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Washington Ch. 64.90
Washington Uniform Common Interest Ownership Act (RCW ch. 64.90)The forward-looking source of record for Washington community associations. WUCIOA (UCIOA-based, effective July 1, 2018) governs condominiums, plat communities, and cooperatives, and by January 1, 2028 governs all common interest communities when the legacy chapters are repealed (SB 5796). Covers selected key definitions, association powers and duties, meetings, assessments, the statutory lien with judicial or power-of-sale foreclosure, association records, and the resale certificate.Official source
§ 64.90.010
Selected verbatim definitions from RCW 64.90.010 that anchor the rest of the act: assessment, common interest community, declaration, and foreclosure. The foreclosure definition expressly covers both judicial and nonjudicial foreclosure under Washington law. The full section defines additional terms not reproduced here.
§ 64.90.405
Lists the association's mandatory duties (adopt organizational documents and budgets, impose assessments, prepare financial statements, maintain accounts) and its default powers subject to the declaration (amend documents and rules, hire and discharge agents, litigate, contract, regulate the common elements, collect assessments and late charges, enforce the governing documents and impose reasonable fines after notice and hearing, maintain reserves, and suspend limited rights of a delinquent owner). Sets limits including a vote requirement for secured borrowing and restraints on enforcement discretion.
§ 64.90.445
Governs unit owner and board meetings: at least one annual owner meeting, special meetings on request of officers or 20 percent of owners, 14-to-50-day notice with agenda contents, an owner comment opportunity, open board meetings with narrowly defined executive sessions, a declarant-control minimum of four board meetings a year, the at-least-15-minutes owner comment rule at board meetings, board notice and materials requirements, remote participation, a bar on proxy or absentee voting by board members, and a 90-day window to challenge noncompliant board action.
§ 64.90.480
Requires at least annual assessments based on an adopted budget, sets when assessments commence, allows a working capital contribution, allocates common expenses by common expense liability with specified exceptions (limited common elements, benefited units, insurance by risk, utilities by usage), permits assessment of certain expenses against a single owner after notice and a hearing, addresses insurance deductibles, and requires at least one no-charge payment method.
§ 64.90.485
Creates the association's statutory lien for unpaid assessments from the time they are due and sets its priority, including a six-month super-priority over a prior recorded mortgage on a judicial foreclosure. Provides that the lien may be foreclosed judicially under chapter 61.12 RCW or, where the declaration grants a power of sale to a qualified trustee, nonjudicially under chapter 61.24 RCW, but the super-priority is forfeited on a nonjudicial foreclosure. Sets a six-year limitation, the binding statement of unpaid assessments, two mandatory preforeclosure delinquency notices, and minimum-amount and procedural thresholds before a foreclosure action may begin.
§ 64.90.495
Lists the records the association must retain and their retention periods, the right of unit owners and mortgagees to examine and copy records on 10 days' notice, the categories that must be redacted before disclosure (including personnel and medical records, privileged communications, executive session records, and confidential addresses), reasonable copy fees with specified free copies, and the managing agent's duty to deliver original records to the association on termination.
§ 64.90.640
Requires a unit owner reselling a unit to furnish the buyer, before contract or conveyance, a resale certificate signed by an association officer or agent and based on the association's books and the signer's actual knowledge, containing extensive financial, governance, insurance, reserve, and disclosure items plus a conspicuous statutory notice. Caps the association's resale certificate fee, requires delivery within ten days of an owner's request, and gives the buyer a five-day cancellation or closing-extension right keyed to receipt of the certificate.
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