No — Missouri does not require HOA or condo reserve studies, and no statute mandates reserve funding or a minimum reserve level. The Missouri Uniform Condominium Act authorizes associations to budget for reserves (§ 448.3-102 RSMo) and requires condominium resale certificates to disclose the amount of reserves for capital expenditures (§ 448.4-109 RSMo), but neither imposes a study or funding mandate. There is no statutory study cycle.
Verified against the statute 2026-07-06
The reserve-related provisions apply to condominiums created after September 28, 1983 under the Missouri Uniform Condominium Act (ch. 448 RSMo); the resale reserve disclosure does not extend to pre-1983 condominiums. Missouri has no statewide planned-community act, so non-condo HOAs are governed by their declarations and nonprofit corporation law with no reserve provisions.
No statutory cycle — Missouri law never requires a reserve study on any schedule.
No funding mandate and no minimum contribution formula. Section 448.3-102(2) merely authorizes condominium associations to adopt budgets covering reserves and to collect assessments; whether and how much to reserve is left to the board and the governing documents.
For post-1983 condominiums, § 448.4-109 requires the resale certificate furnished to buyers to state the amount of any reserves for capital expenditures, any portions designated for specified projects, and capital expenditures anticipated by the association for the current and two next succeeding fiscal years. No reserve study disclosure is required, and non-condo HOAs have no statutory reserve disclosure.
Subsection (2) empowers the association to 'adopt and amend budgets for revenues, expenditures, and reserves and collect assessments for common expenses from unit owners' — an enabling provision ('may'), not a mandate.
Requires resale disclosure of 'the amount of any reserves for capital expenditures and of any portions of those reserves designated by the association for any specified projects,' plus capital expenditures anticipated for the current and two next succeeding fiscal years.
The UCA applies to condominiums created after September 28, 1983; only enumerated sections extend to older condominiums, and the § 448.4-109 resale-certificate requirement is not among them.
Adversarially re-verified: fetched §§ 448.3-102, 448.4-109, and 448.1-102 on the official revisor.mo.gov site. Confirmed § 448.3-102(1)(2) is a permissive 'may' power to 'adopt and amend budgets for revenues, expenditures, and reserves'; § 448.4-109 requires resale disclosure of reserves for capital expenditures, designated portions, and anticipated capital expenditures for the current and two next succeeding fiscal years; and § 448.1-102 applies §§ 448.1-101 to 448.4-120 to condominiums created after September 28, 1983, with § 448.4-109 absent from the sections extended to pre-1983 condominiums. Informational only — not legal advice. Confirm with the primary source and a community-association attorney licensed in Missouri. Report an issue.
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