Maryland HOA & condo compliance, with the statute behind every deadline
Maryland regulates condos and non-condo HOAs under two mutually exclusive laws — the Condominium Act (Real Property Title 11) and the Homeowners Association Act (Title 11B) — and neither carries a formation-date gate for the duties this calendar tracks, so every Maryland condominium and every Maryland HOA owes the same duty list regardless of when it was created. GnomeOwner's compliance calendar tracks duties from both acts, and shows the exact statute sentence behind each one, not just a due date.
Both acts share a genuinely rare requirement: a real reserve study and funding plan, not just a disclosure. See the fact below.
Maryland requires a reserve study AND a funding plan — for condos and HOAs alike
Most states that regulate reserves at all require only a study, or only a disclosure of what's in the account. Maryland requires both a study and an actual plan to fund what it finds: the governing body must, in consultation with a qualified reserve professional, “develop a funding plan to determine how to fund the reserves necessary” — not just estimate the number and stop there. A Maryland condominium owes this for every residential unit; a Maryland HOA owes it only where the association is responsible for common-area upkeep and those components carry at least $10,000 in combined repair-or-replacement cost. Either way, updated studies are due at least every 5 years, with the first-study deadline phased by county and by when the community was established.
“The governing body of a condominium shall, in consultation with a person identified under subsection (e)(1) of this section, develop a funding plan to determine how to fund the reserves necessary under this section.”
A few of the duties GnomeOwner tracks for Maryland condominium associations under the Maryland Condominium Act (Real Property Title 11) and non-condominium homeowners associations under the Maryland Homeowners Association Act (Real Property Title 11B)
Every deadline here shows you the exact sentence of the statute it comes from, so you — or your attorney — can check it in seconds.
Commission a reserve study and develop a reserve funding plan
Have an independent reserve study completed by a qualified reserve professional, then keep it current with an updated study at least every 5 years; in consultation with that professional, develop and follow a funding plan for the reserves the study identifies, and review progress toward the plan at each annual meeting. When your FIRST reserve study is due is phased by county and by when the condominium was established (Prince George's County, Montgomery County, and all other counties each phase in on their own dates, with a separate schedule for earlier-established condominiums) — confirm your association's first-study deadline with your reserve professional.
Your condominium is residential — § 11-109.4(b) applies this reserve-study requirement only to a residential condominium.
“The governing body of a condominium shall, in consultation with a person identified under subsection (e)(1) of this section, develop a funding plan to determine how to fund the reserves necessary under this section.”
Carry property and general liability insurance on the common elements
Starting no later than the first conveyance of a unit to someone other than the developer, keep in force — to the extent reasonably available — property insurance against direct physical loss on the common elements (and, for attached/multifamily units, the units), plus comprehensive general liability insurance covering the common elements, each in an amount at least equal to anything your declaration or bylaws require. Give all unit owners notice within 10 days if any policy terminates, and keep a copy of every policy available for inspection.
“the council of unit owners shall maintain, to the extent reasonably available: (1) Property insurance against risks of direct physical loss commonly insured against in amounts determined by the council of unit owners, but not less than any amounts specified in the declaration or bylaws”
Have independent parties run board elections
When electing officers or members of the governing body (other than by a vote of the full membership of the council of unit owners), have the election — including collecting and counting ballots and certifying results — conducted by independent parties who are not candidates and have no conflict of interest regarding any candidate.
Your association is holding an election for officers or members of the governing body.
“Elections, including the collection and counting of ballots and the certifying of results, for officers or members of the governing body other than the full membership of the council of unit owners shall be conducted by independent parties who:”
Keep board and association meetings open to members
Hold all meetings of the association — including board and committee meetings — open to all members or their agents, with reasonable notice of regularly scheduled open meetings. Close a meeting only for one of the limited purposes the statute lists, and record the time, place, purpose, closing vote, and authority for closing it in the next meeting's minutes. Give members a designated opportunity to comment, and hold at least one meeting a year whose agenda is open to any association matter.
“all meetings of the homeowners association, including meetings of the board of directors or other governing body of the homeowners association or a committee of the homeowners association, shall be open to all members of the homeowners association or their agents”
Keep books and records and make them available to lot owners
Make all books and records available for examination or copying by any lot owner (or their mortgagee or authorized agent) during normal business hours after reasonable notice; on a written request for financial statements or board minutes, deliver them within 21 days if prepared in the last 3 years, or 45 days if older. Certain sensitive categories (personnel, medical, personal financial, matters in negotiation, legal advice, closed-meeting minutes) may be withheld.
“all books and records kept by or on behalf of the homeowners association shall be made available for examination or copying, or both, by a lot owner, a lot owner’s mortgagee, or their respective duly authorized agents or attorneys, during normal business hours, and after reasonable notice.”
Commission a reserve study and develop a reserve funding plan
Have an independent reserve study completed by a qualified reserve professional, then keep it current with an updated study at least every 5 years; in consultation with that professional, develop and follow a funding plan for the reserves the study identifies, and review progress toward the plan at each annual meeting. When your FIRST reserve study is due is phased by county and by when the association was established — confirm your association's first-study deadline with your reserve professional.
Your homeowners association is responsible under its declaration for maintaining and repairing common areas, and the total repair-or-replacement cost of those components is at least $10,000 — an association that issues bonds to meet capital expenditures is exempt.
“The governing body of a homeowners association shall, in consultation with a person identified under subsection (e)(1) of this section, develop a funding plan to determine how to fund the reserves necessary under this section.”
Every item above is drafted from Maryland’s statute text and shown beside the exact sentence it comes from — check any claim against the law’s own words. This page hasn’t had a full attorney review. Confirm anything you plan to act on with your own attorney or CPA; law as reflected here is current as of 2026-08-22.
Maryland questions we hear a lot
Does Maryland have one condo/HOA law or two?
Two, mutually exclusive. A Maryland condominium is governed by the Condominium Act (Real Property Title 11), which applies to “all condominiums” with no formation-date gate touching this page's ongoing board duties. A non-condominium Maryland HOA is governed by the separate Homeowners Association Act (Title 11B), whose own applicability section expressly excludes any property that's part of a Title 11 condominium regime (§ 11B-102(e)(1)) — so the two never overlap.
Does Maryland require an HOA reserve study, and does it differ from a condo's?
Yes, but the trigger differs. A Maryland condominium's residential reserve-study duty applies across the board. A Maryland HOA's version (§ 11B-112.3) reaches only an association responsible under its declaration for maintaining common areas whose components carry at least $10,000 in combined repair-or-replacement cost — an HOA below that threshold, or one that issues bonds to cover capital expenses, is excused. Both versions require the same thing once triggered: an independent study, a funding plan built with that professional, and an updated study at least every 5 years.
Does Maryland require independent parties to run condo board elections?
Yes — a real, specific safeguard most states don't have. When electing officers or board members (other than by a vote of the full membership), the election — “including the collection and counting of ballots and the certifying of results” — must be conducted by independent parties with no conflict of interest regarding any candidate (Md. Code, Real Prop. § 11-109(c)(17)). A unit owner can serve as that independent party if they meet the statute's own disinterestedness tests.
Does Maryland require open HOA meetings?
Yes, broadly: “all meetings of the homeowners association, including meetings of the board of directors or other governing body... or a committee... shall be open to all members of the homeowners association or their agents” (Md. Code, Real Prop. § 11B-111). A meeting may be closed only for a limited, named list of purposes, and the board must record the time, purpose, and closing vote in the next meeting's minutes.
Is GnomeOwner's Maryland compliance calendar reviewed by a lawyer?
Every deadline on this page is shown beside the exact sentence of the statute it comes from — so you can check each claim against the law's own words, right here on the page. What this page hasn't had yet is a full attorney review. It's legal information, not legal advice: confirm anything you plan to act on with your own attorney.
Also covered: North Carolina, Nevada, Virginia, Arizona, Washington, South Carolina, Illinois, Oregon, Utah, California, Colorado, Texas, Georgia, Florida, New York, Michigan, Massachusetts, Ohio, Pennsylvania, New Jersey, South Dakota, Wyoming, Connecticut, Alaska, West Virginia, Vermont, Delaware, Alabama, Montana, Hawaii, New Hampshire, Idaho, Iowa, Kentucky, Louisiana, North Dakota, Maine, Nebraska, Rhode Island, Oklahoma, New Mexico, Kansas, Mississippi, Arkansas, Missouri, Wisconsin, Indiana, Minnesota, Tennessee. More states are added as their compliance calendars are built — see the full list.
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