Transfer Taxes vs. HOA Fees in Cordillera Closings

Confused by the stack of “fees” on a Cordillera closing statement? You are not alone. Buyers and sellers often mix up small government transfer charges with separate HOA fees that can be bigger and vary by association. This guide breaks down what each fee is, who usually pays, and how to verify your exact costs before closing. Let’s dive in.

Transfer taxes in Cordillera

Colorado collects a small documentary fee when a deed records. The fee is calculated at $0.01 per $100 of the purchase price, so a $350,000 sale equals a $35 fee. You will see this charge at recording, along with standard page or recording fees. See the state’s guidance on calculation and the TD‑1000 for reference in the Colorado Assessors’ Library. Learn how the documentary fee is computed.

How it is collected

The Eagle County Clerk and Recorder collects documentary and recording fees when the deed records. These appear on your closing statement and are paid at closing. For current recording fee schedules or logistics, review the Eagle County Recorder resources. Find the Eagle County recording office information.

Watch for municipal transfer taxes

Some Colorado resort towns levy separate municipal transfer taxes in addition to the state documentary fee. Whether that applies depends on the parcel’s municipal boundary. Cordillera sits largely in unincorporated Eagle County, so many parcels are not inside a town with a municipal transfer tax, but you must confirm this for the specific property. See which Colorado towns have legacy transfer taxes.

HOA fees at closing

HOA or POA charges are not taxes. They are association fees tied to the property’s governing documents and management practices. Common items include resale or estoppel packets, transfer fees, working‑capital or capital contributions, proration of regular dues, and any special assessments. Colorado’s CCIOA outlines disclosure duties and the documents you should receive during a sale. Review a CCIOA overview and disclosures.

• Resale or estoppel packet: The association or manager provides budgets, CC&Rs, insurance summaries, and status of assessments for closing, usually for a fee.
• Transfer fee or account setup fee: One‑time charge to update records upon a sale; amount varies by association.
• Working‑capital or capital contribution: Some associations require a one‑time buyer contribution to reserves as permitted by governing documents.
• Prorated dues: Regular assessments are prorated between buyer and seller at closing.
• Special assessments or outstanding balances: Typically resolved at closing based on the payoff statement.

Cordillera listings often quote annual HOA assessments around the mid‑thousands for many properties. For example, some listings show about $3,750 per year for association dues, which is separate from any one‑time transfer or capital fees. See a representative Cordillera listing with dues details.

Club vs HOA in Cordillera

The Club at Cordillera is separate from the master HOA. Club memberships have their own rules and fees that are not the same as HOA assessments or transfer fees. If a membership is part of your plan, gather the club’s transfer information in addition to the HOA resale packet. Read about The Club at Cordillera’s ownership and operations.

What appears on your settlement

On a typical settlement statement, you will see government and HOA items listed in separate sections.

• Government items:
  • Colorado documentary fee.
  • Recording and page fees, plus any county surcharges.
  • Any municipal transfer tax if the parcel lies inside a taxing town.
• HOA items:
  • Resale or estoppel packet fee.
  • HOA transfer or account setup fee.
  • Proration of regular dues.
  • Payoff of any outstanding assessments.

Title and escrow compile these line items and collect them at closing so they are clear and itemized. See an example resource that outlines how property record and fee items are organized.

Who typically pays each fee

Payment is set by your purchase contract and the association’s rules. In many Cordillera deals, the seller often pays for the resale or estoppel packet, while transfer or working‑capital fees may be assigned to the buyer or seller per HOA rules. Regular dues are prorated between the parties, and sellers usually clear any outstanding assessments at closing. Confirm these allocations early with your agent, title officer, and the association’s fee schedule.

Cost comparison: quick examples

Understanding the scale helps you plan for cash to close.

• Colorado documentary fee: $0.01 per $100 of price. On $350,000, that equals $35. See the state’s calculation guidance.
• Hypothetical municipal transfer tax: If a parcel were inside a town at 2 percent, $350,000 would mean $7,000, in addition to the state documentary fee. Cordillera parcels are often outside these towns, but you must verify jurisdiction. Review towns with legacy transfer taxes.
• HOA items: Resale packets and transfer fees vary by association, and regular dues are prorated; check the current fee schedule and governing documents for exact amounts.

Cordillera closing checklist

Use this list to avoid last‑minute surprises.

1. Confirm jurisdiction. Ask title to verify whether your parcel is in unincorporated Eagle County or inside a town with a transfer tax. Reference the list of towns with transfer taxes.
2. Request an itemized closing estimate. Confirm the documentary fee math, any municipal transfer tax, recording fees, and all HOA charges. See state guidance on the documentary fee and TD‑1000.
3. Order the HOA resale or estoppel packet early. Ask for the fee schedule, governing documents, and any board‑adopted transfer or working‑capital fees. Review a CCIOA overview to understand required disclosures.
4. Check title for private transfer‑fee covenants. These are not taxes, but they can require a payment at each sale. Learn what a private transfer fee is.
5. Verify club membership rules. If The Club at Cordillera is relevant, request its separate transfer requirements and fees. See club background and management.
6. Confirm recording logistics. Coordinate with your title team on timing and current Eagle County recording charges. Find the Eagle County recording office information.

Ready to price your next move and map out closing costs with confidence? For discreet, local guidance and a clean, on‑time close in Cordillera, connect with DeDe Dickinson.

FAQs

What is the Colorado documentary fee in a Cordillera sale?

• It is a small recording charge calculated at $0.01 per $100 of price that you pay when the deed records. See the state’s calculation guidance.

Are HOA transfer fees the same as taxes?

• No. HOA transfer and resale fees are association charges created by governing documents, while taxes are government charges collected at recording.

Could my Cordillera property owe a municipal transfer tax?

• Only if the parcel is inside a town that levies one; many Cordillera parcels are in unincorporated Eagle County, so verify the boundary with title. Review towns with transfer taxes.

Who usually pays HOA resale and transfer fees?

• It depends on the contract and the HOA’s rules; sellers often cover the resale packet, and transfer or working‑capital fees may be assigned to either party per the association’s fee schedule.

What documents should I request from the HOA before closing?

• Ask for the resale or estoppel packet, fee schedule, budgets, insurance summary, and any transfer or working‑capital policies in the governing documents. Review CCIOA disclosure basics.