HOA Rules in Frederick County, VA (2026)
3 rules for unincorporated Frederick County, Virginia.
Verified from official government sources
Board Procedures
Frederick County requires every Property Owners' Association created under its subdivision ordinance to elect officers or directors through equal voting rights spelled out in the deed of dedication, and once a subdivision holds 20 or more lots the Board of Directors must approve an interest-bearing escrow account for all POA funds under Frederick County Code § 144-302.14.
Frederick County POA Board Election and Fund Rules
Some RestrictionsFrederick County Code § 144-302.14.C(5), E(2), F, F(1)
A deed of dedication shall be provided by the subdivider or developer, with an article of bylaws providing for equal voting rights by all property owners and for election of officers or directors of the required property owners' association. ... Prior to the sale of the lot constituting 50% of all approved buildable lots, all common areas, easements, and improvements shall be transferred from t...
Assessment & Dues
Frederick County's subdivision ordinance sets the assessment framework for every Property Owners' Association it requires: lot owners, including the developer, are assessed on an equal basis for common-area upkeep, associations of 20 or more lots must carry $1,000,000 in liability insurance, and the board must issue lot owners an annual report of fees collected under Frederick County Code § 144-302.14.
Frederick County POA Assessment and Insurance Rule
Some RestrictionsFrederick County Code § 144-302.14.C(4), C(6), F(2)
A liability insurance policy of $1,000,000 shall be mandatory for any POA containing 20 or more lots. ... All lot owners, including the developer, shall be assessed on an equal basis for the perpetuation and maintenance of required common elements as long as such perpetuation and maintenance is necessary. Such assessments shall be sufficient for the perpetuation and maintenance of all common ar...
Board Governance
In Frederick County outside Winchester, Stephens City and Middletown, the subdivision ordinance requires any subdivider building in the RP, R4, R5 or MH1 zoning districts to organize a nonprofit Property Owners' Association before selling a single lot. The POA must hold bylaws, articles of incorporation and deed clauses for common areas, and every lot purchaser automatically becomes a mandatory member under Frederick County Code § 144-302.14.
Frederick County POA Formation Rules
Some RestrictionsFrederick County Code § 144-302.14.A(1), C(1), C(3)
§ 144-302.14. Property owners' association (POA). ... The intent of this section is to require the establishment of a nonprofit organization to be known as the Property Owners' Association (POA), consisting of all subdivision lot owners holding subdivision interests in the development. ... The subdivider shall file legal documents that establish procedures for the establishment of a nonprofit P...
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