting. Minor defects (typo in location, slightly late mailing) may be cured by attendance and waiver. Document the cure in the minutes.
  7. Emergency notice Statutes typically permit shortened notice for genuine emergencies (imminent physical harm, immediate financial loss). The board must document the emergency basis in the minutes.

Quorum sets the floor for a valid meeting. Voting mechanics — proxies, ballots, written consent — determine how votes are counted once the quorum is established.

Quorum

Defined in the declaration or bylaws. When silent, statutory defaults apply — typically 20–25% of allocated interests for owner meetings. Quorum is measured at the start; once established it persists even if attendance drops below the threshold.

Proxies

Most states permit proxies for owner meetings. The proxy must be written, dated, and signed; many states require revocation rights and an explicit scope (general or limited). Proxies do not extend to board meetings — directors must vote in person or by permitted remote means.

Written consent

Action without a meeting requires unanimous written consent in most jurisdictions, though some states permit a lower threshold for narrow categories (uncontested matters, ratification). Document the consent in the corporate records, indexed to the action taken.

Ballots

Secret-ballot procedures, double-envelope requirements, and inspector-of-elections rules apply in states with comprehensive election statutes. Director elections, recall votes, and assessment increases above a statutory threshold typically require secret-ballot procedure.

Cumulative voting

Available only when explicitly authorized by the declaration or bylaws. Otherwise straight voting applies — each membership casts one vote per open seat per candidate, with no concentration permitted.

Member in good standing

Voting rights may be suspended for delinquent accounts in some jurisdictions. Suspension typically requires due-process notice and an opportunity to cure. Statutes vary; the bylaws must align.

Minutes are the corporate record of the meeting. Statutes in every state require associations to maintain meeting minutes and make them available to owners on request. Retention periods and access rules vary.

  1. What minutes must contain Date, time, location. Directors and officers present. Quorum determination. Motions made, seconded, and the vote count. Substantive board actions and adopted resolutions. Executive-session minutes kept separately; the open-session minutes record only that a closed session occurred.
  2. Retention period Statutes vary; common floors are seven years for financial records and the life of the association for governance records. Permanent retention is the safer practice. Reserve studies, declarations, amendments, and assessments — permanent.
  3. Owner inspection rights Owners have a statutory right to inspect minutes and association records on written request. The association may charge reasonable copy fees and require inspection during normal business hours at a designated location.
  4. Approval process Draft minutes are circulated to the board, corrected, and approved at the next regular meeting. Approved minutes become the official record. Corrections after approval require a noted amendment, not silent edits.
  5. Permanent records Declaration, bylaws, articles of incorporation, rule books, amendments, and the minute book are permanent records. The association cannot dispose of them on any retention schedule.
  6. Resale disclosure Recent board and owner meeting minutes are typically required attachments to a resale certificate. The standard window is the last 12 months; some statutes extend to 24 months for amendments.
  7. Executive session Closed-session minutes record matters discussed but typically remain confidential from the general membership. Specific votes taken in closed session may need to be reported in the open-session minutes.
Related tools
Institutional Reference

Insurance & risk requirements in New Mexico

Statutory floors plus the Fannie Mae 1076 and Freddie Mac 1077 condo questionnaire fields lenders verify before closing. Generic reference. Specific declarations or bylaws may impose tighter requirements; statutes set the minimum.

Fannie Mae lender requirement
Hazard / property coverage
100% of replacement cost value, project improvements + common elements + residential structures
Fannie Mae B7-3-03
Comprehensive general liability
$1000000 minimum per single occurrence, bodily injury and property damage on common elements
Fannie Mae B7-4-01
  • Replacement cost basis — policy must pay to rebuild without depreciation deduction.
  • Agreed-amount endorsement — waives the coinsurance penalty when coverage is set to a stated replacement cost.
  • Inflation guard endorsement — annual escalation to keep coverage at current rebuild cost.
  • Building ordinance or law endorsement — covers the cost gap when current building codes require upgrades during a rebuild.
Fannie Mae lender requirement
Fidelity / crime bond minimum
3 months of aggregate assessments on all units
Fannie Mae B7-4-02

The fidelity / crime policy protects association funds from dishonest or fraudulent acts by anyone handling or responsible for those funds — directors, officers, employees, and the management agent. The HOA or co-op corporation must be the named insured, with premiums paid as a common expense.

  • Named covered parties — board, officers, employees, and the management company (when one is engaged).
  • Computation basis — months of assessments plus reserve balance, or a percentage of the operating budget, depending on the governing statute.
  • Annual renewal — coverage lapses are a common audit finding and trigger lender disqualification.
Fannie Mae lender requirement
Deductible cap
5% maximum of master policy coverage amount, aggregated across per-peril deductibles
Fannie Mae B7-3-03

Higher deductibles disqualify the project from conforming mortgage originations on every unit. State statutes sometimes codify a tighter cap or require board approval before deductible changes.

Flood insurance is required when any portion of the project sits inside a FEMA-designated Special Flood Hazard Area (SFHA). Coverage must equal the lesser of the building replacement cost or the National Flood Insurance Program (NFIP) maximum, with the balance covered by an excess flood policy.

Beyond the master property policy, lenders require several distinct coverages and endorsements. Each addresses a specific risk category the master policy alone does not handle.

  • Directors & officers (D&O) liability — defends board members against claims arising from governance decisions. Often required by lenders even when not codified by statute.
  • Umbrella / excess liability — extends primary liability limits, typically by $1M to $5M, to cover catastrophic claims.
  • Workers’ compensation — required when the association directly employs maintenance or management staff.
  • Earthquake / windstorm — peril-specific policies in seismic and coastal zones. Lender requirement depends on territory.
  • Environmental / pollution — applies when the association operates pools, fuel storage, or other regulated facilities.

Specific statutory provisions seeded for New Mexico:

  • Condominium association must maintain property insurance on common elements at not less than 80% of actual cash value and liability insurance — NMSA §47-7C-13
  • Insurance commences at first conveyance to a non-declarant purchaser — NMSA §47-7C-13
Statutory Obligations — New Mexico 71 obligations across 9 categories
NM
Under New Mexico community association law, this homeowners association is bound by the obligations below. Each item is pinned to the underlying statute. Click any citation to read the source.
Governance 23
Board governance, meetings, voting, quorum.
  • Originally enacted as Article 7E by Laws 2013, ch
    Originally enacted as Article 7E by Laws 2013, ch.
     NMSA §47-16-1
  • Applies to all HOAs created and existing in New Mexico
    Applies to all HOAs created and existing in New Mexico.
     NMSA §47-16-1
  • Establishes the Homeowner Association Act
    Establishes the Homeowner Association Act.
     NMSA §47-16-1
  • Does not apply to condominiums governed by the Condominium Act
    Does not apply to condominiums governed by the Condominium Act.
     NMSA §47-16-1
  • Does not apply to condominiums governed by the Condominium Act
    Does not apply to condominiums governed by the Condominium Act.
     NMSA §47-16-15
  • Act applies to all HOAs created and existing in New Mexico
    Act applies to all HOAs created and existing in New Mexico.
     NMSA §47-16-15
  • Board meeting notice: at least 48 hours in advance
    Board meeting notice: at least 48 hours in advance.
     NMSA §47-16-17
  • Annual and special meeting notice: delivered electronically, hand- delivered, or by mail not less than 10 and no more than 50 days before meeting
    Annual and special meeting notice: delivered electronically, hand- delivered, or by mail not less than 10 and no more than 50 days before meeting.
     NMSA §47-16-17
  • Draft policy resolutions included with board meeting notice
    Draft policy resolutions included with board meeting notice.
     NMSA §47-16-17
  • NM HOA Board Meeting Notice Period: 2 days
    At least forty-eight hours in advance
     NMSA §47-16-17
  • NM HOA Annual Meeting Notice Period: 10 days
    Not less than ten and no more than fifty days before the meeting
     NMSA §47-16-17
  • Budget adopted annually and distributed to lot owners within 30 calendar days
    Budget adopted annually and distributed to lot owners within 30 calendar days.
     NMSA §47-16-7
  • Board acts on behalf of the association
    Board acts on behalf of the association.
     NMSA §47-16-7
  • Governs transition from declarant control to owner control of the HOA board
    Governs transition from declarant control to owner control of the HOA board.
     NMSA §47-16-8
  • Amendments to pre-1982 condos must conform to the Condominium Act if granting new rights
    Amendments to pre-1982 condos must conform to the Condominium Act if granting new rights.
     NMSA §47-7A-2
  • Applies to all condominiums created in New Mexico after May 19, 1982
    Applies to all condominiums created in New Mexico after May 19, 1982.
     NMSA §47-7A-2
  • Pre-1982 condominiums governed by the Building Unit Ownership Act (47-7-1 et seq.) may opt in by majority unit owner vote
    Pre-1982 condominiums governed by the Building Unit Ownership Act (47-7-1 et seq.) may opt in by majority unit owner vote.
     NMSA §47-7A-2
  • Association may adopt and amend budgets for revenues, expenditures, and reserves; collect assessments; hire managing agents; make contracts; regulate common elements; commence litigation
    Association may adopt and amend budgets for revenues, expenditures, and reserves; collect assessments; hire managing agents; make contracts; regulate common elements; commence litigation.
     NMSA §47-7C-2
  • Board acts on behalf of the association
    Board acts on behalf of the association.
     NMSA §47-7C-3
  • Governs condominium board composition, terms, fiduciary duties, and removal procedures
    Governs condominium board composition, terms, fiduciary duties, and removal procedures.
     NMSA §47-7C-3
  • Board meetings are open to owners
    Board meetings are open to owners.
     NMSA §47-7C-8
  • Special meetings may be called by president, board, or 20% of unit owners
    Special meetings may be called by president, board, or 20% of unit owners.
     NMSA §47-7C-8
  • Requires annual meeting of the unit owners association
    Requires annual meeting of the unit owners association.
     NMSA §47-7C-8
Financial 7
Financial statements, audits, banking, fund segregation.
  • If pre-approval requirements make installation prohibitively difficult or costly, they are void
    If pre-approval requirements make installation prohibitively difficult or costly, they are void.
     NMSA §3-18-32
  • NM HOA Disclosure Certificate Update Fee Cap: $50.00
    For a fee not to exceed fifty dollars
     NMSA §47-16-12
  • NM HOA Disclosure Certificate Fee Cap: $300.00
    Reasonable fees not exceeding three hundred dollars
     NMSA §47-16-12
  • Association may charge reasonable fees not exceeding $300 for certificate preparation, collected at closing
    Association may charge reasonable fees not exceeding $300 for certificate preparation, collected at closing.
     NMSA §47-16-12
  • After 60 days, lot owner may request update; association must provide within 3 business days for fee not exceeding $50
    After 60 days, lot owner may request update; association must provide within 3 business days for fee not exceeding $50.
     NMSA §47-16-12
  • Sections 47-16-9 (proxy voting), 47-16-10 (financial audit), and 47-16-14 (attorney fees) do not apply to HOAs created before July 1, 2013 with fewer than 30 lots, though amendments to their community documents must comply
    Sections 47-16-9 (proxy voting), 47-16-10 (financial audit), and 47-16-14 (attorney fees) do not apply to HOAs created before July 1, 2013 with fewer than 30 lots, though amendments to their community documents must comply.
     NMSA §47-16-15
  • No charge for review; copies max $0.10/page
    No charge for review; copies max $0.10/page.
     NMSA §47-16-5
Assessment 6
Assessment levy, billing, collection, late fees.
  • Association has a lien on a lot for assessments and fines from the time due
    Association has a lien on a lot for assessments and fines from the time due.
     NMSA §47-16-6
  • Recording the declaration constitutes perfection
    Recording the declaration constitutes perfection.
     NMSA §47-16-6
  • Association must furnish statement of unpaid assessments within 10 business days
    Association must furnish statement of unpaid assessments within 10 business days.
     NMSA §47-16-6
  • NM Condo Assessment Lien Super-Priority Period: 6 months
    Six months assessments based on the periodic budget
     NMSA §47-7C-16
  • Association has a lien on a unit for assessments and fines from the time they become due
    Association has a lien on a unit for assessments and fines from the time they become due.
     NMSA §47-7C-16
  • Beyond six months, first mortgage takes priority if recorded before the assessment became delinquent
    Beyond six months, first mortgage takes priority if recorded before the assessment became delinquent.
     NMSA §47-7C-16
Reserves 1
Reserve studies, reserve funding, capital planning.
  • This is the statutory basis for reserve budgeting (permissive, not mandatory)
    This is the statutory basis for reserve budgeting (permissive, not mandatory).
     NMSA §47-7C-2
Insurance 2
Insurance coverage, policy disclosures, claims.
  • Insurance commences at first conveyance to a non-declarant purchaser
    Insurance commences at first conveyance to a non-declarant purchaser.
     NMSA §47-7C-13
  • Condominium association must maintain property insurance on common elements at not less than 80% of actual cash value and liability insurance
    Condominium association must maintain property insurance on common elements at not less than 80% of actual cash value and liability insurance.
     NMSA §47-7C-13
Disclosure 13
Owner disclosures, resale certificates, public records.
  • Purchaser may cancel within 7 days after receiving the disclosure certificate
    Purchaser may cancel within 7 days after receiving the disclosure certificate.
     NMSA §47-16-11
  • Seller must provide written disclosure that lot is subject to an HOA
    Seller must provide written disclosure that lot is subject to an HOA.
     NMSA §47-16-11
  • Seller or agent must obtain disclosure certificate from association and provide to purchaser no later than 7 days before closing
    Seller or agent must obtain disclosure certificate from association and provide to purchaser no later than 7 days before closing.
     NMSA §47-16-11
  • Association must furnish disclosure certificate within 10 business days of written request
    Association must furnish disclosure certificate within 10 business days of written request.
     NMSA §47-16-12
  • NM HOA Disclosure Certificate Delivery Deadline: 10 business_days
    Within ten business days of a written request
     NMSA §47-16-12
  • Certificate valid for 60 days
    Certificate valid for 60 days.
     NMSA §47-16-12
  • Declarant-appointed members owe fiduciary duty; elected members owe ordinary and reasonable care free from undisclosed conflict of interest
    Declarant-appointed members owe fiduciary duty; elected members owe ordinary and reasonable care free from undisclosed conflict of interest.
     NMSA §47-16-7
  • Board members must certify in writing within 90 days of election or appointment
    Board members must certify in writing within 90 days of election or appointment.
     NMSA §47-16-7
  • Specifies timeline and requirements for the transfer of board authority from the developer to elected homeowner representatives
    Specifies timeline and requirements for the transfer of board authority from the developer to elected homeowner representatives.
     NMSA §47-16-8
  • Purchaser not liable for unpaid assessments exceeding the certificate amount
    Purchaser not liable for unpaid assessments exceeding the certificate amount.
     NMSA §47-7D-9
  • Unit owner must furnish purchaser before conveyance: copy of declaration, bylaws, and rules; and a resale certificate containing right of first refusal, monthly assessments and unpaid amounts, other fees, capital expenditures anticipated for current and next two fiscal years, ...
    Unit owner must furnish purchaser before conveyance: copy of declaration, bylaws, and rules; and a resale certificate containing right of first refusal, monthly assessments and unpaid amounts, other fees, capital expenditures anticipated for current and next two fiscal years, and amount of reserves for capital expenditures.
     NMSA §47-7D-9
  • Association must furnish within 10 days of request
    Association must furnish within 10 days of request.
     NMSA §47-7D-9
  • NM Condo Resale Certificate Delivery Deadline: 10 days
    Within 10 days of the request
     NMSA §47-7D-9
Records 6
Records retention, owner access, official documents.
  • Financial audit required at least every 3 years by independent CPA in accordance with GAAP
    Financial audit required at least every 3 years by independent CPA in accordance with GAAP.
     NMSA §47-16-10
  • Audit, review, or compilation available to lot owners within 30 calendar days of completion
    Audit, review, or compilation available to lot owners within 30 calendar days of completion.
     NMSA §47-16-10
  • Does not apply to HOAs created before July 1, 2013 with fewer than 30 lots
    Does not apply to HOAs created before July 1, 2013 with fewer than 30 lots.
     NMSA §47-16-10
  • Records include minutes (5 years), operating budget, assessments, financial statements, contracts, and insurance policies
    Records include minutes (5 years), operating budget, assessments, financial statements, contracts, and insurance policies.
     NMSA §47-16-5
  • All financial and other records available for examination within 10 business days of written request
    All financial and other records available for examination within 10 business days of written request.
     NMSA §47-16-5
  • If association fails to provide access within 10 business days, rebuttable presumption of willful failure
    If association fails to provide access within 10 business days, rebuttable presumption of willful failure.
     NMSA §47-16-5
Enforcement 5
Rule enforcement, fines, hearings, due process.
  • Added by Laws 2019, ch
    Added by Laws 2019, ch.
     NMSA §47-16-18
  • Lot owner or association may use ADR (mediation, arbitration, facilitation, conciliation) for disputes
    Lot owner or association may use ADR (mediation, arbitration, facilitation, conciliation) for disputes.
     NMSA §47-16-18
  • Lien may be foreclosed like a mortgage
    Lien may be foreclosed like a mortgage.
     NMSA §47-16-6
  • Six-month super-lien: the association's lien has priority over first mortgages for six months of assessments based on the periodic budget
    Six-month super-lien: the association's lien has priority over first mortgages for six months of assessments based on the periodic budget.
     NMSA §47-7C-16
  • Recording the declaration perfects the lien
    Recording the declaration perfects the lien.
     NMSA §47-7C-16
Compliance 8
Statutory compliance, filings, registrations.
  • Any covenant, restriction, or condition in a deed, contract, or other instrument effective after July 1, 1978 that effectively prohibits the installation or use of a solar collector is void and unenforceable
    Any covenant, restriction, or condition in a deed, contract, or other instrument effective after July 1, 1978 that effectively prohibits the installation or use of a solar collector is void and unenforceable.
     NMSA §3-18-32
  • HOAs may regulate solar installations but cannot effectively prohibit them
    HOAs may regulate solar installations but cannot effectively prohibit them.
     NMSA §3-18-32
  • Does not apply to actions based on express contract, warranty, or guarantee with inconsistent terms
    Does not apply to actions based on express contract, warranty, or guarantee with inconsistent terms.
     NMSA §37-1-27
  • No action for property damage, personal injury, or wrongful death arising from defective or unsafe condition of a physical improvement to real property shall be brought after 10 years
    No action for property damage, personal injury, or wrongful death arising from defective or unsafe condition of a physical improvement to real property shall be brought after 10 years.
     NMSA §37-1-27
  • 10-year statute of repose from date of substantial completion
    10-year statute of repose from date of substantial completion.
     NMSA §37-1-27
  • Exceptions for immediate threats to life or safety, uninhabitable dwellings, and seller refusal to repair under warranty
    Exceptions for immediate threats to life or safety, uninhabitable dwellings, and seller refusal to repair under warranty.
     NMSA §42-14-3
  • Seller has 60 days to respond
    Seller has 60 days to respond.
     NMSA §42-14-3
  • Before filing a construction defect action, purchaser must give written notice to seller specifying defects
    Before filing a construction defect action, purchaser must give written notice to seller specifying defects.
     NMSA §42-14-3
None of these obligations are confirmed for Land Of Enchantment Manufactured Home Owners Alliance as a CommunityPay-managed community. Set up this community on CommunityPay to track obligation compliance from a live ledger with audit-grade enforcement.
Source: New Mexico legal corpus. Last verified April 15, 2026. CommunityPay maintains the corpus and re-verifies on a rolling cadence.
Risk Profile — CARI Score Preview 5 weighted components · Verified score requires consent
Preview
CARI — the Community Association Risk Index — is CommunityPay's deterministic risk score for community associations. Lenders, insurers, title companies, and buyers consume it through an authenticated API. The score is computed from five weighted components and is consent-gated: the association controls whether subscribers can see it.
Financial Health 30% weight
Reserve adequacy, delinquency rate, operating ratio, fund segregation. Measured against state statutory thresholds.
Governance 25% weight
Board attestation currency, meeting compliance, policy violations, governance risk coefficient.
Vendor Risk 15% weight
Vendor compliance signals — license, insurance, bond status, payment velocity, dispute rate.
Enforcement Integrity 15% weight
Block rate, override rate, SLA breaches in the enforcement decision ledger. The audit-trail layer.
Payment Behavior 15% weight
Prevented loss, dispute rate, collection efficiency, payment-method risk.
No verified CARI score is published for New Mexico community Land Of Enchantment Manufactured Home Owners Alliance. Set up this community on CommunityPay to publish a verified CARI score that lenders, insurers, title companies, and buyers can consume through an authenticated API.
Compliance Calendar — Next 12 Months 1 deadline
Federal Form 1120-H or 1120 — annual return Apr 15, 2027 · 306 days
High IRC §528
Failure to file timely incurs IRS penalties and interest.
Source: New Mexico statute and federal tax law. Dates are conservative estimates based on common fiscal-year alignment; actual deadlines depend on the association's bylaws and fiscal year.
Records This Community Should Have — New Mexico 2 record categories required by statute
Under New Mexico community association law, the records below must be created and retained. Failure to produce these on owner request, audit, or litigation creates liability and erodes the board's defensibility. None are confirmed for this community as a CommunityPay-managed association.
Financial 2
  • Tax returns
    Federal and state association tax returns.
    Retention: 7 years
    IRC §6501 + state retention norms
  • Tax returns
    Federal association tax returns.
    Retention: 7 years
    IRC §6501
Set up this community on CommunityPay to create, store, and produce these records on demand from a live ledger.
Registration Details Homeowners Association · Est. 2025 · Active
Type Homeowners Association
Governing Statute N.M. Stat. §47-16-1 et seq. (Homeowner Association Act)
State New Mexico
City Albuquerque
ZIP 87199
County Bernalillo
Registration IRS-334939547
Formed July 1, 2025
Status Active
Area HOA Fees Bernalillo County median $251/mo
Median Monthly Fee $251
Average Monthly Fee $259
Typical Range $158 – $319
Units Paying Fees 4,151
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). Bernalillo County, NM.
Natural Hazard Exposure Bernalillo County
Relatively High
Winter Weather Very High
Earthquake Relatively Moderate
Lightning Very High
Inland Flooding Relatively High
Heat Wave Relatively Moderate
Social Vulnerability Relatively Moderate
Community Resilience Relatively Moderate
Expected Annual Loss $153,901,723
Source: FEMA National Risk Index v1.20, Bernalillo County, NM
Applicable Laws 21 New Mexico statutes
Limitation on Restrictions on Solar Collectors Any covenant, restriction, or condition in a deed, contract, or other instrument effective after July 1, 1978 that effectively prohibits the installation or use of a solar collector is void and unenforceable. HOAs may regulate solar installations but cannot effectively prohibit them. If pre-approval requirements make installation prohibitively difficult or costly, they are void.
Statute of Repose — Construction Projects 10-year statute of repose from date of substantial completion. No action for property damage, personal injury, or wrongful death arising from defective or unsafe condition of a physical improvement to real property shall be brought after 10 years. Does not apply to actions based on express contract, warranty, or guarantee with inconsistent terms.
Right to Repair Act — Notice and Right to Repair Before filing a construction defect action, purchaser must give written notice to seller specifying defects. Seller has 60 days to respond. Exceptions for immediate threats to life or safety, uninhabitable dwellings, and seller refusal to repair under warranty.
Homeowner Association Act — Short Title Establishes the Homeowner Association Act. Applies to all HOAs created and existing in New Mexico. Does not apply to condominiums governed by the Condominium Act. Originally enacted as Article 7E by Laws 2013, ch. 122, effective July 1, 2013, then recompiled to Article 16. Significantly amended by Laws 2019, ch. 30.
Homeowner Association Act — Financial Audit Financial audit required at least every 3 years by independent CPA in accordance with GAAP. Audit, review, or compilation available to lot owners within 30 calendar days of completion. Does not apply to HOAs created before July 1, 2013 with fewer than 30 lots.
Homeowner Association Act — Contract Disclosure; Right of Cancellation Seller must provide written disclosure that lot is subject to an HOA. Seller or agent must obtain disclosure certificate from association and provide to purchaser no later than 7 days before closing. Purchaser may cancel within 7 days after receiving the disclosure certificate.
Homeowner Association Act — Sale of Lots; Disclosure Certificate Association must furnish disclosure certificate within 10 business days of written request. Certificate valid for 60 days. After 60 days, lot owner may request update; association must provide within 3 business days for fee not exceeding $50. Association may charge reasonable fees not exceeding $300 for certificate preparation, collected at closing.
Homeowner Association Act — Applicability Act applies to all HOAs created and existing in New Mexico. Sections 47-16-9 (proxy voting), 47-16-10 (financial audit), and 47-16-14 (attorney fees) do not apply to HOAs created before July 1, 2013 with fewer than 30 lots, though amendments to their community documents must comply. Does not apply to condominiums governed by the Condominium Act.
Homeowner Association Act — Meetings Annual and special meeting notice: delivered electronically, hand- delivered, or by mail not less than 10 and no more than 50 days before meeting. Board meeting notice: at least 48 hours in advance. Draft policy resolutions included with board meeting notice.
Homeowner Association Act — Enforcement; Dispute Resolution Lot owner or association may use ADR (mediation, arbitration, facilitation, conciliation) for disputes. Added by Laws 2019, ch. 30.
Homeowner Association Act — Record Disclosure to Members All financial and other records available for examination within 10 business days of written request. No charge for review; copies max $0.10/page. Records include minutes (5 years), operating budget, assessments, financial statements, contracts, and insurance policies. If association fails to provide access within 10 business days, rebuttable presumption of willful failure. Lot owner entitled to greater of actual damages or …
Homeowner Association Act — Duties; Assessment Lien Association has a lien on a lot for assessments and fines from the time due. Lien may be foreclosed like a mortgage. Recording the declaration constitutes perfection. Association must furnish statement of unpaid assessments within 10 business days. Unlike the Condominium Act, the HOA Act does NOT include a six-month super-lien priority over first mortgages — lien priority governed by …
Homeowner Association Act — Board Members; Duties; Budget Board acts on behalf of the association. Declarant-appointed members owe fiduciary duty; elected members owe ordinary and reasonable care free from undisclosed conflict of interest. Board members must certify in writing within 90 days of election or appointment. Budget adopted annually and distributed to lot owners within 30 calendar days. Management contracts must disclose vendor conflicts of interest.
Homeowner Association Act — Declarant Control of Board Governs transition from declarant control to owner control of the HOA board. Specifies timeline and requirements for the transfer of board authority from the developer to elected homeowner representatives.
Condominium Act — Applicability Applies to all condominiums created in New Mexico after May 19, 1982. Pre-1982 condominiums governed by the Building Unit Ownership Act (47-7-1 et seq.) may opt in by majority unit owner vote. Amendments to pre-1982 condos must conform to the Condominium Act if granting new rights.
Condominium Act — Insurance Condominium association must maintain property insurance on common elements at not less than 80% of actual cash value and liability insurance. Insurance commences at first conveyance to a non-declarant purchaser.
Condominium Act — Lien for Assessments Association has a lien on a unit for assessments and fines from the time they become due. Recording the declaration perfects the lien. Six-month super-lien: the association's lien has priority over first mortgages for six months of assessments based on the periodic budget. Beyond six months, first mortgage takes priority if recorded before the assessment became delinquent. Lien may be …
Condominium Act — Powers of Unit Owners' Association Association may adopt and amend budgets for revenues, expenditures, and reserves; collect assessments; hire managing agents; make contracts; regulate common elements; commence litigation. This is the statutory basis for reserve budgeting (permissive, not mandatory).
Condominium Act — Executive Board Members and Officers Governs condominium board composition, terms, fiduciary duties, and removal procedures. Board acts on behalf of the association.
Condominium Act — Meetings Requires annual meeting of the unit owners association. Special meetings may be called by president, board, or 20% of unit owners. Board meetings are open to owners.
Condominium Act — Resales of Units Unit owner must furnish purchaser before conveyance: copy of declaration, bylaws, and rules; and a resale certificate containing right of first refusal, monthly assessments and unpaid amounts, other fees, capital expenditures anticipated for current and next two fiscal years, and amount of reserves for capital expenditures. Association must furnish within 10 days of request. Purchaser not liable for unpaid assessments …
Source: New Mexico state legislature. Statutes verified by CommunityPay. Last verified April 2026.
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Community data is sourced from New Mexico Secretary of State public registrations. Natural hazard data is from the FEMA National Risk Index (county-level, v1.20). CommunityPay does not claim a relationship with Land Of Enchantment Manufactured Home Owners Alliance unless explicitly stated.
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