Pennsylvania guide
Pennsylvania HOA document review
Pennsylvania HOA document review operates under the Uniform Planned Community Act (Title 68 Ch. 51-54, 1996).
Risk Intelligence
Get Your Free Condo Risk Report
Expert Matching
Need a real estate lawyer or mortgage specialist?
Section 5407 imposes resale-certificate requirements that parallel the condo Section 3407 regime — 10-business-day delivery, 5-day buyer rescission, detailed content including declaration, budget, reserves, litigation, and insurance. The two statutes are largely parallel.
Section 5407 HOA disclosure
Required content parallels the condo regime: declaration, bylaws, rules, budget and financials, reserves, monthly assessment, unpaid assessments, planned capital projects and special assessments, pending litigation, insurance summary, known violations. Delivered within 10 business days. 5-day buyer rescission.
What to request beyond the statute
Master policy declarations page, full claim history, voluntary reserve study, complete meeting minutes, any engineering reports. The contract is the mechanism for forcing delivery.
AG consumer-protection complaints
Pennsylvania allows owners to file complaints with the AG's Bureau of Consumer Protection for board violations of open-meeting, quorum, voting, or records provisions. A 100-day alternative dispute resolution period generally must precede the complaint.
Records access
Owners have records-inspection rights under the UPCA. Test records request reveals practical governance discipline.
Pennsylvania legal references
- 68 Pa.C.S. Ch. 51-54 — Uniform Planned Community Act
- 68 Pa.C.S. § 5407 — HOA resale disclosure
- Pennsylvania Office of Attorney General — Consumer Protection
Informational only. Not legal advice. Always confirm against current statute and counsel.
Need help applying these Pennsylvania statutes to your specific situation? We can connect you with state-licensed counsel and specialists familiar with this exact regulatory environment.
Find a Pennsylvania specialist →Reviewer's checklist
- Request the Section 5407 disclosure (within 10 business days)
- Use the 5-day rescission window
- Request declaration, bylaws, articles, and current rules
- Request current dues statement and unit-level balance
- Request master policy if one exists
- Request 18+ months of board minutes
- Submit a test records request
- For recently transitioned communities: verify developer-turnover documentation
- Check for any AG complaints filed against the association
- Build documentation contingency into the contract
Want this same review on your actual documents? We do it free, with page citations you can verify.
Get My Free Risk Report →Risk Intelligence
Get Your Free Condo Risk Report
Upload condo or HOA documents for a free risk review. We read reserve studies, budgets, meeting minutes, insurance summaries, and assessment exposure — every finding linked to the exact page.
Expert Matching
Need a real estate lawyer or mortgage specialist?
We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
- HOA lawyer
- Mortgage broker
- Insurance broker
Related risk areas
Read these next to round out your due diligence
Condo document review
A condo document review is the structured analysis of every disclosure document your seller or association has provided — declaration, bylaws, rules, reserve study, budgets, financials, meeting minutes, insurance summary, estoppel or resale certificate, and any pending special assessment notices.
Governance risk
An association's governance health is a leading indicator of every other risk.
Special assessments
Special assessments are the single largest source of financial surprise in condo and HOA ownership.
FAQ
Frequently asked questions
Risk Intelligence
Get Your Free Condo Risk Report
Upload condo or HOA documents for a free risk review. We read reserve studies, budgets, meeting minutes, insurance summaries, and assessment exposure — every finding linked to the exact page.
Expert Matching
Need a real estate lawyer or mortgage specialist?
We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
- HOA lawyer
- Mortgage broker
- Insurance broker