Oklahoma HOA & Condominium Law
9 active Oklahoma statutes govern homeowners associations and condominiums in the state. The corpus encodes 35 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Estoppel Disclosure Workflow
13 standard items
OK
CommunityPay has not verified a state-specific statutory resale certificate regime in Oklahoma. 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 60 O.S. §857, Oklahoma caps the preparation fee at $25 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.
What Oklahoma Law Requires
Governance (11)
- Majority of total directors constitutes a quorum (cannot be less than one-third). 18 O.S. §1027
- Oklahoma HOAs formed as corporations are subject to the general corporate fiduciary standard. 18 O.S. §1027
- Directors are fully protected in relying in good faith upon corporation records and on information or reports from officers, employees, committees, or experts selected with reasonable care. 18 O.S. §1027
- Oklahoma's condominium act, covering approximately 30 sections. 60 O.S. §501
- Each unit is an independent estate in real property. 60 O.S. §501
- Separate from the Real Estate Development Act (§851-858) that governs HOAs. 60 O.S. §501
- Does not prescribe specific meeting notice periods — these are set by bylaws. 60 O.S. §520
- Amendment requires 75% of unit owners by percentage of common element interest. 60 O.S. §520
- Bylaws must provide for form of administration, meeting procedures (including that a majority is required for decisions), common element maintenance, expense collection methods, personnel, use restrictions, and amendment procedures. 60 O.S. §520
- Applies regardless of whether notice provisions are included in the construction contract. 15 O.S. §765.6
- Core HOA statute in Oklahoma. 60 O.S. §852
Financial (2)
- No more than twenty-five dollars 60 O.S. §857
- Buyer may be charged no more than $25. 60 O.S. §857
Assessment (3)
- Unpaid amounts become common expenses of all remaining owners. 60 O.S. §524
- Condominium assessment lien with priority over all liens except past-due tax assessments, prior judgments, prior-recorded mortgages, and certain mechanic's liens. 60 O.S. §524
- Foreclosed by suit in like manner as an action for foreclosure of a mortgage upon real property 60 O.S. §524 (b)
Disclosure (7)
- This is Oklahoma's closest analog to a condo resale certificate — limited to unpaid assessments. 60 O.S. §525
- Grantee of a condominium unit is jointly and severally liable with the grantor for all unpaid assessments up to conveyance. 60 O.S. §525
- Grantee is entitled to a statement from the manager or board setting forth unpaid assessments. 60 O.S. §525
- Grantee is not liable for amounts beyond the statement. 60 O.S. §525
- Copy must be provided prior to or at closing by mail, hand delivery, or electronic delivery. 60 O.S. §857
- This is a document delivery requirement, not a financial disclosure or assessment status certificate. 60 O.S. §857
- Title company closing a sale must provide the buyer with a copy of all recorded covenants and restrictions. 60 O.S. §857
Enforcement (6)
- Addresses creation, declarations, bylaws, common elements, assessments, liens, insurance, damage/destruction, and obsolescence. 60 O.S. §501
- Foreclosed by judicial action only (like a mortgage on real property). 60 O.S. §524
- First mortgage foreclosure purchaser is not liable for assessments that became due before acquisition. 60 O.S. §524
- Lien may be foreclosed judicially or nonjudicially (with or without power of sale). 60 O.S. §852
- Grants assessment authority with lien and foreclosure powers. 60 O.S. §852
- Owners associations may be formed for management of common areas and enforcement of restrictions. 60 O.S. §852
Compliance (6)
- Covers deficiencies in design, planning, supervision, observation of construction, or construction of an improvement to real property. 12 O.S. §109
- Discovery rule does not apply. 12 O.S. §109
- No tort action for construction deficiency may be brought more than 10 years after substantial completion. 12 O.S. §109
- Contractor gets 30 days after receipt of written notice of defects to inspect and present a written offer to repair or compensate. 15 O.S. §765.6
- If suit filed without fulfilling conditions, contractor is entitled to a stay. 15 O.S. §765.6
- Homeowner cannot file a lawsuit until conditions precedent are met. 15 O.S. §765.6
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Assessment Collection
5
Governance Documents
3
Construction Defect
2
Foreclosure and Liens
2
Resale Disclosure
2
Enforcement and Fines
1
Fiduciary Duty
1
Meetings and Notice
1
Each chip links to the Oklahoma statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
General Corporation Act — Director Standards and Reliance
Oklahoma HOAs formed as corporations are subject to the general corporate fiduciary standard. Directors are fully protected in relying in good faith upon corporation records and on information or reports from officers, employees, committees, or experts selected with reasonable care. Majority of total directors constitutes a quorum (cannot be less than one-third).
Statute of Repose — Construction Deficiency
No tort action for construction deficiency may be brought more than 10 years after substantial completion. Covers deficiencies in design, planning, supervision, observation of construction, or construction of an improvement to real property. Discovery rule does not apply.
Unit Ownership Estate Act — Short Title
Oklahoma's condominium act, covering approximately 30 sections. Each unit is an independent estate in real property. Addresses creation, declarations, bylaws, common elements, assessments, liens, insurance, damage/destruction, and obsolescence. Separate from the Real Estate Development Act (§851-858) that governs HOAs.
Unit Ownership Estate Act — Bylaw Requirements
Bylaws must provide for form of administration, meeting procedures (including that a majority is required for decisions), common element maintenance, expense collection methods, personnel, use restrictions, and amendment procedures. Amendment requires 75% of unit owners by percentage of common element interest. Does not prescribe specific meeting notice periods — these are set by bylaws.
Unit Ownership Estate Act — Liens for Unpaid Common Expenses
Condominium assessment lien with priority over all liens except past-due tax assessments, prior judgments, prior-recorded mortgages, and certain mechanic's liens. Foreclosed by judicial action only (like a mortgage on real property). First mortgage foreclosure purchaser is not liable for assessments that became due before acquisition. Unpaid amounts become common expenses of all remaining owners.
Unit Ownership Estate Act — Grantee Liability and Assessment Statement
Grantee of a condominium unit is jointly and severally liable with the grantor for all unpaid assessments up to conveyance. Grantee is entitled to a statement from the manager or board setting forth unpaid assessments. Grantee is not liable for amounts beyond the statement. This is Oklahoma's closest analog to a condo resale certificate — limited to unpaid assessments.
Construction Contracts — Notice and Offer to Repair
Contractor gets 30 days after receipt of written notice of defects to inspect and present a written offer to repair or compensate. Homeowner cannot file a lawsuit until conditions precedent are met. If suit filed without fulfilling conditions, contractor is entitled to a stay. Applies regardless of whether notice provisions are included in the construction contract.
Real Estate Development Act — Owners Association
Core HOA statute in Oklahoma. Owners associations may be formed for management of common areas and enforcement of restrictions. Grants assessment authority with lien and foreclosure powers. Lien may be foreclosed judicially or nonjudicially (with or without power of sale). Written notice to homeowner upon joining is a prerequisite to placing a lien. Prevailing party entitled to attorney fees.
Copies of Recorded Covenants and Restrictions
Title company closing a sale must provide the buyer with a copy of all recorded covenants and restrictions. Buyer may be charged no more than $25. Copy must be provided prior to or at closing by mail, hand delivery, or electronic delivery. This is a document delivery requirement, not a financial disclosure or assessment status certificate.
Source: Oklahoma state legislature. Statutes verified by CommunityPay. Last verified April 2026.
Pending & Recent Oklahoma HOA Legislation
Oklahoma Real Estate License Code; prohibiting certain practices without disclosure. Effective date.
Last action: May 22, 2025
Last action: Apr 1, 2026
Last action: May 29, 2025
11 HOA-relevant bills tracked for Oklahoma · refreshed May 2, 2026 · Source: LegiScan
Frequently Asked Questions — Oklahoma HOA Law
How much can a Oklahoma HOA charge for a resale certificate?
Under 60 O.S. §857, a Oklahoma homeowners association may charge no more than $25 for preparing a resale certificate (the disclosure packet required when a unit is sold). Charges in excess of the statutory cap are not collectible from the seller or buyer.
Source: 60 O.S. §857
Answers derived from the Oklahoma legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.
Oklahoma HOA Fee Benchmark
$293
Avg Median Monthly Fee
$79 – $791
County Range
10753
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 45 counties with data.
Communities by City
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Download the Oklahoma HOA & Condo Compliance Checklist
One PDF — every active Oklahoma 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 Oklahoma 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