Missouri condominium compliance, with the statute behind every deadline
A self-managed Missouri condominium answers to Chapter 448, but which version depends on a single date. One created after September 28, 1983 is governed by the current Uniform Condominium Act in full. One created on or before that date is governed mostly by the older Condominium Property Act instead — except that a named list of current-Act sections reaches back and binds every Missouri condominium regardless of age, on top of whichever act otherwise applies. GnomeOwner's compliance calendar tracks duties from whichever version fits your condominium's own creation date, and shows the exact statute sentence behind each one.
Missouri has no dedicated homeowners'-association law — a non-condominium Missouri subdivision runs on its own recorded declaration plus the general Missouri Nonprofit Corporation Law, not this page's Chapter 448.
Missouri's condominium law depends on a single date: September 28, 1983
Chapter 448's own applicability rule draws the line directly: the current Uniform Condominium Act applies in full to a condominium created after September 28, 1983. One created on or before that date is governed mostly by the older Condominium Property Act instead — except that a named list of current-Act sections reaches back and binds it too, for events happening after the 1983 cutover. One consequence worth knowing: the current Act's insurance mandate is NOT on that reach-back list, so a pre-1983 Missouri condominium has no insurance duty under the current law at all — its own insurance obligation instead comes from the older act's separate section.
“Sections 448.1-101 to 448.4-120 apply to all condominiums created within this state after September 28, 1983.”
A few of the duties GnomeOwner tracks for Missouri condominium associations governed by Chapter 448 — the current Uniform Condominium Act for a condominium created after September 28, 1983, and the older Condominium Property Act for one created on or before that date
Every deadline here shows you the exact sentence of the statute it comes from, so you — or your attorney — can check it in seconds.
Hold the annual association meeting
At least once each year; exact date set by the bylaws.
Applies to a Missouri condominium created after September 28, 1983 — an older condominium is governed by the older Condominium Property Act for this duty instead, unless this specific duty is on Chapter 448's own reach-back list.
“A meeting of the association shall be held at least once each year.”
Give 10-60 days' notice before any association meeting
Not less than 10 nor more than 60 days before any meeting of the association, hand-deliver or mail notice stating the time, place, and agenda items — including the general nature of any proposed declaration/bylaw amendment, budget change, or proposal to remove a director or officer.
Applies to a Missouri condominium created after September 28, 1983 — an older condominium is governed by the older Condominium Property Act for this duty instead, unless this specific duty is on Chapter 448's own reach-back list.
“Not less than ten nor more than sixty days in advance of any meeting, the secretary or other officer specified in the bylaws shall cause notice to be hand-delivered or sent prepaid by United States mail to the mailing address of each unit or to any other mailing address designated in writing by the unit owner.”
Maintain property and liability insurance
Commencing no later than the first conveyance of a unit to someone other than the declarant, keep in force, to the extent reasonably available: property insurance on the common elements (and, for buildings with horizontal unit boundaries, the units themselves) for at least 80% of actual cash value; and liability insurance, including medical payments coverage, for occurrences arising from use, ownership, or maintenance of the common elements.
Applies to a Missouri condominium created after September 28, 1983 — an older condominium is governed by the older Condominium Property Act for this duty instead, unless this specific duty is on Chapter 448's own reach-back list.
“Commencing not later than the time of the first conveyance of a unit to a person other than a declarant, the association shall maintain, to the extent reasonably available:”
Keep financial records and make them available to owners
Keep financial records detailed enough to comply with Missouri's original-sale-certificate/securities provision, and make all financial and other records reasonably available for examination by any unit owner and their authorized agents.
Applies to a Missouri condominium created after September 28, 1983 — an older condominium is governed by the older Condominium Property Act for this duty instead, unless this specific duty is on Chapter 448's own reach-back list.
“The association shall keep financial records sufficiently detailed to enable the association to comply with section 448.4-107. All financial and other records shall be made reasonably available for examination by any unit owner and his authorized agents.”
Get an 80% vote before conveying or encumbering common elements
Get affirmative agreement from owners holding at least 80% of the association's votes — including 80% of the votes not held by a declarant — before conveying a common element or granting a security interest in one. Conveying or encumbering a limited common element additionally needs the consent of every unit owner it's assigned to.
Applies to a Missouri condominium created after September 28, 1983 — an older condominium is governed by the older Condominium Property Act for this duty instead, unless this specific duty is on Chapter 448's own reach-back list. Your association is considering conveying, selling, or granting a security interest (such as a loan or mortgage) over any common element.
“Portions of the common elements may be conveyed or subjected to a security interest by the association if persons entitled to cast at least eighty percent of the votes in the association, including eighty percent of the votes allocated to units not owned by a declarant, or any larger percentage the declaration specifies, agree to that action”
Give notice and a chance to be heard before levying a fine
Before levying a fine for a violation of the declaration, bylaws, or rules, give the unit owner notice and an opportunity to be heard.
Your board is considering levying a fine against a unit owner for a violation of the declaration, bylaws, or rules and regulations.
“Impose charges for late payment of assessments and, after notice and an opportunity to be heard, levy reasonable fines for violations of the declaration, bylaws, and rules and regulations of the association”
Maintain fire and extended-coverage insurance (legacy act)
Ongoing — the manager or board of managers must obtain insurance against loss or damage by fire and other hazards covered under standard extended-coverage provisions, for the full insurable replacement cost of the common elements and the units.
Applies to a Missouri condominium created on or before September 28, 1983 — a condominium created after that date instead owes the current Uniform Condominium Act's own parallel duty.
“The manager or the board of managers shall obtain insurance for the property against loss or damage by fire and such other hazards as are covered under standard extended coverage provisions for the full insurable replacement cost of the common elements and the units.”
Every item above is drafted from Missouri’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.
This calendar is built from a full capture of Chapter 448's 97 sections — the newest amendment found anywhere is an August 2014 change to the lien-for-assessments section; the overwhelming majority of the current Act's sections carry only their original 1983 enactment date, unamended since. Whether Missouri's 2015-2026 legislative sessions touched Chapter 448 further wasn't independently checked. Confirm current law with your attorney before relying on any exact figure or deadline.
Missouri questions we hear a lot
Does Missouri have one condo law or two?
Two vintages of the same chapter, joined by one applicability rule. A condominium created after September 28, 1983 is governed by the current Uniform Condominium Act in full: “Sections 448.1-101 to 448.4-120 apply to all condominiums created within this state after September 28, 1983” (R.S.Mo. § 448.1-102). One created on or before that date is governed mostly by the older Condominium Property Act instead, except that a named list of current-Act sections reaches back and binds it too, for events happening after the 1983 cutover.
Does Missouri require condo insurance?
It depends on your condominium's vintage. A post-1983 Missouri condominium must maintain property and liability insurance under the current Act (R.S.Mo. § 448.3-113(1)) — this section is NOT on Missouri's reach-back list, so a pre-1983 condominium has no insurance duty under the current law at all. Its own insurance obligation instead comes from the older Condominium Property Act: “The manager or the board of managers shall obtain insurance for the property against loss or damage by fire and such other hazards as are covered under standard extended coverage provisions for the full insurable replacement cost of the common elements and the units” (§ 448.120).
How much owner approval does Missouri require before conveying common elements?
80%. A post-1983 Missouri condominium needs the affirmative vote of unit owners representing at least 80% of the votes in the association before the association may convey or encumber the common elements (R.S.Mo. § 448.3-112(1)) — a real supermajority bar most boards don't expect.
What are a Missouri condominium's annual requirements?
For a post-1983 condominium: a meeting of the association at least once a year, with 10-to-60 days' notice (R.S.Mo. § 448.3-108); an annual budget with a summary and ratification meeting for owners (§ 448.3-103(3)); and keeping financial records available for owner examination (§ 448.3-118). A pre-1983 condominium instead follows the older Condominium Property Act's own annual statement and records duties, plus the current-Act reach-back list that applies regardless of age.
Is GnomeOwner's Missouri 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.
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