Sample report — illustrative only. Fictional Oregon property used for demonstration.

Sample report — Oregon

Pearl District Lofts at Portland, OR

44-unit converted warehouse condominium, built 1999

Overall riskElevated

The reserve study is current as ORS 100.175 requires, but the Phase II Portland Title 24 structural inspection turned up envelope and balcony issues that the board has not yet scoped. No earthquake coverage is in place. The 5-business-day SPDS rescission window is the buyer's primary protection.

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Key findings

Oregon-specific findings

Elevated

Portland Title 24 Phase II Report 2025-04 + Meeting Minutes 2025-05-20

Title 24 Phase II inspection flagged envelope and balcony repairs

What we found: Portland Title 24 Phase II inspection (April 2025) identified water intrusion at three balcony connections and recommended targeted facade-cladding repair within 24 months. Estimated cost band $180,000–$320,000. Board discussed funding options at the May meeting; no vote was taken.
Why it matters: Portland's periodic inspection program (Title 24) makes inspection-driven capital exposure a structural feature of Portland condo diligence. Envelope issues in converted-warehouse and mid-rise stock are a documented Pacific Northwest pattern.
What to ask: What's the board's timeline for scoping bids and adopting a funding plan? Will the repair scope be funded from reserves or a special assessment?

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Elevated

Master Policy Schedule + USGS Cascadia hazard map

No earthquake coverage — Cascadia seismic exposure

What we found: Master property policy is all-risk per ORS 100.435 but explicitly excludes earthquake. No separate earthquake endorsement or stand-alone policy is in place. Last board discussion of earthquake coverage was October 2023 — declined as cost-prohibitive at the time.
Why it matters: Portland sits in the Cascadia subduction-zone exposure footprint. Earthquake coverage is not statutorily required and is typically a separate rider with high deductibles. Owners are uninsured for the catastrophic scenario.
What to ask: Has the board re-evaluated earthquake coverage since 2023? What's the loss-assessment exposure on my HO-6 if a covered event occurs?

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Moderate

2025 Reserve Study + Operating Budget, line 18

Reserve study current; funding tracks the recommendation

What we found: Reserve study updated 2025 by a credentialed reserve specialist as ORS 100.175 requires. Recommendation is $148,000/year; budget allocates $146,000/year. Funded ratio is approximately 82% of fully-funded scenario.
Why it matters: Oregon's statutory reserve framework is one of the more prescriptive in the West. A board that actually funds at recommendation is meaningfully unusual — and a positive governance signal. The Title 24 repair scope above is the larger swing factor.
What to ask: How does the board plan to handle the Title 24 repair scope without disrupting the current reserve funding cadence?

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Moderate

Seller's Property Disclosure Statement + ORS 105.464

SPDS delivered; 5-business-day rescission window open

What we found: SPDS delivered 3 business days before scheduled closing. Buyer's 5-business-day revocation right remains open for 2 more business days. SPDS lists no known material defects or pending litigation.
Why it matters: Oregon does not provide a condo-specific resale package mandate. The SPDS is the only statutorily required disclosure, and its rescission window is the buyer's structured protection.
What to ask: Has the seller updated the SPDS for the Title 24 Phase II findings? If not, the revocation window is the time to request the update.

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