HOAs & Condos in Harrisburg, PA

361 registered communities in Harrisburg across Dauphin County and 1 adjacent county. Mix: 144 homeowners association, 122 condominium, 55 unclassified entity, 36 townhome association, 4 property owners association. Median monthly HOA/condo fee in the county is $187.

Estoppel Disclosure Workflow 13 standard items
PA
CommunityPay has not verified a state-specific statutory resale certificate regime in Pennsylvania. 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. Pennsylvania 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.
286,115
County Population
Relatively Moderate
FEMA Risk Rating
$187
Median Monthly HOA Fee
$155 – $248
25th – 75th Percentile
FEMA National Risk Index v1.20. Fee data: U.S. Census ACS 2023 5-Year PUMS, weighted from 2,741 units.
Winter Weather
Very High
$1,411,017/yr expected loss
Inland Flooding
Relatively High
$74,998,403/yr expected loss
Strong Wind
Relatively High
$2,612,754/yr expected loss
Hurricane
Relatively Moderate
$6,928,176/yr expected loss
Heat Wave
Relatively Moderate
$2,767,559/yr expected loss
Source: FEMA National Risk Index. Expected Annual Loss represents the modeled annualized cost of building damage and direct losses across the county, not a per-property figure.
Name Type Formed
1100 Market Condominium Association Condominium
1300 South 19th Street Townhomes, Llc Townhome Association
1800 Arch Street Condominium Association Condominium
18 South Third Master Condominium Association, Inc. Condominium
18 South Third Residential Condominium Association, Inc. Condominium
1911 Walnut Street Master Condominium Association Condominium
210 Pine Street Condominium Association Condominium
225 Market Street Condominium Association Condominium
2420 Cumberland Street Site Condominium Association, Inc. Condominium
333 Market Street Condominium Association Condominium
3615 Chestnut Street Condominium Association Condominium
3711 Market Research Condominium Association Condominium
59, 60 & 61 Homeowners Association Homeowners Association
6040 Carlisle Pike Condominium Association, Inc. Condominium
801 Residence Condo 2 Owner Llc Condominium
Aleco's Sub & Hoagie Shop, L.l.c. Homeowners Association
Allen Glen Property Owners Association Property Owners Association
Amber Fields Homeowners Association, Inc. Homeowners Association
Apex Newbury Land Condominium Association Condominium
Arbordale Homeowners Association Homeowners Association
Arbour Square Condominium Association Condominium
Arondale Homeowners Association, Inc. Homeowners Association
Ashcombe Farms/dover Homeowners' Association Homeowners Association
Autumn Chase Hoa Incorporated Homeowners Association
Avenue of the Arts Condominium Association, Inc. Condominium
Banc-vet Condominium Association Condominium
Belco Condominium Association Condominium
Belle Nance Community Association, Inc. Unclassified Entity
Bennington Homeowners' Association Homeowners Association
Bi Da Luu Hoa Ltd. Homeowners Association
Bierhaul Townhouse Llc Townhome Association
Blue Meadows Farm Homeowners Association Homeowners Association
Blue Ridge Village Condominium Association, Inc. Condominium
Bradford Run Homeowner Association, Inc. Unclassified Entity
Bradford Village I Condominium Association, Inc. Condominium
Bradford Village Ii Condominium Association, Inc. Condominium
Bridgeview Homeowners Association, Inc. Homeowners Association
Brimington Farm Homeowners' Association, Inc. Homeowners Association
Brookhaven Institute for Psychoanalysis and Christian Thought Homeowners Association
Brook Pointe Country Club Estates Homeowner's Association, Inc. Unclassified Entity
Brooksmill Homeowners Association, Inc. Homeowners Association
Brook View Homeowners Association, Inc. Homeowners Association
B&r Philadelphia Condo Gp, Inc. Condominium
Brynfield Homeowners Association, Inc. Homeowners Association
Bts Penn Harrisburg Condo Association Condominium
Canterbury Estates Homeowners Association, Inc. Homeowners Association
Capital City Pilots and Aircraft Owners Association Unclassified Entity
Capital Medical Center Condominium Association Condominium
Capital Ridge Homeowners Association, Inc. Homeowners Association
Cedar Place Condominium Association Condominium
Chambers Hill Fire Company and Community Association Unclassified Entity
Chambers Knoll Association of Homeowners, Inc. Homeowners Association
Chambers Pointe Homeowner's Association, Inc. Unclassified Entity
Chamber's Pointe Planned Community Association, Inc. Unclassified Entity
Chartwood Manor Homeowners Association Homeowners Association
Chatham Glenn Homeowners Association, Inc. Homeowners Association
Chelsey Falls Homeowner's Association Unclassified Entity
Cherry Street Condominium Association Condominium
Chestnut Street Condominium Association, Inc. Condominium
Cheswyck Condominium Association Condominium
Choate Construction Company Homeowners Association
Ch Townhomes Iii Owner Llc Townhome Association
Ch Townhomes Lp Townhome Association
Ch Townhomes Tic Ii Owner Llc Townhome Association
Ch Townhomes Tic Iv Owner Llc Townhome Association
Ch Townhomes Tic Ix Owner Llc Townhome Association
Ch Townhomes Tic Viii Owner Llc Townhome Association
Ch Townhomes Tic Vii Owner Llc Townhome Association
Ch Townhomes Tic Vi Owner Llc Townhome Association
Ch Townhomes Tic V Owner Llc Townhome Association
Ch Townhomes Tic X Owner Llc Townhome Association
Cider Press Homeowners Association, Inc. Homeowners Association
Cloister Drive Condominium Association Condominium
Clover Lee Condominium Association Condominium
Club Estates Condominium Association Condominium
Cobalt Condor Operating Ii-c, Llc Condominium
Cobalt Condor Operating Ii, Llc Condominium
Cobalt Condor Operating, Llc Condominium
College Avenue Townhouses, Llc Townhome Association
Colonial Manor Townhouses Condominium Association Condominium
Community Association Insurance Solutions, Llc Unclassified Entity
Community Association Underwriters of America, Inc. Unclassified Entity
Condominium Development Corporation Condominium
Condom-nation Inc. Condominium
Condon & Skelly, Inc. Condominium
Condor Capital Corp. Condominium
Condor Condominium Association Condominium
Condor Interiors, Inc. Condominium
Condor Security Consultants Inc Condominium
Condor Security Consulting, Inc Condominium
Copper Beech Townhome Communities Fifteen, Llc Townhome Association
Copper Beech Townhome Communities Thirty Five, Llc Townhome Association
Copper Beech Townhome Communities Thirty Spe, Llc Townhome Association
Core5 at Park 31 Condominium Association, Inc. Condominium
Country Club Commons Condominium Owners' Association Condominium
Courts at Chester Springs Community Association, Inc. Unclassified Entity
Creekside Meadows Homeowners Association, Inc. Homeowners Association
Crosby Court Community Association Unclassified Entity
Crownwood Condo 1 Llc Condominium
Crownwood Condo 2 Llc Condominium
Crownwood Condo 3 Llc Condominium
Crownwood Condo 4 Llc Condominium
C & R Rhoads Enterprises, Inc. Homeowners Association
Cumberland Commons Condominium Association Condominium
Cumberland Knoll Homeowner's Association, Inc. Unclassified Entity
Cumberland Preserve Homeowners Association Homeowners Association
Danbury Glen Homeowners Association, Inc. Homeowners Association
Darby Townhomes Developer, Llc Townhome Association
Darby Townhomes Preservation Gp, Llc Townhome Association
Deaven Woods Homeowners' Association, Inc. Homeowners Association
Deer Path Woods Homeowners Association Homeowners Association
Deer Ponds Home Owners Association Homeowners Association
Delta Ridge Homeowners Association Homeowners Association
Devonshire Heights Homeowners' Association, Inc. Homeowners Association
Donegal Crossing Homeowners Association, Inc. Homeowners Association
Duk Padiet Community Association Unclassified Entity
East Liberty North Condominium Association Condominium
East Liberty South Condominium Association Condominium
East Parcel Owners Association Unclassified Entity
East Trindle Commerce Center Condominium Association, Inc. Condominium
Elizabeth Village Community Association Unclassified Entity
Essex House Condominium Corporation Condominium
Express Hoagies, Inc. Homeowners Association
Fairfax Village Homeowners Association, Inc. Homeowners Association
Fairfax Village North Homeowners Association Homeowners Association
Falcon Ridge Homeowners' Association, Inc. Homeowners Association
Farm Crest of South Hanover Township Homeowners Association Homeowners Association
First 33 Commerce Center Owners Association Unclassified Entity
Fishing Creek Estates Homeowners Association Homeowners Association
Fourth and Walnut Property Owners' Association Property Owners Association
Fourth Street Condominium Association Condominium
Fox Knoll Homeowners Association Homeowners Association
Fox Run Heights Homeowners Association Homeowners Association
Frank S. Brown Boulevard Steelton Townhouse Homeowners Association Townhome Association
Gala Square Condominium Association Condominium
Gateway Owners Association Unclassified Entity
Germmania Ochoa Llc Homeowners Association
Glendale Estates Community Association Unclassified Entity
Good Hope Farms South Homeowners Association, Inc. Homeowners Association
Goose Valley Lake Homeowners Association, Inc. Homeowners Association
Governor's Row Homeowners' Association Homeowners Association
Grantham Community Association, Inc. Unclassified Entity
Grayson View Homeowners' Association, Inc. Homeowners Association
Greenbriar Meadows Homeowners Association, Inc. Homeowners Association
Greystone Community Association, Inc. Unclassified Entity
Gyros Hoagies and Pierogis Llc Homeowners Association
Hampden Heights Homeowners' Association Homeowners Association
Hanbury Court Owners Association Unclassified Entity
Hatfield Industrial Properties Condominium Association Condominium
Heatherfield Community Association Unclassified Entity
Heinz Street Condominium Association Condominium
Hickory Pointe Homeowners Association Homeowners Association
Hillside Villas Condominium Association, Inc. Condominium
Hoagy's Lawn Care Services, Inc. Homeowners Association
Hoaks Island, Inc. Homeowners Association
Holly Hills Condominium Association Condominium
Homeowners Association of Chesterfield, Inc. Homeowners Association
Homeowners.com, Inc. Homeowners Association
Homeowner's Financial Services, Inc. Unclassified Entity
Home Owners Funding Corp. of America Homeowners Association
Homeowners Title Agency, Llc Homeowners Association
Homes at Blue Ridge Village Homeowners Association, Inc. Homeowners Association
Houses at Oakhurst Condominium Association, Inc. Condominium
Hoya Hoard, Llc Homeowners Association
Hunter's Ridge Homeowners' Association Homeowners Association
Idahoan Foods, Llc Homeowners Association
Industrial Park Condominium Association Condominium
Institutional Property Owners, Inc. Vii Property Owners Association
Jacraft Office Condominium Association, Inc. Condominium
Ja Hoagland Llc Homeowners Association
Johnstown Homeowners Llc Homeowners Association
Keystone Summit Corporate Center Condominium Association, Inc. Condominium
Killian Hoagies Lancaster Llc Homeowners Association
Kim Hoang Llc Homeowners Association
Kings Crossing Homeowners Association Homeowners Association
Kowal Co. Inc. D.b.a Philadelphia Steaks & Hoagies Homeowners Association
Lancaster Towne Center Condominium Association Condominium
Latshmere Hills Homeowner's Association, Inc. Unclassified Entity
Laurel Point Homeowners Association Homeowners Association
Lexington Woods Homeowners Association Homeowners Association
Lincoln Avenue Homeowners' Association Homeowners Association
Linden Hall Home Owners Association Homeowners Association
Lindenwood Commercial Condominium Association, Inc. Condominium
Lion's Gate Townhomes Iii, Llc Townhome Association
Lion's Gate Townhomes Ii, Llc Townhome Association
Lion's Gate Townhomes I, Llc Townhome Association
Lion's Gate Townhomes Iv, Llc Townhome Association
Liseter Community Association, Inc. Unclassified Entity
Locust Hollow Homeowners Association Homeowners Association
Logan Greene Homeowners' Association Homeowners Association
Malvern Hotel Condominium Association Condominium
Manada Court Villas Condominium Association Condominium
Manor Oaks Iii Condominium Association Condominium
Marcliff Bear Creek Cranberry Pointe Townhomes, Llc Townhome Association
Marketplace Townes Condominium Association, Inc. Condominium
Mayapple Village Home Owners Association, Inc. Homeowners Association
Mayberry Homeowner's Association, Inc. Unclassified Entity
Meadowridge Mayapple Condominium Association Condominium
Medical Dental Associates Condominium Association Condominium
Medical Professional Center Condominium Association Condominium
Metropolitan Home Owners Warranty Corporation Homeowners Association
Mid-atlantic Fiero Owners Association Unclassified Entity
Mill Creek Acres West, Phase B, Homeowners' Association, Inc. Homeowners Association
Mlk Townhomes Llc Townhome Association
Monticello Heights Homeowners Association Homeowners Association
Mooreland Mews Homeowners Association Homeowners Association
Morninglight I Homeowners' Association, Inc. Homeowners Association
Mountain Road Condominium Association Condominium
Neshannock Trails Homeowners Association, Inc. Homeowners Association
New Fox Ridge Ii Homeowners' Association Homeowners Association
New Haven Homeowners Association Homeowners Association
North Broad Condominium Association, Inc. Condominium
Northern Liberties Townhome Property Owner, Llc Townhome Association
Northfield Homeowners Association, Inc. Homeowners Association
Northside Village Townhomes Community Association, Inc. Townhome Association
Oak Springs at Hershey, a Condominium Condominium
Oakwood Homeowners Association Homeowners Association
Old Fox Ridge Homeowners Association Homeowners Association
Old Iron Estates Homeowners Association Homeowners Association
Orchard Glen Homeowners Association, Inc. Homeowners Association
Orchard Glen Townhomes Homeowners Association, Inc. Townhome Association
Orchard Manor Townhomes Llc Townhome Association
Orthoaccel Technologies, Inc. Homeowners Association
Pa - Hodges Heights Community Association Unclassified Entity
Peachtree Condominiums Association Condominium
Penn Gardens Community Association Unclassified Entity
Pennsylania Residential Owners Association INC Unclassified Entity 1987
Pennsylvania Business Center Condominium Association, Inc. Condominium
Pennsylvania Gas Royalty Owners Association (penn-grow) Unclassified Entity
Pennsylvania Home Owners Warranty Council, Inc. Homeowners Association
Pennsylvania Residential Owners Association Unclassified Entity
Penn Valley Phases V and Vi Homeowners Association Homeowners Association
Philmont Master Community Association Unclassified Entity
Pho Hoang Llc Homeowners Association
Physorthorad Office Condominium Association, Inc. Condominium
Pine View Townhome Condominium Association Condominium
Pinnacle Health Cumberland Condominium Association Condominium
Pirhl Carlisle Townhomes Gp Llc Townhome Association
Pocono Commons Condominium Association, Inc. Condominium
Polo Fields Condominium Association Condominium
Pond Ridge Homeowners Association Homeowners Association
Ptvo Owners Association, Inc. Unclassified Entity
Rams Hoagie and Ice Cream Hut Inc. Homeowners Association
Ravdin-rhoads Surgical Society, Inc. Homeowners Association
Rb Run Townhomes 2020, Llc Townhome Association
Regency Hills Condominium Unit Owners' Association Condominium
Remington Ridge Condominium Association Condominium
Rhoades Engineering Company, Llc Homeowners Association
Rhoads Construction and Mobile Welding Llc Homeowners Association
Rhoads Contracting Services Llc Homeowners Association
Rhoads Llc Homeowners Association
Rhoads Transport Systems, Inc. Homeowners Association
Ricondo & Associates, Inc. Condominium
Ridge Hill Landing Homeowners Association, Inc. Homeowners Association
Ridge Top-crestview Vacation Owners Association, Inc. Unclassified Entity
Ridgeview Hoa, Inc. Homeowners Association
River Bend Homeowners Association Homeowners Association
River House Condominium Association Condominium
Romulus Run Homeowners Association, Inc. Homeowners Association
Roth Manor Townhomes Llc Townhome Association
Rufina La Michoacana Llc Homeowners Association
Runnymede East Homeowners Association Homeowners Association
Sagebrook Homeowners Association, Inc. Homeowners Association
Sagewicke Homeowner's Association Unclassified Entity
Saint Clair Point Condominium Association Condominium
Salada Secondo Property Management Llc Condominium
Saucon Valley Square Condominium Association Condominium
Sciota Gardens Community Association Unclassified Entity
Shield Homeowners Adjusters Inc Homeowners Association
Shireman Gardens Homeowners Association, Inc. Homeowners Association
Shoan's Inc. Homeowners Association
Shops at City Line Condominium Association Condominium
Sora West Condominium Association, Inc. Condominium
Southmont Center Condominium Association Condominium
South Mountain Estates Homeowners Association, Inc. Homeowners Association
South Philly Hoagies, Inc. Homeowners Association
Springbrook Condominium Association, Inc. Condominium
Spring Lane Meadows Community Association Unclassified Entity
Spring Rock Homeowners' Association Homeowners Association
Stabler 10 Condominium Association Condominium
Steeple Chase Condominium Association Condominium
Sterling Place Office Condominium Association Condominium
Stonebridge Crossing Planned Community Association, Inc. Unclassified Entity
Stonegate Condominium Association Condominium
Stonegate Ii Condominium Association Condominium
Strawberry Square Condominium Association Condominium
Sturbridge Property Owners Association Property Owners Association
Summerset Meadows Homeowners Association, Inc. Homeowners Association
Summit Terrace Homeowners' Association Homeowners Association
Sunnyhill Farms Homeowners Association Homeowners Association
Sunny Slope Crossings Homeowners Association, Inc. Homeowners Association
Susquehanna Union Green Commercial Condominium Association Condominium
Susquehanna Union Green Master Condominium Association Condominium
Susquehanna Union Green Residential Planned Community Association Unclassified Entity
Sussex Place Homeowners' Association Homeowners Association
Sylvan Heights Condominium Association Condominium
T. C. Hoagland Inc. Homeowners Association
Tecport Business Center Owners Association Unclassified Entity
Terrazza Ii at Newtown Square Homeowners Association Homeowners Association
The 1500 Condomimium Association Condominium
The Capitol View Townhome Community Services Association, Inc. Townhome Association
The Charleston Riding Homeowners Association Homeowners Association
The Cherry Orchard Planned Community Association Unclassified Entity
The Condo Shop Abstract Inc. Condominium
The Estates at Autumn Oaks Homeowners Association, Inc. Homeowners Association
The Estates at Margaret's Grove Homeowner's Association, Inc. Unclassified Entity
The Estates of Forest Hills Homeowners' Association Homeowners Association
The Garden Homes at Orchard Glen Homeowners Association, Inc. Homeowners Association
The Laurel Condominium Association Condominium
The Meadows at Colonial Club Homeowners Association Homeowners Association
The Meadows at Lambs Gap Homeowners Association, Inc. Homeowners Association
The Office Court of Harrisburg Condominium Association Condominium
The Pointe at Rockville Homeowners Association, Inc. Homeowners Association
The Preserve at Brook View Homeowners Association, Inc. Homeowners Association
The Preserve at Montgomery Community Association Unclassified Entity
The Preserve at Simmons Creek Homeowners Association Homeowners Association
The Re-formed 4070 Condominium Association, Inc. Condominium
The Ridgeview Estates Homeowners Association Homeowners Association
The Suites at Hershey Condominium Association, Inc. Condominium
The Terrace Unitowners Association, Inc. Unclassified Entity
The Townes at Autumn View Homeowners Association Homeowners Association
The Townes at Briar Creek Homeowners Association Homeowners Association
The Townes at Chatham Glenn Homeowners Association Homeowners Association
The Townes at Hershey Road Homeowners' Association Homeowners Association
The Townes at Margaret's Grove Homeowners Association Homeowners Association
The Townes of Orrs Bridge Community Association, Inc. Unclassified Entity
The Village of Laurel Ridge Site Condominium Association, Inc. Condominium
The Wilshire Estates Homeowner's Association, Inc. Unclassified Entity
The Woods Homeowner's Association, Inc. Unclassified Entity
Townes of Oak Grove Community Association, Inc. Unclassified Entity
Townhouse Gp Llc Townhome Association
Tuscan Villas at the Estates of Forest Hills Homeowners Association Homeowners Association
Twin Lakes Park Community Association Unclassified Entity
Two Liberty Place Condo D, Lp Condominium
Tyrone Townhomes Preservation Llc Townhome Association
Tyrone Townhouses Pa, Llc Townhome Association
Union Station Condominium, Llc Condominium
U.s. Home Ownership, Llc Homeowners Association
Valleybrooke Plaza Condominium Association Condominium
Valley Forge Office Center Condominium Association, Inc. Condominium
Vaughn Terrace Condominium Association Condominium
Village at North Ridge Homeowners Association Homeowners Association
Village of Innsbruck Prd Homeowners' Association Homeowners Association
Villas at Sagewicke Homeowners Association Homeowners Association
Villas of Beaufort Condominium Unit Owners' Association Condominium
Walnut Run Homeowners Association, Inc. Homeowners Association
Wellington Manor Homeowners Association Homeowners Association
Westbury Meadows Hoa, Inc. Homeowners Association
Westwood Condominium Association, Inc. Condominium
Whitemarsh Corporate Center Condominium Association, Inc. Condominium
Whitetail Ridge Community Association, Inc. Unclassified Entity
Wild Acres Time Sharing Owners Association, Inc. Unclassified Entity
Williams Business Center Owners Association Unclassified Entity
Willow Walk Condominum Association Condominium
Wimbledon Court Homeowners Association Homeowners Association
Wind Creek Bethlehem Condominium Association Condominium
Windmere Homeowners Association, Inc. Homeowners Association
Winslett Ii Homeowners Association, Inc. Homeowners Association
Wissinoming Condominium Association, Inc. Condominium
Woodland View Condominium Association Condominium
Wynfield Homeowner's Association, Inc. Unclassified Entity
Institutional Reference

Reserve study standards in Pennsylvania

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.

Pennsylvania 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 Pennsylvania

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.

Annual / owner meeting
10 days advance notice
68 Pa.C.S. §5308(a)

Most state regimes also require:

  • Open meetings — board meetings open to all members in good standing; closed executive sessions only for narrow purposes (litigation, personnel, contracts).
  • Agenda discipline — the board cannot vote on substantive matters not included in the noticed agenda except in narrow emergency circumstances.
  • Annual meeting — at least one owner meeting per year, with notice mailed to the address on record for each owner.
  • Quorum thresholds — defined in the declaration or bylaws; statutory default applies when governing documents are silent.

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.
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One PDF — every active Pennsylvania 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
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Data sourced from Pennsylvania Secretary of State public registrations, FEMA National Risk Index, U.S. Census Bureau, and CommunityPay's management company graph.
United States Payments and Accounting Governance Infrastructure for Community Associations
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