Oregon HOA & Condominium Law
35 active Oregon statutes govern homeowners associations and condominiums in the state. The corpus encodes 17 specific requirements across governance, finance, reserves, disclosure, and enforcement. 10 changes recorded in the last twelve months.
Resale Certificate Compliance
11 disclosures required
OR
-
Written statement of unpaid regular and special assessments, fines, interest, and late charges ORS 94.670(8)(a)
The association shall provide, within 10 business days of receipt of a written request from an owner, a written statement that provides the amount of assessments due from the owner and unpaid at the time the request was received, including regular and special assessments, fines and other charges, accrued interest and late payment charges; the percentage rate at which interest accrues on assessments that are not paid when due; and the percentage rate used to calculate the charges for late payment or the amount of a fixed charge for late payment. ORS 94.670(8)(a) · verified May 2026
-
Approved special assessments included in the assessment statement ORS 94.670(8)(a)
The association shall provide, within 10 business days of receipt of a written request from an owner, a written statement that provides the amount of assessments due from the owner and unpaid at the time the request was received, including regular and special assessments, fines and other charges, accrued interest and late payment charges; the percentage rate at which interest accrues on assessments that are not paid when due; and the percentage rate used to calculate the charges for late payment or the amount of a fixed charge for late payment. ORS 94.670(8)(a) · verified May 2026
-
Current operating budget of the association ORS 94.670(10)(c)
The association shall maintain a copy, suitable for the purpose of duplication, of the current operating budget of the association. ORS 94.670(10)(c) · verified May 2026
-
Reserve study (as described in ORS 94.595) ORS 94.670(10)(d)
The association shall maintain a copy, suitable for the purpose of duplication, of the reserve study, if any, described in ORS 94.595. ORS 94.670(10)(d) · verified May 2026
-
Hazard and public liability insurance maintained on common property ORS 94.675(1)(a)
Insurance for all insurable improvements in the common property against loss or damage by fire or other hazards, including extended coverage, vandalism and malicious mischief. The insurance shall cover the full replacement costs of any repair or reconstruction in the event of damage or destruction from any such hazard if the insurance is available at reasonable cost. ORS 94.675(1)(a) · verified May 2026
-
Declaration, bylaws, recorded plat, and association rules and regulations ORS 94.670(10)(a)
The association shall maintain a copy, suitable for the purpose of duplication, of the declaration and bylaws, including amendments or supplements in effect, the recorded plat, if feasible, and the association rules and regulations currently in effect. ORS 94.670(10)(a) · verified May 2026
-
Restrictions on alienation of lots stated in the declaration ORS 94.580(2)(l)
Any restrictions on the alienation of lots. Any such restriction created by any document other than the declaration may be incorporated by reference to the official records of the county where the property is located. ORS 94.580(2)(l) · verified May 2026
-
Restrictions on use, maintenance, or occupancy of lots stated in the declaration ORS 94.580(2)(o)
A statement of any restriction on the use, maintenance or occupancy of lots or units. ORS 94.580(2)(o) · verified May 2026
-
Maintenance plan (reviewed and updated as necessary by the board) ORS 94.595(4)
The board of directors shall review and update the maintenance plan as necessary. ORS 94.595(4) · verified May 2026
-
Most recent annual financial statement maintained for duplication ORS 94.670(10)(b)
The association shall maintain a copy, suitable for the purpose of duplication, of the most recent financial statement prepared pursuant to subsection (4) of this section. ORS 94.670(10)(b) · verified May 2026
-
Annual financial statement (balance sheet and income/expenses) ORS 94.670(4)(a)
Within 90 days after the end of the fiscal year, the board of directors shall prepare or cause to be prepared an annual financial statement consisting of a balance sheet and income and expenses statement for the preceding fiscal year. ORS 94.670(4)(a) · verified May 2026
- The association must give notice of owner meetings between 10 and 50 days before the meeting date. ORS 94.640 (1)
- Oregon condominium boards must determine reserve account requirements every year — either by commissioning a fresh reserve study or by reviewing and updating the existing one. There is no statutory N-year professional or visual inspection cadence; the cadence is annual. ORS 100.175 (3)(a)
- Oregon planned community boards must determine reserve account requirements every year — either by commissioning a fresh reserve study or by reviewing and updating the existing one. There is no statutory N-year professional or visual inspection cadence; the cadence is annual. ORS 94.595 (3)
- The board must keep the maintenance plan current and update it whenever circumstances change. There is no fixed update interval beyond "as necessary." ORS 94.595 (4)
- The reserve study described in ORS 94.595 must be kept available for duplication. ORS 94.670 (10)(d)
- The declaration must state any restrictions on the transfer or alienation of lots (e.g., rights of first refusal), with the option to incorporate restrictions from non-declaration documents by reference to county records. ORS 94.580 (2)(l)
- The declaration must contain a statement of any restrictions on the use, maintenance, or occupancy of lots or units. ORS 94.580 (2)(o)
- The association must keep current duplication-quality copies of the declaration, bylaws (with amendments), recorded plat, and rules and regulations. ORS 94.670 (10)(a)
- The most recent annual financial statement prepared under subsection (4) must be kept available for duplication. ORS 94.670 (10)(b)
- The current operating budget must be kept available for duplication. ORS 94.670 (10)(c)
- After a written request from an owner, the association has 10 business days to deliver the documents listed in subsection (10) — declaration, bylaws, recorded plat, rules, financial statement, operating budget, reserve study, and architectural standards. ORS 94.670 (11)
- Within 90 days after fiscal year-end the board must prepare an annual financial statement consisting of a balance sheet and an income and expenses statement. ORS 94.670 (4)(a)
- On written request from an owner, the association must furnish within 10 business days a statement of regular and special assessments, fines, interest, and late charges due and unpaid, including the applicable interest and late-payment rates. ORS 94.670 (8)(a)
- Oregon's default association-meeting quorum is 20 percent of voting interests unless the declaration or bylaws set a higher threshold. ORS 94.655 (1)
- If too few owners show up, the meeting can be adjourned and rescheduled until the quorum threshold is met. ORS 94.655 (2)
- The board must maintain hazard insurance — fire, extended coverage, vandalism, malicious mischief — on insurable common-property improvements at full replacement cost when reasonably available. ORS 94.675 (1)(a)
- The board must maintain a public liability policy covering all common property and damage or injury caused by association negligence. ORS 94.675 (1)(b)
Download the Oregon HOA & Condo Compliance Checklist
One PDF — every active Oregon 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
Request a Oregon resale certificate
Oregon law requires 11 statutory disclosures on every resale. Buyers, agents, and title officers can request a certificate here — we contact the board to deliver it.
Request Oregon resale certificate