A Stillwater condo sale needs several kinds of information: association resale records, seller-supplied property facts, title documents and any lender-requested project information. Identify the exact association and unit first, then track the source, date and delivery of each document.
Key takeaways
- Keep the association resale packet and seller property disclosures separate.
- Record the certificate date and delivery of the complete information.
- Check the January 2027 statutory changes if your sale crosses that date.
In this guide
- Identify the unit and association before ordering documents
- Request the resale packet before a buyer is waiting
- Plan for the Minnesota document changes effective January 1, 2027
- Track the buyer review period separately from inspection and financing
- Prepare for the lender’s separate condo project questions
- Ask Richard McDonough to coordinate a clear document handoff
Identify the unit and association before ordering documents
Use the full street address, unit identifier and legal description. Include any separately identified parking or storage interests. The unit fact sheet helps reconcile these details with your tax and title records.
A development name can cover several building addresses or housing formats. The Terra Springs guide starts with the distinction between the wider development and the 650 Main Street N example. Ask the manager to confirm the association responsible for the particular unit and whether a master association is involved.
| Information | Usual source | Purpose |
|---|---|---|
| Association resale packet | Association or authorized management contact | Governing documents and current association disclosures |
| Seller property facts | Owner and supporting records | Known condition, alterations and included items |
| Recorded rights and title | Title company and county records | Ownership, encumbrances and recorded interests |
| Condo project questionnaire | Association responding to lender | Loan-program review of the project |
Request the resale packet before a buyer is waiting
For covered resales, Minnesota Statutes 515B.4-107 describes the governing documents and association certificate to be supplied. Its certificate addresses assessments, reserves, financial statements, insurance and other specified matters. The resale-document checklist turns the request into an itemized delivery log.
Ask the manager what the order includes, what the fee is and which information may require a separate request. Check files as they arrive. A folder labelled “HOA documents” does not show whether amendments, rules or required financial attachments are included.
Keep a copy of what was delivered, the recipient and delivery date. If a replacement certificate or corrected file is issued, label the new version and preserve the delivery trail. That helps the transaction team establish which information the buyer received.
Plan for the Minnesota document changes effective January 1, 2027
2026 Minnesota Laws chapter 82, section 12 adds resale-document requirements effective January 1, 2027, including specified fine and collection-policy information and a reserve study, if obtained within the preceding three years for the stated statutory purpose. These are future requirements at this guide's September 2026 review date.
If the listing or closing crosses into 2027, ask the association and transaction adviser which packet is required for the actual transaction. Put the effective-date check on the task list when you order. Reusing a packet from a neighbor’s earlier sale can miss both amendments to the governing documents and changes to the law.
Track the buyer review period separately from inspection and financing
Section 515B.4-108 ties cancellation rights to delivery of the required resale information, with specific conditions for modification or waiver. Have the transaction adviser calculate the applicable dates from the actual delivery and agreement. Keep that calendar separate from inspection, appraisal and loan deadlines.
The closing hub brings those dates together. Early document preparation gives the buyer time to review without placing every request in the final week. It also exposes missing information while there is still time to obtain it.
Prepare for the lender’s separate condo project questions
A buyer's personal mortgage qualification and the project's eligibility are separate reviews. Fannie Mae project standards place responsibilities on the lender to determine the applicable review and eligibility. Supply the requested information through the association instead of describing the building as approved for every loan.
Use the financing-readiness guide to identify the recipient, outstanding questions and lender response date. The assessment guide helps organize charges and approved work that may also affect the seller’s negotiations.
Ask Richard McDonough to coordinate a clear document handoff
When discussing Richard McDonough's Stillwater condo listing examples, ask how his proposed service tracks document orders, missing items and buyer delivery. Agree which requests go to the manager and which go to the title company or lender.
Keep access codes, bank instructions and unredacted financial records out of public listing materials. The public listing should explain the home. The transaction file should carry the documents needed by the authorized recipients.
Reviewed September 18, 2026. Sources and editorial approach.