FREE TRANSACTION CHECKLIST

Know what still needs an answer before you buy into an HOA or condo.

This checklist is designed for buyers, agents, lenders, title teams and investors reviewing association-governed property. It is not a legal or engineering opinion; it is a practical way to surface missing documents, unresolved financial exposure and public-record questions before closing.

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1. Governing documents

Declaration, bylaws, rules, amendments, use restrictions, leasing limits, approval requirements and material owner obligations.

2. Budget + financials

Current budget, recent financial statements, delinquency picture, major recurring expenses and signs of underfunding.

3. Reserves

Reserve study or equivalent, reserve balances, funded-vs-unfunded components, planned major work and funding assumptions.

4. Inspections + structural signals

Applicable milestone, structural, engineering or safety reports; open recommendations; remediation status; jurisdiction-specific deadlines.

5. Special assessments

Approved, proposed or recently discussed assessments; payment schedule; owner responsibility; reason for the assessment.

6. Insurance

Master policy, deductibles, exclusions, recent premium changes, claims history where available and known coverage gaps.

7. Litigation + disputes

Pending litigation, major claims, developer/contractor disputes, regulatory matters and material owner-facing disputes.

8. Minutes + unresolved decisions

Recent board/member minutes for major repairs, deferred maintenance, insurance changes, budget pressure, financing and assessment discussions.

Florida property?

Florida is the first live paid coverage market. Ops Control HQ can prepare a source-backed public-record diligence snapshot for one association/building and monitor the tracked public signals for 30 days.

Order Florida Snapshot — $79View sample report formatSee full offer detailsFree Florida buyer checklist

Outside Florida?

National coverage is being expanded by actual buyer demand rather than by guessing state order. Tell us the state, your role and approximate monthly review volume. No card required.

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Review association properties repeatedly?

Agents, lenders, title teams, investors and advisory firms reviewing multiple HOA/condo properties are the priority for recurring portfolio coverage. Share the checklist with a client now, or tell us your state and monthly review volume so the next coverage markets are built around real demand.

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FAQ

What should I review before buying a condo or HOA property?

At minimum: governing documents, budget and financials, reserve information, applicable inspection or engineering reports, special assessments, insurance, litigation or major disputes, and recent board/member minutes.

Why do reserves and special assessments matter?

They can show how major repair obligations are being financed and may surface material future owner costs.

Does this certify compliance or financial soundness?

No. It is a diligence workflow and public-record information tool, not a professional certification or opinion.

Is Florida diligence available now?

Yes. The Florida Snapshot is live at $79 for one association/building and includes a 30-day watch of the tracked public signals.

What this does not replace

Association diligence can involve legal, engineering, insurance, lending, appraisal, title, inspection and tax questions. Ops Control HQ provides operational/public-record information and workflow tools, not professional opinions, certifications or guarantees that records are complete or current.