You toured the unit. Now inspect the association.

Get the HOA documents from the seller and upload them. Condo Check explains the HOA's finances, insurance, maintenance status, and governance so you can make an informed decision.

Avoid costly HOA surprises.

Check for assessments, major repairs, weak reserves, insurance gaps, and litigation while you still have time to act.

No account required.

Start with your email. We send a private report link when the review is ready.

About five minutes.

Upload the HOA packet, close the page, and come back when the report-ready email arrives.

A good unit can still come with a costly HOA problem.

Unlike buying a typical house and its lot, buying a condo means your purchase is tied to the HOA that manages the building, land, and common areas. Its finances, insurance, and repair plans can affect your costs even when the unit is in great shape.

Avoid a costly HOA surprise.

Look for special assessments, major repairs, low reserves, insurance problems, and litigation before you close.

Know before the inspection period ends.

Condo Check is usually ready in about five minutes, so you can understand the HOA documents while you still have time to act.

What Condo Check reviews

Document set completion and currency
Special assessments and capital projects
Reserves and financial pressure
Physical condition and deferred maintenance
Insurance and catastrophe exposure
Legal, governance, and use restrictions
Future sale or refinance considerations
Open questions and what to ask next

Upload the packet. Get the report.

Send the files you already have. No sorting, renaming, or account required.

condocheck.ai

Condo Check file · 214 Magnolia Quay, Unit 4B Buying

Drop PDFs here, or choose files

One combined file is fine. No sorting or labels needed.

PDF ONLY · UP TO 25 MB PER FILE · UP TO 20 FILES

PDFResale package.pdf PDF2026 Budget.pdf PDFReserve study.pdf PDFCertificate of Insurance.pdf 4

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PDF Resale package.pdf · 18.4 MB Uploading Uploaded

PDF 2026 Budget.pdf · 1.2 MB Uploading Uploaded

PDF Reserve study.pdf · 6.8 MB Uploading Uploaded

PDF Certificate of Insurance.pdf · 2.1 MB Uploading Uploaded

4 files Continue to payment

Buyer due diligence report

$50.00

One time. Includes the report and one update if more docs arrive late.

214 Magnolia Quay, Unit 4B · Charleston, SC

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Starting your report. Usually about five minutes.

Reading Analyzing Writing the report

Buyer Due Diligence Report

Magnolia Quay Condominium

This report shows what the reviewed HOA documents say, what the buyer should look at more closely, and what to ask about before closing.

Reviewed documents

8 items reviewed

Document types

8 categories represented

Review notes

0 items noted

Review Summary

StatusWhat the documents show

EvidenceStrong, moderate, or insufficient support

Special Assessments and Capital Projects

Clear From Reviewed Docs Evidence: Strong

The resale certificate, board minutes, budget, financial statements, and reserve study do not show a current, approved, proposed, or discussed assessment. They show major repairs being paid through the regular budget and reserves, not a separate owner charge.

4 cited docs

Reserves and Financial Pressure

Clear From Reviewed Docs Evidence: Strong

The April 12, 2026 reserve study is based on a March 28 site visit. It lists $986,440 in reserves, estimates the HOA is 78% funded, and recommends a $92,534 reserve contribution for 2026.

3 cited docs

Physical Condition and Deferred Maintenance

Clear From Reviewed Docs Evidence: Strong

Management reported no major building or occupancy problem, open code issue, or unfunded repair project. Board minutes also report no delayed elevator safety work, active roof leaks, immediate roof work, or major repair outside the approved budget.

2 cited docs

Insurance and Catastrophe Exposure

Clear From Reviewed Docs Evidence: Strong

A master insurance certificate dated May 14, 2026 covers policies from May 1, 2026 through May 1, 2027. It lists property coverage based on replacement cost/agreed value, plus liability, umbrella, crime, directors and officers (D&O), equipment, workers' compensation, and optional flood coverage.

2 cited docs

Legal, Governance, and Use Restrictions

Clear From Reviewed Docs Evidence: Strong

The HOA's attorney reported no pending or threatened lawsuit, construction-defect claim, or insurance dispute as of May 16, 2026.

3 cited docs

Future Sale or Refinance Considerations

Clear From Reviewed Docs Evidence: Strong

Magnolia Quay is an 84-unit residential condo. Owner turnover was completed in 2018. The largest owner holds 3 units (3.57%), there is no commercial space, short-term rentals are prohibited, and management reports no investor, sponsor, bulk-owner, or developer control.

2 cited docs

Other Items Checked

These items were reviewed, and no major concern was found in the documents provided.

Special Assessments and Capital Projects

No special assessment was disclosed

The resale certificate, board minutes, budget, financial statements, and reserve study do not show a current, approved, proposed, or discussed assessment. They show major repairs being paid through the regular budget and reserves, not a separate owner charge.

Special Assessments and Capital Projects

No unfunded capital project stood out

The resale certificate, budget, reserve study, board minutes, and April financials show no planned assessment, separate owner-funded repair charge, or urgent major repair. The documents explain how current repairs will be paid.

Reserves and Financial Pressure

Reserve study and funding information were available

The April 12, 2026 reserve study is based on a March 28 site visit. It lists $986,440 in reserves, estimates the HOA is 78% funded, and recommends a $92,534 reserve contribution for 2026. The current budget puts 15% of regular owner dues into reserves.

Reserves and Financial Pressure

No major budget or delinquency pressure stood out

The 2026 budget puts 15% of regular owner dues into reserves, which matches the April 2026 reserve study recommendation. The HOA also reports that reserve transfers were current through April.

Physical Condition and Deferred Maintenance

No major building problem was found

Management reported no major building or occupancy problem, open code issue, or unfunded repair project. Board minutes also report no delayed elevator safety work, active roof leaks, immediate roof work, or major repair outside the approved budget.

Insurance and Catastrophe Exposure

Master insurance information was provided

A master insurance certificate dated May 14, 2026 covers policies from May 1, 2026 through May 1, 2027. It lists property coverage based on replacement cost/agreed value, plus liability, umbrella, crime, directors and officers (D&O), equipment, workers' compensation, and optional flood coverage.

Insurance and Catastrophe Exposure

The documents addressed flood risk

A May 13, 2026 flood determination places the buildings in FEMA Zone X, outside the special flood hazard area. The insurance certificate lists an optional HOA flood policy from May 1, 2026 through May 1, 2027.

Legal, Governance, and Use Restrictions

No major legal issue was found

The HOA's attorney reported no pending or threatened lawsuit, construction-defect claim, or insurance dispute as of May 16, 2026.

Legal, Governance, and Use Restrictions

No unusual HOA rule was found

Leases must last at least six months. Management requires a signed lease and tenant contact form. Nightly, weekend, and other hotel-like rentals are prohibited, but the rules do not state a limit on the number of rented units.

Future Sale or Refinance Considerations

No unusual project structure was found

Magnolia Quay is an 84-unit residential condo. Owner turnover was completed in 2018. The largest owner holds 3 units (3.57%), there is no commercial space, short-term rentals are prohibited, and management reports no investor, sponsor, bulk-owner, or developer control.

Send the HOA documents.

Upload the HOA documents. You do not need to sort or rename them.
Just $50.

The review usually takes about five minutes. We email the private report link when it is ready.
Read the findings.

One free update is included if additional documents arrive late.

FAQ

How do I get the HOA documents?

Ask the seller or your real estate agent for the condo resale package. It may also be called the resale certificate, disclosure package, or HOA documents, and it usually comes from the HOA or its management company. Ask for it as early as possible so you have time to review it before your contract deadline.

Which documents does Condo Check review?

More detail is better because Condo Check can only report what appears in the files you provide. An ideal packet includes:

A resale certificate or disclosure package
The declaration, bylaws, and rules
Current budget and recent financial statements
The latest reserve study
The certificate of insurance (COI)
Recent board and owner meeting minutes
Inspection reports, such as milestone inspection reports
Notices, reports, or records related to assessments, litigation, repairs, or major projects
Anything else that could materially affect the health of the HOA

What if more documents arrive later?

The $50 price includes one free update if an additional HOA document arrives late.

Is this a building inspection or lender approval?

No. Condo Check reviews the documents you upload. It does not inspect the unit or building, and it does not decide whether a lender will approve the project.

Can my real estate agent see the report?

Only if you share it, which we recommend. You can ask Condo Check to send your agent a copy.

Can I use this if I am selling my unit?

Yes. Sellers can upload the HOA documents and use the same report to understand the association information a buyer may ask about.

$50. About five minutes. No account required.