Missouri Condo Resale Disclosure Calculator — 10-Day Delivery, 14-Item Content (Mo. Rev. Stat. Sec. 448.4-107 / 448.4-108)

Compute the statutory delivery deadline and fee-reasonableness assessment for a Missouri condominium resale disclosure certificate under the Missouri Uniform Condominium Act (Mo. Rev. Stat. Ch. 448). Models Sec. 448.4-107 (resale disclosure required for resales of condominium units except limited statutory exceptions) and Sec. 448.4-108 (10-day delivery from written request; 14-item statutorily enumerated content; reasonable-fee standard with no statutory cap; buyer-reliance protection). Returns the delivery deadline, the buffer to closing, the fee-reasonableness assessment, and the 14-item content checklist.

Calculator

Adjust the inputs below; the result updates instantly.

Transaction

Scheduled contract / closing date (ISO YYYY-MM-DD)

ISO date of the scheduled contract execution or closing. Used to compute the buffer between the resale-disclosure delivery deadline and the contract.

Date of written request to the association (ISO YYYY-MM-DD)

ISO date the unit owner's written request for the resale disclosure was delivered to the association. Triggers the Mo. Rev. Stat. Sec. 448.4-108 10-day delivery clock.

Fee

Fee charged by the association for the disclosure

Reference

Reference date for deadline countdown (ISO YYYY-MM-DD)

ISO date used as "today" for the days-until-deadline output. Defaults to today if blank. Surfaced as an input so an attorney drafting a memo against a past timeline can compute the deadline deterministically.

Verdict

ON TIME. Delivery deadline 2026-06-04 comfortably precedes contract 2026-06-15 by 11 day(s). Standard 14-item content checklist applies under Mo. Rev. Stat. Sec. 448.4-107 / 448.4-108 (Missouri Uniform Condominium Act). Fee assessment: IN RANGE.

Status: ON TIME — delivery comfortably precedes contract
Days until / past deadline: 18
Days buffer between delivery deadline and contract: 11
Fee-reasonableness assessment: IN RANGE — within typical Missouri market $125-$375
Governing statute: Mo. Rev. Stat. Sec. 448.4-107 / 448.4-108 (Missouri Uniform Condominium Act)
Required-content checklist (14 items): 1. Statement of any right of first refusal or other restraint on alienation affecting the disposition 2. Monthly common-expense assessment and any unpaid common expense or special assessment due from the seller 3. Statement of any other fees payable by the unit owner 4. Capital expenditures anticipated by the association for the current and two next succeeding fiscal years 5. Amount of reserves for capital expenditures and any portions designated for specified projects 6. Most recent regularly prepared balance sheet and income and expense statement 7. Current operating budget of the association 8. Unsatisfied judgments against the association and status of pending suits where the association is a party 9. Insurance coverage for the benefit of unit owners 10. Whether the board has given or received notice of any existing use, occupancy, alteration or improvement that violates the declaration 11. Remaining term of any leasehold estate affecting the condominium and renewal / extension provisions 12. Reserve-study summary including funding level and recommended contributions 13. Special assessments adopted or anticipated by the board 14. Statement of any borrowing by the association and outstanding loan balances
Summary: Missouri condominium resale-disclosure analysis under the Missouri Uniform Condominium Act (Mo. Rev. Stat. Ch. 448). Statute citations: Sec. 448.4-107 (resale disclosure required for resales of condominium units except limited statutory exceptions); Sec. 448.4-108 (10-day delivery deadline; statutorily enumerated content; reasonable-fee standard with no statutory dollar cap; buyer-reliance protection bound by the association's statements). Request date 2026-05-25. Delivery deadline 2026-06-04 (request + 10 calendar days). 18 day(s) remain as of reference date. Contract / closing date 2026-06-15. Buffer between delivery deadline and contract: 11 day(s). Fee charged: $250.00. Assessment: IN RANGE (typical Missouri range $125-$375; no statutory cap — Missouri uses a common-law reasonable-fee standard under Sec. 448.4-108; market challenge threshold approximately $500). Status: ON TIME. Required-content checklist: 14 items under Sec. 448.4-108 — confirm each item is included in the delivered disclosure. Regime check: the Missouri Uniform Condominium Act (Mo. Rev. Stat. Ch. 448) governs the resale-disclosure framework. Missouri does NOT formally license community association managers at the state level; the disclosure work falls to the association attorney and the managing agent under contract. There is no statutory fee cap — the Sec. 448.4-108 reasonable-fee standard requires case-by-case analysis. Fees above $500 are typically scrutinized; fees above $750 are at materially higher risk of common-law challenge. Verdict: ON TIME. Delivery deadline 2026-06-04 comfortably precedes contract 2026-06-15 by 11 day(s). Standard 14-item content checklist applies under Mo. Rev. Stat. Sec. 448.4-107 / 448.4-108 (Missouri Uniform Condominium Act). Fee assessment: IN RANGE.

Tools to go with this

Need a Mo. Rev. Stat. Sec. 448.4-108 resale-disclosure template or fee-reasonableness memo?

Fennec Press's Missouri condominium resale bundle includes the Sec. 448.4-108 resale-disclosure certificate template with all 14 statutorily required content items, the 10-day delivery tracker keyed to the written request date, the reasonable-fee memo template documenting cost-basis support for fees above the typical market range, and the buyer-reliance defense checklist for post-closing collection actions.

Open Fennec Press Missouri condo bundle→

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How this calculator works

This calculator evaluates a Missouri condominium resale disclosure request against the Missouri Uniform Condominium Act statutory requirements. Given the scheduled contract or closing date, the date of the unit owner's written request to the association, and the fee charged, the calculator returns:

The statutory delivery deadline (request date plus 10 calendar days under Mo. Rev. Stat. Sec. 448.4-108).
The days remaining until the deadline (or days past, if overdue).
The buffer between the delivery deadline and the contract closing date.
A status flag (within-deadline, on-time, tight-timing, late-risk, or overdue).
A fee-reasonableness assessment against Missouri market norms (Missouri has no statutory fee cap, only a reasonable-fee standard).
The 14-item required-content checklist enumerated by Sec. 448.4-108.

Use the calculator at three points in the resale flow: (a) when the seller requests the disclosure, to confirm the 10-day delivery window will accommodate the closing schedule; (b) when the association prepares the disclosure, to validate the content checklist is complete; and (c) after closing, to memorialize fee-reasonableness for any subsequent challenge.

The relevant Mo. Rev. Stat. Ch. 448 statute

The Missouri Uniform Condominium Act lives at Mo. Rev. Stat. Ch. 448 and applies in full to condominiums created on or after September 28, 1983.

Mo. Rev. Stat. Sec. 448.4-107 — The unit owner shall furnish to a purchaser before execution of the contract a copy of the declaration, bylaws, rules and regulations, articles, and a resale disclosure certificate signed by an officer of the association. The disclosure is required for all resales of Missouri condominium units except limited statutory exceptions (transfers between spouses, by court order, foreclosure-related transfers, and a small number of other specifically enumerated cases).

Mo. Rev. Stat. Sec. 448.4-108 — Within 10 days after written request from the unit owner, the association shall furnish a resale disclosure certificate containing the statutorily enumerated content. The 10-day clock runs in calendar days. The association may charge a reasonable fee for preparing the certificate; the Missouri statute does NOT impose a specific dollar cap, leaving fee reasonableness to common-law analysis. The certificate must include approximately 14 categories of content: right of first refusal, monthly assessment and any unpaid amounts, other fees, anticipated capital expenditures, reserves, financial statements, current budget, unsatisfied judgments and pending suits, insurance, declaration violations, leasehold remaining term, reserve-study summary, special assessments, and association borrowing. The association is bound by the statements in the certificate against any subsequent claim that the statements were inaccurate — the buyer-reliance protection.

Missouri-specific gotchas (nonjudicial deed-of-trust foreclosure, 21-day limited redemption window)

THERE IS NO STATUTORY FEE CAP. Unlike Florida (Sec. 718.111(12), $299 cap) or Washington (WUCIOA, statutory cap), Missouri leaves resale-disclosure fees to a common-law reasonable-fee standard. Typical Missouri market fees range $125 to $375. Fees above $500 are typically scrutinized; fees above $750 are at materially higher risk of common-law challenge. The flexibility lets associations recover actual cost for complex disclosures but creates litigation risk for associations charging at the high end without documented cost basis.

THE 10-DAY CLOCK IS CALENDAR DAYS. Mo. Rev. Stat. Sec. 448.4-108 runs in calendar days, not business days. A request made on a Friday before a holiday weekend still triggers a 10-day clock that does not extend for weekends or holidays. Associations should plan resale-disclosure prep workflows to accommodate the calendar-day clock without relying on weekend or holiday extensions.

MISSOURI DOES NOT LICENSE COMMUNITY ASSOCIATION MANAGERS. Florida (LCAM), Illinois (CAM), Nevada (CAM), and Virginia (CIC manager) all require state licensure of CAMs. Missouri does not. The Ch. 448 compliance work for resale disclosures falls to the association attorney, an officer of the association, or the managing agent under contract — without a state-licensed CAM as an intermediate quality-control layer. Boards in Missouri condo projects should maintain detailed standard operating procedures for resale-disclosure preparation because no state-licensed manager handles the procedural compliance independently.

ALL 14 CONTENT ITEMS MUST BE INCLUDED. Missing any one item from the Sec. 448.4-108 content list exposes the association to damages claims and the buyer to a potential rescission right. Common omissions include the reserve-study summary (especially for older buildings where the reserve study is dated), the borrowing disclosure (often forgotten when the association has a small line of credit), and the anticipated-special-assessment disclosure (when the board is contemplating but has not yet formally adopted a special assessment).

BUYER-RELIANCE PROTECTION SHIFTS COST OF UNDISCLOSED ITEMS TO THE ASSOCIATION. The association is bound by the statements in the certificate against any subsequent claim that the statements were inaccurate. If the certificate says the seller is current on assessments but the association later discovers $2,500 in pre-closing unpaid assessments, the association cannot pursue the buyer for those amounts. The cost falls on the association, which must absorb the loss or seek recovery from the seller (often impractical post-closing). The buyer-reliance protection is a strong motivator for careful certificate preparation.

THE EXCEPTIONS LIST IS NARROW. Mo. Rev. Stat. Sec. 448.4-107 exceptions for transfers between spouses, by court order, by foreclosure, and a few other categories are construed narrowly. Most ordinary resales — including auctions, short sales, and corporate-to-corporate transfers — require a full resale disclosure. Attempting to invoke an exception in a case that does not clearly fit can expose the seller and the association to liability.

RUSH FEES ARE TYPICALLY $50 TO $125. Missouri associations commonly charge rush fees for expedited delivery in under 5 days (most commonly under 3 days). Rush fees of $50 to $125 are within the typical market range. Rush fees above $200 are at higher risk of common-law challenge under the reasonable-fee standard.

What this calculator does NOT model

The calculator implements the Mo. Rev. Stat. Sec. 448.4-107 / 448.4-108 TIMING AND FEE assessment for a Missouri condo resale disclosure. It does NOT:

Validate the actual content of the delivered disclosure against the Sec. 448.4-108 14-item list (it surfaces the checklist for use by the association).
Model the limited statutory exceptions under Sec. 448.4-107 (transfers between spouses, by court order, foreclosure-related transfers). If the transaction falls within an exception, the 10-day delivery requirement does not apply.
Model the buyer's rescission rights or damages claims arising from a defective or late disclosure (a separate Missouri-civil-procedure analysis).
Allocate the cost of the disclosure between the seller and the buyer (this is governed by the contract or by the parties' agreement, not by Sec. 448.4-108).
Cover the developer's initial-sale disclosure obligations under Sec. 448.4-103 et seq., which are different from the resale-disclosure framework.
Validate compliance with declaration-level disclosure requirements that may apply in addition to the statutory minimums.

For any consequential resale closing, retain Missouri counsel with Mo. Rev. Stat. Ch. 448 experience to oversee the certificate preparation and validate the content checklist.

Sources

Last reviewed: 2026-05-17 against:

Mo. Rev. Stat. Ch. 448 (Missouri Uniform Condominium Act).
Mo. Rev. Stat. Sec. 448.4-107 — resale disclosure required for condominium resales.
Mo. Rev. Stat. Sec. 448.4-108 — 10-day delivery; 14-item statutorily enumerated content; reasonable-fee standard; buyer-reliance protection.
Missouri Condominium Property Act — parallel framework for pre-1983 condominiums.
Community Associations Institute Heartland Chapter practitioner materials covering Missouri condo resale-disclosure workflow.

Mo. Rev. Stat. Sec. 448.4-107 requires the unit owner to furnish a resale disclosure certificate to any purchaser before the purchaser is bound to the contract for the resale of a condominium unit governed by the Missouri Uniform Condominium Act. Limited statutory exceptions apply for transfers between spouses, transfers by court order, transfers from a foreclosing lender, and a small number of other specifically enumerated cases. For an ordinary arm's length resale, the certificate is mandatory and must be delivered before contract execution or the buyer has a right to rescind. The seller bears the obligation to obtain the certificate from the association; the association bears the obligation to prepare and deliver the certificate within the 10-day statutory window.

Mo. Rev. Stat. Sec. 448.4-108 gives the association 10 CALENDAR DAYS from the date of the unit owner's written request to prepare and deliver the resale disclosure certificate. The 10-day clock runs in calendar days (not business days). Failure to deliver within the window may make the association liable for resulting damages to the buyer or the seller. In practice, most Missouri associations using a third-party managing agent for resale disclosures deliver within 7-10 days; well-organized associations deliver within 3-5 days for an additional rush fee.

Mo. Rev. Stat. Sec. 448.4-108 enumerates approximately 14 categories of required content: (1) right of first refusal or other restraint on alienation; (2) monthly common-expense assessment and any unpaid assessments due from the seller; (3) other fees payable by the unit owner; (4) capital expenditures anticipated for the current and two succeeding fiscal years; (5) reserves and designations; (6) most recent balance sheet and income/expense statement; (7) current operating budget; (8) unsatisfied judgments and pending suits; (9) insurance coverage; (10) board notice of declaration violations; (11) remaining leasehold term and renewal; (12) reserve-study summary; (13) special assessments adopted or anticipated; (14) any borrowing by the association and outstanding loan balances. Missing any one item exposes the association to damages claims and the buyer to a potential rescission right.

No. Missouri statute does NOT impose a statutory fee cap for resale disclosures — only a common-law REASONABLE-FEE standard under Mo. Rev. Stat. Sec. 448.4-108. The reasonable-fee standard requires case-by-case analysis based on the actual cost to the association of preparing the certificate (staff time, document gathering, attorney review for unusual matters). Typical Missouri market fees range $125 to $375 for a standard resale disclosure; rush fees of $50 to $125 are common for expedited delivery in under 5 days. Fees above $500 are typically scrutinized as potentially unreasonable; fees above $750 are at materially higher risk of common-law challenge. Compare to Florida Sec. 718.111(12), which caps estoppel fees at $299 by statute. The Missouri reasonable-fee standard is more flexible but more litigation-prone.

Under Mo. Rev. Stat. Sec. 448.4-108, the association is BOUND by the statements in the resale disclosure certificate against any subsequent claim that the statements were inaccurate. The buyer who closes with the certificate in hand has a defense against post-closing collection actions for pre-closing matters not disclosed in the certificate. Practical effect: if the certificate states that the seller is current on assessments but the association later discovers unpaid assessments from before closing, the association cannot pursue the buyer for those pre-closing assessments. The buyer-reliance protection is the primary reason resale disclosures are required at all — they shift the diligence burden from the buyer to the association (who has access to the records) and provide a clean transfer of association obligations at closing.

No. Missouri does NOT formally license community association managers at the state level. Florida (LCAM), Illinois (CAM), Nevada (CAM), and Virginia (CIC manager) all require state licensure of CAMs. Missouri does not. The practical consequence for resale disclosures is that the certificate preparation falls to the association attorney, an officer of the association, or the managing agent under contract — without a state-licensed CAM as an intermediate quality-control layer. Boards in Missouri condominium projects should expect to maintain detailed standard operating procedures for resale-disclosure preparation because no state-licensed manager handles the procedural compliance independently. Industry associations (Community Associations Institute Heartland Chapter) offer professional designations on a voluntary basis.

A defective certificate (missing required content, materially inaccurate statements, late delivery) exposes the association to (a) damages claims by the buyer or seller for delay or inaccuracy losses; (b) potential rescission of the resale contract by the buyer; and (c) loss of the buyer-reliance defense in any post-closing collection action. Common defects include missing reserve-study summaries, outdated financial statements, incomplete disclosure of pending suits, and failure to disclose anticipated special assessments. Best practice is for the association attorney or the managing agent to maintain a standardized resale-disclosure template that prompts each required content item and to refresh the template annually as financial statements and reserve studies update.

Missouri's 10-day delivery requirement is moderate by national comparison. Comparison: Florida estoppel certificates 10 business days; Illinois Sec. 22.1 disclosure 30 days; Texas resale certificate 10 days; California Sec. 4530 disclosure within "as soon as practicable" (usually 10 days); Washington WUCIOA Sec. 64.90.640 resale 10 days; Minnesota MCIOA Sec. 515B.4-108 10 days. Missouri's 10-day standard matches the majority of UCA-derived states. The Missouri timing is faster than Illinois (30 days) but slower than Florida (10 BUSINESS days). For a typical Missouri resale closing 30 days from contract, the 10-day delivery window leaves a comfortable buffer for buyer review and any follow-up due diligence.

Mo. Rev. Stat. Ch. 448 (Missouri Uniform Condominium Act) applies IN FULL to condominiums created on or after September 28, 1983. The earlier Missouri Condominium Property Act continues to govern condominium projects created before that date in matters of formation and declaration content. However, the modern Ch. 448 operating provisions (including the resale-disclosure framework in this calculator) have been broadly applied across Missouri condominium practice. The first task in a Missouri condo resale file is to confirm which provisions of Ch. 448 govern the project — for the resale-disclosure timing and content in this calculator, the modern Ch. 448 sections generally control.

Generally no. The Mo. Rev. Stat. Sec. 448.4-107 disclosure requirement is a CONSUMER PROTECTION rule designed to give condominium buyers adequate diligence information before they commit to purchase. Most attempts to waive the requirement are unenforceable. The limited statutory exceptions (spousal transfers, court-ordered transfers, foreclosure-related transfers) are narrowly construed. Even in transactions where both parties are sophisticated commercial actors, the disclosure is typically delivered as a matter of best practice because the buyer-reliance protection under Sec. 448.4-108 provides a defense the buyer would otherwise lack. The seller can in some circumstances waive the buyer's right to rescind for late delivery, but the underlying disclosure obligation runs to the association, not the seller, and is not subject to seller waiver.

Resources

Links marked sponsoredmay earn The Fennec Lab a commission. They do not affect the calculator's output. See disclosures.

Missouri Revisor of Statutes — Mo. Rev. Stat. Sec. 448.4-107 (resale disclosure) — Mo. Rev. Stat. Sec. 448.4-107 — resale disclosure required for condominium resales
Missouri Revisor of Statutes — Mo. Rev. Stat. Sec. 448.4-108 (content / timing) — Mo. Rev. Stat. Sec. 448.4-108 — 10-day delivery; 14-item content; reasonable-fee standard
Missouri Revisor of Statutes — Mo. Rev. Stat. Ch. 448 (UCA) — Mo. Rev. Stat. Ch. 448 — Missouri Uniform Condominium Act