Cincinnati Psychoanalytic Foundation INC

Cincinnati, Ohio
Public record Verified Geography Verified Statute coverage Profile available Contacts Unclaimed

Registered as a homeowners association in Ohio, in 2005.

Community Profile
Legal Compliance Dashboard — Live Preview Ohio vs. Washington · 1 requirement tracked
1/1
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 Ohio alongside Washington.
Requirement OH WA
Judicial foreclosure required Yes No
Open the full dashboard for Ohio → all states, every threshold, statute changes tracked daily
Estoppel Disclosure Workflow 13 standard items
OH
CommunityPay has not verified a state-specific statutory resale certificate regime in Ohio. 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. Ohio 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.
None of these items are confirmed for Cincinnati Psychoanalytic Foundation INC. Set up this community on CommunityPay to track compliance and generate resale certificates from live ledger data.
Institutional Reference

Reserve study standards in Ohio

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.

Ohio 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 Ohio

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.

Ohio 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 Ohio

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 Ohio:

  • Board must maintain liability insurance, fire and extended coverage at minimum 90% of replacement cost, and fidelity/crime insurance for anyone with fund access in an amount equal to maximum funds in custody plus three months of operating expenses — O.R.C. §5311.16
Statutory Obligations — Ohio 49 obligations across 9 categories
OH
Under Ohio 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 21
Board governance, meetings, voting, quorum.
  • Applies only to property submitted to the act by execution and filing of a declaration
    Applies only to property submitted to the act by execution and filing of a declaration.
     O.R.C. §5311.02
  • Creating a condominium does not constitute a subdivision
    Creating a condominium does not constitute a subdivision.
     O.R.C. §5311.02
  • Required officers: president, secretary, treasurer
    Required officers: president, secretary, treasurer.
     O.R.C. §5311.08
  • Board may meet electronically or act by unanimous written consent
    Board may meet electronically or act by unanimous written consent.
     O.R.C. §5311.08
  • Not less than one-fifth of directors expire annually
    Not less than one-fifth of directors expire annually.
     O.R.C. §5311.08
  • All power exercised by a board of directors elected from unit owners or their spouses
    All power exercised by a board of directors elected from unit owners or their spouses.
     O.R.C. §5311.08
  • Board must adopt an annual budget including reserves adequate to repair and replace major capital items without special assessments, unless owners waive the reserve requirement annually by majority vote
    Board must adopt an annual budget including reserves adequate to repair and replace major capital items without special assessments, unless owners waive the reserve requirement annually by majority vote.
     O.R.C. §5311.081
  • Explicitly excludes condominiums from the definition of planned community
    Explicitly excludes condominiums from the definition of planned community.
     O.R.C. §5312.01
  • Defines key terms including planned community (where deeds/declarations require owners to join an association), common element, common expense, declaration, assessment, lot, and dwelling unit
    Defines key terms including planned community (where deeds/declarations require owners to join an association), common element, common expense, declaration, assessment, lot, and dwelling unit.
     O.R.C. §5312.01
  • Bylaws must address election procedures, board size, powers, manager hiring, amendment procedures, meeting logistics, and assessment collection
    Bylaws must address election procedures, board size, powers, manager hiring, amendment procedures, meeting logistics, and assessment collection.
     O.R.C. §5312.02
  • Applies to any planned community in Ohio
    Applies to any planned community in Ohio.
     O.R.C. §5312.02
  • Requires filing and recording a declaration and bylaws with the county recorder
    Requires filing and recording a declaration and bylaws with the county recorder.
     O.R.C. §5312.02
  • Board of directors is elected from owners and their spouses
    Board of directors is elected from owners and their spouses.
     O.R.C. §5312.03
  • Declarant must establish the association before the first lot conveyance
    Declarant must establish the association before the first lot conveyance.
     O.R.C. §5312.03
  • Board majority cannot consist of owners from the same lot
    Board majority cannot consist of owners from the same lot.
     O.R.C. §5312.03
  • Meeting notice days, quorum, and proxy voting are delegated to the bylaws
    Meeting notice days, quorum, and proxy voting are delegated to the bylaws.
     O.R.C. §5312.04
  • Board must call at least one annual meeting of owners (except during declarant control)
    Board must call at least one annual meeting of owners (except during declarant control).
     O.R.C. §5312.04
  • Board meetings may be held electronically
    Board meetings may be held electronically.
     O.R.C. §5312.04
  • Special meetings may be called by the president, board majority, or owners representing 50% of voting power
    Special meetings may be called by the president, board majority, or owners representing 50% of voting power.
     O.R.C. §5312.04
  • Removal of discriminatory provisions requires only simple majority board vote
    Removal of discriminatory provisions requires only simple majority board vote.
     O.R.C. §5312.05
  • Enumerates 18 broad powers including budget adoption, hiring/firing, legal action, contracts, enforcement, rules adoption, property transactions, fee levying, borrowing, member discipline, insurance, and investments
    Enumerates 18 broad powers including budget adoption, hiring/firing, legal action, contracts, enforcement, rules adoption, property transactions, fee levying, borrowing, member discipline, insurance, and investments.
     O.R.C. §5312.06
Financial 3
Financial statements, audits, banking, fund segregation.
  • Property must be fee simple or 99-year renewable leasehold
    Property must be fee simple or 99-year renewable leasehold.
     O.R.C. §5311.02
  • Budget must include reserves adequate to repair and replace major capital items unless owners waive annually by majority vote
    Budget must include reserves adequate to repair and replace major capital items unless owners waive annually by majority vote.
     O.R.C. §5312.06
  • Association or any owner may commence civil action for damages, injunctive relief, or both, and recover court costs and reasonable attorney fees
    Association or any owner may commence civil action for damages, injunctive relief, or both, and recover court costs and reasonable attorney fees.
     O.R.C. §5312.13
Assessment 6
Assessment levy, billing, collection, late fees.
  • Each lot's liability is determined by the declaration's allocation formula; if none, expenses are divided equally among all lots
    Each lot's liability is determined by the declaration's allocation formula; if none, expenses are divided equally among all lots.
     O.R.C. §5312.10
  • Board may impose interest on overdue assessments
    Board may impose interest on overdue assessments.
     O.R.C. §5312.10
  • Board must assess common expenses annually based on an adopted budget
    Board must assess common expenses annually based on an adopted budget.
     O.R.C. §5312.10
  • No super-priority over first mortgages
    No super-priority over first mortgages.
     O.R.C. §5312.12
  • Association may place a lien for unpaid assessments that remain due more than 10 days after becoming payable
    Association may place a lien for unpaid assessments that remain due more than 10 days after becoming payable.
     O.R.C. §5312.12
  • OH Judicial Foreclosure Required
    May be foreclosed in the same manner as a mortgage on real property
     O.R.C. §5312.12
Reserves 1
Reserve studies, reserve funding, capital planning.
  • Developer must provide written disclosure containing 15 categories including project description, financing, warranties, two-year budget projection, reserve fund information, and pending litigation
    Developer must provide written disclosure containing 15 categories including project description, financing, warranties, two-year budget projection, reserve fund information, and pending litigation.
     O.R.C. §5311.26
Insurance 1
Insurance coverage, policy disclosures, claims.
  • Board must maintain liability insurance, fire and extended coverage at minimum 90% of replacement cost, and fidelity/crime insurance for anyone with fund access in an amount equal to maximum funds in custody plus three months of operating expenses
    Board must maintain liability insurance, fire and extended coverage at minimum 90% of replacement cost, and fidelity/crime insurance for anyone with fund access in an amount equal to maximum funds in custody plus three months of operating expenses.
     O.R.C. §5311.16
Disclosure 2
Owner disclosures, resale certificates, public records.
  • Applies only to developer sales, not existing owner resales
    Applies only to developer sales, not existing owner resales.
     O.R.C. §5311.26
  • Declarant control ends when all lots transfer to owners
    Declarant control ends when all lots transfer to owners.
     O.R.C. §5312.03
Records 2
Records retention, owner access, official documents.
  • Records older than five years require board approval
    Records older than five years require board approval.
     O.R.C. §5312.07
  • Owners may examine and copy books, records, and minutes under reasonable standards
    Owners may examine and copy books, records, and minutes under reasonable standards.
     O.R.C. §5312.07
Enforcement 9
Rule enforcement, fines, hearings, due process.
  • Enumerates 21 powers including assessment collection, enforcement, hiring, and insurance
    Enumerates 21 powers including assessment collection, enforcement, hiring, and insurance.
     O.R.C. §5311.081
  • Lien subordinate to real estate tax liens and previously recorded first mortgages
    Lien subordinate to real estate tax liens and previously recorded first mortgages.
     O.R.C. §5311.18
  • Association has lien on units for unpaid common expenses
    Association has lien on units for unpaid common expenses.
     O.R.C. §5311.18
  • No super-priority over first mortgages
    No super-priority over first mortgages.
     O.R.C. §5311.18
  • Judicial foreclosure only
    Judicial foreclosure only.
     O.R.C. §5311.18
  • Certain categories restricted: personnel information, attorney-client communications, litigation work product, confidential contract details
    Certain categories restricted: personnel information, attorney-client communications, litigation work product, confidential contract details.
     O.R.C. §5312.07
  • Judicial foreclosure only
    Judicial foreclosure only.
     O.R.C. §5312.12
  • Lien is prior to subsequently arising encumbrances except tax liens and previously recorded first mortgages
    Lien is prior to subsequently arising encumbrances except tax liens and previously recorded first mortgages.
     O.R.C. §5312.12
  • Association and individual owners must comply with all recorded covenants, conditions, restrictions, bylaws, and rules
    Association and individual owners must comply with all recorded covenants, conditions, restrictions, bylaws, and rules.
     O.R.C. §5312.13
Compliance 4
Statutory compliance, filings, registrations.
  • Declaration or bylaw amendments require consent of 75% of owners
    Declaration or bylaw amendments require consent of 75% of owners.
     O.R.C. §5312.05
  • Termination of the declaration requires unanimous consent
    Termination of the declaration requires unanimous consent.
     O.R.C. §5312.05
  • Addresses owner rights to install solar energy collection devices in planned communities, balancing owner installation rights with association architectural standards
    Addresses owner rights to install solar energy collection devices in planned communities, balancing owner installation rights with association architectural standards.
     O.R.C. §5312.16
  • Enacted by SB 61 (2022)
    Enacted by SB 61 (2022).
     O.R.C. §5312.16
None of these obligations are confirmed for Cincinnati Psychoanalytic Foundation INC as a CommunityPay-managed community. Set up this community on CommunityPay to track obligation compliance from a live ledger with audit-grade enforcement.
Source: Ohio 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 Ohio community Cincinnati Psychoanalytic Foundation INC. 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: Ohio 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 — Ohio 2 record categories required by statute
Under Ohio 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. 2005 · Active
Type Homeowners Association
Governing Statute ORC Ch. 5312 (Planned Community Law)
State Ohio
City Cincinnati
ZIP 45219
County Hamilton
Registration IRS-311788735
Formed Oct. 1, 2005
Status Active
Area HOA Fees Hamilton County median $300/mo
Median Monthly Fee $300
Average Monthly Fee $409
Typical Range $251 – $406
Units Paying Fees 17,278
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). Hamilton County, OH.
Natural Hazard Exposure Hamilton County
Relatively High
Tornado Very High
Heat Wave Relatively High
Cold Wave Relatively High
Strong Wind Relatively High
Inland Flooding Relatively High
Social Vulnerability Relatively Moderate
Community Resilience Very High
Expected Annual Loss $221,186,719
Source: FEMA National Risk Index v1.20, Hamilton County, OH
Building Activity in Cincinnati · 8,771 permits (last 12 months)
Permits in Cincinnati (last 12 months) 8,771
Permits in Cincinnati (all time) 158,871
Total Project Value $706,228,134
Avg Project Value $84,730
Top Project Types
Remodel 2,175
Repair 355
New Construction 111
Top Permit Categories
Plumbing 2,634
Mechanical 2,590
Residential 2,012
Recent Permits
2271 SCHOEDINGER AV
· May 2026 · Wrecking
1624 MUSKETEER DR $86,482
· May 2026 · Elevator Permit
1776 CENTRAL AV
· May 2026 · Wrecking
2125 RIVERSIDE DR $526,000
New Construction · May 2026 · New Building
803 RIDGEWAY AV $1,250
Plumbing · May 2026 · Plumbing Permits
Source: Municipal open data portals (Socrata), Cincinnati, OH
Applicable Laws 17 Ohio statutes
Ohio Condominium Act — Applicability Applies only to property submitted to the act by execution and filing of a declaration. Property must be fee simple or 99-year renewable leasehold. Creating a condominium does not constitute a subdivision.
Ohio Condominium Act — Unit Owners Association All power exercised by a board of directors elected from unit owners or their spouses. Required officers: president, secretary, treasurer. Not less than one-fifth of directors expire annually. Board may meet electronically or act by unanimous written consent.
Ohio Condominium Act — Powers and Duties of Board Board must adopt an annual budget including reserves adequate to repair and replace major capital items without special assessments, unless owners waive the reserve requirement annually by majority vote. Enumerates 21 powers including assessment collection, enforcement, hiring, and insurance.
Ohio Condominium Act — Insurance Board must maintain liability insurance, fire and extended coverage at minimum 90% of replacement cost, and fidelity/crime insurance for anyone with fund access in an amount equal to maximum funds in custody plus three months of operating expenses.
Ohio Condominium Act — Lien for Common Expenses Association has lien on units for unpaid common expenses. No super-priority over first mortgages. Lien subordinate to real estate tax liens and previously recorded first mortgages. Judicial foreclosure only. Lien duration is 5 years from filing.
Ohio Condominium Act — Developer Disclosure Statement Applies only to developer sales, not existing owner resales. Developer must provide written disclosure containing 15 categories including project description, financing, warranties, two-year budget projection, reserve fund information, and pending litigation.
Ohio Planned Community Law — Definitions Defines key terms including planned community (where deeds/declarations require owners to join an association), common element, common expense, declaration, assessment, lot, and dwelling unit. Explicitly excludes condominiums from the definition of planned community.
Ohio Planned Community Law — Applicability Applies to any planned community in Ohio. Requires filing and recording a declaration and bylaws with the county recorder. Bylaws must address election procedures, board size, powers, manager hiring, amendment procedures, meeting logistics, and assessment collection.
Ohio Planned Community Law — Administration; Board of Directors Board of directors is elected from owners and their spouses. Board majority cannot consist of owners from the same lot. Declarant must establish the association before the first lot conveyance. Declarant control ends when all lots transfer to owners.
Ohio Planned Community Law — Election of Officers; Meetings Board must call at least one annual meeting of owners (except during declarant control). Special meetings may be called by the president, board majority, or owners representing 50% of voting power. Board meetings may be held electronically. Meeting notice days, quorum, and proxy voting are delegated to the bylaws.
Ohio Planned Community Law — Amendments to Declaration or Bylaws Declaration or bylaw amendments require consent of 75% of owners. Termination of the declaration requires unanimous consent. Removal of discriminatory provisions requires only simple majority board vote.
Ohio Planned Community Law — Powers and Duties of Association Enumerates 18 broad powers including budget adoption, hiring/firing, legal action, contracts, enforcement, rules adoption, property transactions, fee levying, borrowing, member discipline, insurance, and investments. Budget must include reserves adequate to repair and replace major capital items unless owners waive annually by majority vote.
Ohio Planned Community Law — Examination of Books and Records Owners may examine and copy books, records, and minutes under reasonable standards. Records older than five years require board approval. Certain categories restricted: personnel information, attorney-client communications, litigation work product, confidential contract details.
Ohio Planned Community Law — Common Expense Liability Each lot's liability is determined by the declaration's allocation formula; if none, expenses are divided equally among all lots. Board must assess common expenses annually based on an adopted budget. Board may impose interest on overdue assessments.
Ohio Planned Community Law — Liens Association may place a lien for unpaid assessments that remain due more than 10 days after becoming payable. No super-priority over first mortgages. Lien is prior to subsequently arising encumbrances except tax liens and previously recorded first mortgages. Judicial foreclosure only. Lien duration is 5 years from date of filing.
Ohio Planned Community Law — Compliance; Action for Damages Association and individual owners must comply with all recorded covenants, conditions, restrictions, bylaws, and rules. Association or any owner may commence civil action for damages, injunctive relief, or both, and recover court costs and reasonable attorney fees.
Ohio Planned Community Law — Solar Energy Devices Enacted by SB 61 (2022). Addresses owner rights to install solar energy collection devices in planned communities, balancing owner installation rights with association architectural standards.
Source: Ohio state legislature. Statutes verified by CommunityPay. Last verified April 2026.
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Community data is sourced from Ohio Secretary of State public registrations. Natural hazard data is from the FEMA National Risk Index (county-level, v1.20). Building activity data is from municipal open data portals (city-level). CommunityPay does not claim a relationship with Cincinnati Psychoanalytic Foundation INC unless explicitly stated.
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