Moving into a new home is an exciting fresh start, but the first 90 days are crucial in creating a comfortable, functional, and welcoming space that feels like yours. This guide helps new homeowners transition smoothly, with essential steps and thoughtful touches that make the process enjoyable and stress-free.

1. Creating a Cozy and Personalized Space

• Unpack with Purpose: Focus on setting up key areas first, like the bedroom and kitchen, to make the space feel livable right away.

• Prioritize Comfort: Layering rugs, adding personal decor, and incorporating soft lighting can instantly create a warm atmosphere. Set up spaces that encourage relaxation and socializing—think cozy living rooms and inviting dining areas.

• Bring in Personality: Decorate with items that have personal meaning, like family photos, favorite books, or local art. These small touches bring warmth and a sense of "home."

2. Connecting with the Community

• Meet Your Neighbors: Take the opportunity to introduce yourself to neighbors—whether by hosting a small open house or simply saying hello during a walk. This can lead to meaningful relationships and a support network.

• Attend Local Events: Look up community gatherings, farmers' markets, and local festivals. Not only are these fun, but they also help you learn more about the culture of your new neighborhood.

• Join Community Groups: Many neighborhoods have social media groups or neighborhood watch pages. Joining these can keep you informed about events, local tips, and ways to contribute.

3. Setting Up Essential Services and Utilities

• Get Utilities in Order: Research your local providers for electricity, water, internet, and trash collection. Setting up utilities efficiently helps you get settled faster.

• Consider Smart Home Upgrades: Small investments in energy-efficient or smart home features, like a programmable thermostat or security system, can help streamline your home’s functionality and increase comfort.

• Find Reliable Service Providers: New homeowners often need contractors, landscapers, plumbers, or handypersons. Ask for recommendations from neighbors or check online reviews to find trusted professionals nearby.

4. Exploring Local Amenities and Shops

• Scout Out Essentials: Locate the closest grocery stores, pharmacies, and emergency services, so you know where to go when needed.

• Discover Hidden Gems: Take some time to explore the local coffee shops, restaurants, and specialty stores. Supporting these places helps you become part of the local economy and may uncover unique finds.

• Outdoor Spots and Recreational Areas: Identify parks, trails, and recreational centers nearby. These spaces are perfect for unwinding and provide a great excuse to explore more of the area.

5. Organizing for a Smooth Transition

• Create a Moving Checklist: Ensure that essential tasks, such as updating your address, unpacking systematically, and setting up auto-billing, don’t get overlooked.

• Set Up a Maintenance Schedule: Schedule regular check-ups for your HVAC, plumbing, and other systems to prevent issues and keep your home running smoothly.

• Invest in a Home Toolkit: Having basic tools on hand, like a hammer, screwdriver, and measuring tape, can make handling small fixes much easier.

The first 90 days in a new home is about more than unpacking; build your routine, make connections, and turn your space into a true sanctuary. Taking these steps not only makes settling in smooth but also lays the groundwork for a fulfilling and connected life in your new community.

Your Trusted Partner in Real Estate

Are you thinking of Selling or Buying your dream home? Connect with our expert team and learn how we make every real estate decision a confident one.

Disclaimer:
The information provided in this blog is for general informational purposes only and should not be considered legal, financial, tax, or investment advice. While we strive to ensure accuracy, real estate laws, market conditions, and regulations change frequently. Readers are encouraged to conduct their own research and consult with qualified professionals such as real estate attorneys, financial advisors, mortgage brokers, or tax experts before making any decisions related to buying, selling, or investing in real estate. We do not assume any liability for actions taken based on the information provided in this blog.

Buying a condominium is an exciting investment, but before you commit, it’s crucial to review key documents to ensure you’re making an informed decision. These documents reveal critical details about the condo's financial health, governance, and potential red flags that could impact your ownership experience.

This comprehensive guide will help first-time buyers and seasoned investors navigate the paperwork required for a smooth and secure condo purchase.

1. MLS Listing: Your First Look at the Property

The Multiple Listing Service (MLS) sheet provides an overview of the condo, but don’t just take it at face value—verify the details!

✅ Key Things to Check:

• Accurate Unit Details – Ensure the square footage, layout, and amenities match the listing.

• Included Features – Does the price include parking, storage, or appliances?

• HOA Fees & Inclusions – Understand what’s covered in your monthly condo fees.

🚩 Red Flags:

• Discrepancies between the listing and reality.

• Missing details on fees and inclusions.

2. Reserve Fund Study: Is the Condo Financially Stable?

A healthy reserve fund ensures the building can cover major repairs without imposing unexpected fees on owners.

✅ What to Look For:

• Current Reserve Fund Balance – Is there enough money for upcoming repairs?

• Planned Upgrades & Repairs – What major expenses are expected in the next few years?

🚩 Red Flags:

• A low reserve fund could mean higher fees or special assessments in the future.

• An outdated study may not reflect the true financial health of the condo.

3. Condo By-Laws: Know the Rules Before You Buy

Condo by-laws dictate what you can and cannot do as a unit owner.

✅ Must-Check Rules:

• Pet Policies – Are there breed or size restrictions?

• Short-Term Rentals – Can you list your unit on Airbnb?

• Renovation Restrictions – Can you remodel your unit freely?

🚩 Red Flags:

• Strict rental restrictions could limit your investment potential.

• Excessive restrictions on daily living (noise, decor, visitor policies).

4. Financial Statements: Is the Condo Well-Managed?

The condo corporation’s financial statements give you a snapshot of how well the building is managed.

✅ What to Review:

• Annual Budget – Are condo fees being used effectively?

• Debt & Deficits – Is the condo running at a loss?

• Recent Expenses – Are funds being spent wisely on maintenance?

🚩 Red Flags:

• Consistently rising condo fees with no clear reason.

• Debt or unpaid vendor bills indicating poor management.

5. Status Certificate (Estoppel Certificate): The Condo’s Report Card

A status certificate is essential to confirm there are no financial or legal issues affecting your potential purchase.

✅ What to Look For:

• Outstanding Fees – Are there unpaid condo fees from the current owner?

• Pending Lawsuits – Is the condo involved in any legal disputes?

• Planned Fee Increases – Are monthly condo fees expected to rise soon?

🚩 Red Flags:

• Legal battles with contractors, past owners, or the city.

• Surprise assessments that could cost you thousands after purchase.

6. Property Condition Disclosure: Any Hidden Issues?

This document helps you avoid unpleasant surprises by listing known defects in the unit.

✅ Things to Verify:

• Past Repairs – Have major issues been addressed?

• Water Damage & Mold – Any history of leaks or infestations?

• HVAC, Plumbing & Electrical – Are the systems in good condition?

🚩 Red Flags:

• Undisclosed repairs or past issues (like water damage).

• Signs of neglect that could lead to costly repairs.

7. Title Deed: Confirm Legal Ownership

A title search ensures the unit’s ownership is clear and free of legal complications.

✅ What to Check:

• No Liens or Claims – Ensure there are no debts attached to the unit.

• Legal Description Matches – Confirm the unit details align with official records.

🚩 Red Flags:

• Previous disputes or unresolved legal claims on the property.

• Errors in ownership records that could delay closing.

8. Parking & Storage: Titled vs. Assigned—Know What You Own

Many buyers assume they own a parking stall or storage locker, only to realize later that it's either shared or subject to condo board rules.

✅ Parking Considerations:

• Titled Parking – You own it, and it appears on the title deed.

• Assigned Parking – The condo board assigns and can reassign spots at any time.

• Leased Parking – You don’t own it; you pay a fee for use.

✅ Storage Lockers:

• Titled Storage – Legally yours, included in the title deed.

• Assigned Storage – The condo board can reallocate or remove access.

🚩 Red Flags:

• Unclear ownership – Is your parking or storage space actually yours?

• Restrictions on usage – Some buildings don’t allow oversized vehicles or additional shelving.

💡 Tip: Always request confirmation in writing regarding parking and storage ownership before finalizing your purchase!

9. Condominium Declaration: What Are You Actually Buying?

The condo declaration defines what’s yours and what’s shared within the building.

✅ Understand:

• Common vs. Private Property – Know your responsibility for repairs.

• Shared Amenities & Rules – What’s included in your fees?

• Voting Rights & Decision-Making – How much say do you have as an owner?

🚩 Red Flags:

• Confusing maintenance responsibilities (who pays for window repairs?).

• Unexpected restrictions on how you can use the property.

10. Insurance Certificate: What’s Covered?

Condo insurance varies between buildings, so you need to know what’s included and what’s not.

✅ Verify:

• Building vs. Unit Coverage – Does the condo’s insurance cover interior damages?

• Liability Coverage – Are accidents in shared spaces protected?

• Special Assessments Protection – Are you covered for unexpected fees?

🚩 Red Flags:

• Lack of proper insurance coverage for major disasters.

• High deductibles or gaps in coverage that could leave you financially exposed.

Final Thoughts: Buy with Confidence

Purchasing a condo is a big financial decision, and reviewing these key documents will help you avoid costly mistakes.

🔍 Before you sign, ask yourself:
✅ Is the condo financially stable?
✅ Do the by-laws align with my lifestyle?
✅ Are there any red flags in the status certificate?
✅ What extra fees or assessments might come up?
✅ Is my parking and storage titled or just assigned?

By doing your due diligence, you can protect your investment and enjoy stress-free condo ownership.

Your Trusted Partner in Real Estate

Are you thinking of Selling or Buying your dream home? Connect with our expert team and learn how we make every real estate decision a confident one.

Disclaimer:
The information provided in this blog is for general informational purposes only and should not be considered legal, financial, tax, or investment advice. While we strive to ensure accuracy, real estate laws, market conditions, and regulations change frequently. Readers are encouraged to conduct their own research and consult with qualified professionals such as real estate attorneys, financial advisors, mortgage brokers, or tax experts before making any decisions related to buying, selling, or investing in real estate. We do not assume any liability for actions taken based on the information provided in this blog.