Cal. Civ. Code §4525
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Documents to be Provided to Prospective Purchasers — Davis-Stirling Act
Establishes the core transfer disclosure documents that the owner of a separate interest must provide to a prospective purchaser before transfer of title. Section was substantially restructured by SB 410 (Stats. 2025, Ch. 516; effective January 1, 2026). Current enumeration is (a)(1)–(a)(11) plus exclusion in (b). Delivery deadline (10 days) is in §4530(a); fee provisions are in §4530(b).
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Assessment
| Ref | Requirement |
|---|---|
| (a)(4) | A written assessment statement from an authorized HOA representative must list current regular and special assessments and fees, unpaid assessments on this unit, unpaid fines/penalties on this unit, plus late charges, interest, and collection costs that are or may become a lien under the Davis-Stirling assessment lien article. |
| (a)(8) | Any board-approved change to regular or special assessments and fees that is not yet due and payable when the package is delivered must be disclosed. Buyers and their lenders need to know what assessment changes are coming. |
Compliance
| Ref | Requirement |
|---|---|
| (a)(11) | For condominium projects subject to the SB 326 exterior elevated elements inspection (decks, balconies, walkways), the most recent §5551 inspection report must be included in the §4525 package. |
| (a)(6) | If the association distributed a §6000 initial list of common-area construction defects to members, the seller must include a copy — unless the matter was settled under §6100. Disclosure does not waive any privileges, and the package must note that the list has not been finally adjudicated. |
| (a)(7) | If the association has issued any §6100 information (settlement or builder-resolution update on common-area defects), the latest version must be included in the package. |
Disclosure
| Ref | Requirement |
|---|---|
| (a) | Before selling a unit in a California common interest development, the owner must deliver the §4525 disclosure package to the prospective buyer — as soon as practicable before title transfer or signing of the real property sales contract. |
| (b) | §4525 applies to owner-to-buyer resales but does not apply to subdividers or developers in initial sales — they are governed by the public-report disclosure regime of Bus. & Prof. Code §11018.6 instead. |
Enforcement
| Ref | Requirement |
|---|---|
| (a)(5) | If the owner has received a §5855 notice of alleged governing-documents violation and the violation is not yet resolved, a copy or summary of that notice must be disclosed. Disclosure does not waive the association's right to enforce against the seller or the buyer, and the association is not obligated to inspect the unit for new violations. |
Financial
| Ref | Requirement |
|---|---|
| (a)(3) | The most recent Article 7 documents — annual budget report (§5300), annual policy statement (§5310), and other annual disclosures — must be included in the package. |
Governance
| Ref | Requirement |
|---|---|
| (a)(1) | The seller must provide all governing documents — Articles of Incorporation, CC&Rs, Bylaws, and Operating Rules. If the association isn't incorporated, a written statement to that effect must be provided instead. |
| (a)(10) | If the prospective purchaser asks for them, the seller must include approved board meeting minutes from the prior 12 months — excluding executive session minutes. This is the only §4525 item triggered by buyer request rather than mandatory. |
| (a)(2) | If the CC&Rs limit occupancy by age (e.g., 55+ community), the seller must include a written statement explaining that the restriction is enforceable only to the extent permitted by Section 51.3 and identifying which Section 51.3 provisions apply. |
| (a)(9) | If the CC&Rs prohibit renting or leasing units, the seller must include a written statement describing the rental prohibition. Material for investor buyers and any buyer planning future tenancy. |
What this means for your resale certificate
Cal. Civ. Code §4525 drives 12 required disclosure items in the California Civil Code §4525 resale certificate.
- (a)(1) Governing documents (Articles, CC&Rs, Bylaws, Operating Rules)
- (a)(2) Age restrictions, if any (subject to Section 51.3)
- (a)(4) Current assessments, fees, unpaid amounts, late charges, interest, collection costs
- (a)(5) Notice(s) of violation under Section 5855 (alleged violations unresolved at request date)
- (a)(8) Approved changes to assessments not yet due and payable
- + 7 more disclosure items
Resale certificate
Need a resale certificate that complies with Cal. Civ. Code §4525?
California law requires 12 statutory disclosures on every resale. Buyers, agents, and title officers can request a certificate here — we contact the board to deliver it.
Request California resale certificate
No charge today. Payment is collected only after the board or property manager accepts and the certificate is delivered.
Session Laws
References
- Cal. Civ. Code §4530 References
Legal Topics
Articles Citing This Statute
Legal references last verified May 24, 2026.
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