Kentucky Community Association Laws
Planned Communities (KRS 381.785–.801), Condominium Act (KRS 381.9101–.9207), Horizontal Property Law (KRS 381.805–.910), corporate acts (KRS 273/271B), manufactured/mobile home community rules (KRS 219; 902 KAR). Reference hub
Kentucky’s framework is deliberately light on centralized oversight and heavy on procedures. New HOAs fall under the 2023 Planned Community Act (budgets, records, assessments, liens, open board meetings), while condominiums are governed by the 2011 Kentucky Condominium Act and pre-2011 condos by the Horizontal Property Law. There’s no state ombudsman or CAM license; enforcement is largely by owners through corporate governance and the courts. Recent tweaks add guardrails—e.g., a city-initiated receivership tool for failing HOAs and statutory protection for political yard signs—so the overall feel is: procedural and owner-driven, with a few targeted backstops.
At a glance
- Planned Communities (HOAs): KRS 381.785–.801 (budgets, records/financials, assessments, liens, meetings, political signs).
- Condominiums: KRS 381.9101–.9207 (modernized UCIOA-style condo law; meetings, records, assessments, liens).
- Legacy Condos: KRS 381.805–.910 (Horizontal Property Law for older regimes).
- Manufactured/Mobile Home Communities: KRS 219 + 902 KAR 15:010/15:020 (permits, health/sanitation).
- Corporate form: Nonprofit KRS 273; sometimes KRS 271B.
Primary Statutes
Planned Communities (HOAs) — KRS 381.785–.801
Applies to HOAs created after June 29, 2023: budgets, records, meetings, assessments, liens, political signs, etc.
Condominium Act — KRS 381.9101–.9207
Modern condo statute (effective 2011): association powers, records/financials, meetings, assessments, liens.
Horizontal Property Law — KRS 381.805–.910
Older condo framework still relevant for pre-2011 regimes.
Manufactured/Mobile Home Communities — KRS 219
Permits and health/sanitation standards for manufactured/mobile home communities.
Corporate Acts — KRS 273 & 271B
Entity law (formation, bylaws/amendments, meetings, records).
273 (Nonprofit): KRS Chapter 273
271B (Business): KRS Chapter 271B
Popular Sections (direct links @ Kentucky Legislature)
Planned Communities (KRS 381.785–.801)
- 381.790 — Budget; assessments; insurance; financial records
- 381.792 — Required provisions; meetings; notice; quorum
- 381.793 — Quorum; open board meetings; director standards
- 381.795 — Owner inspection of records
- 381.796 — Common expenses; increases; interest & late fees
- 381.797 — Elements of assessments; special assessments; budget vote
- 381.799 — Continuing lien; priority
- 381.800 — Political yard signs (existing contrary provisions void)
- 381.803 — City petition for receivership of failing HOA
Condominiums (KRS 381.9101–.9207)
Horizontal Property Law (legacy condos)
Rental/tenancy backdrop (as relevant)
Administrative Rules (Kentucky Administrative Regulations)
No statewide HOA/condo-specific code. Manufactured/mobile home community standards are set by CHFS via 902 KAR.
Manufactured/Mobile Home Communities
Management / CAM
Licensing
- No Kentucky-specific CAM license. Real estate brokers/sales associates are licensed by KREC for brokerage/leasing activities.
Kentucky Real Estate Commission (KREC)
License Verification (KY)
Professional credentials (optional)
Governing Documents & Overlays
- Governing documents: Articles, recorded plats, CC&Rs/Declaration, Bylaws, Board Rules/Resolutions.
- Federal overlays: Fair Housing Act, ADA (where applicable), FDCPA (collections), FCC OTARD (antennas), etc.
- State/local overlays: Building codes, stormwater, public health (for MHCs), and local ordinances.
- Corporate filings: KY Secretary of State — Business Records & Search
State Contacts
Kentucky Real Estate Commission (KREC)
krec.ky.gov · Phone: (502) 564-7760
- Licenses real estate brokers/agents; not HOA/condo boards.
- Verify a license
Secretary of State — Business Filings
Attorney General — Consumer Protection
No state HOA/condo ombudsman. For general consumer issues, contact the AG’s Consumer Protection Division (consult private counsel for legal advice).
Disclaimer
This page is a general reference and not legal advice. Laws and rules change; always verify the current text on the official linked sites and consult qualified counsel for your situation.
Last updated: September 9, 2025