We explain HOA law in plain English, but we are not your lawyer and this is not legal advice. Here is why that matters.

Michigan HOAs with pre-1950 declarations have until September 29, 2027 to save their covenants

Michigan HOAs with pre-1950 declarations have until September 29, 2027 to save their covenants
Michigan · Compliance

Michigan HOAs with pre-1950 declarations have until September 29, 2027 to save their covenants

What happened. Michigan rewrote the Marketable Record Title Act on 29 September 2025, and in doing so drew a line through the state's homeowners associations. 2025 PA 13 — House Bill 4524, sponsored by Reps. Doug Wozniak (R-59) and Kelly Breen (D-21), passed 105–0 in the House and 35–0 in the Senate and given immediate effect on signing1 — permanently protects most association documents and leaves the oldest ones on a two-year clock.

Who is safe, permanently

Section 4(1) of the amended act carries two carve-outs that between them cover the overwhelming majority of Michigan associations:

  • (h) the act cannot extinguish “any interest created by a recorded master deed for a condominium or any recorded amendments to a recorded master deed.” Every Michigan condominium is out, with no filing to make and no date to diarise.
  • (g) the act cannot extinguish any interest created by a declaration or other recorded instrument “executed and recorded on or after January 1, 1950… that subjects the land to any use or other restriction or obligation.”

Who is not

An HOA whose declaration of restrictions was recorded before 1 January 1950. For those, PA 13 replaced the old fixed deadline with a rolling one: an interest may be preserved by recording a notice of claim “not later than 2 years after the effective date of the amendatory act that added section 5a” — which places the deadline at 29 September 2027.

Michigan has a real population of these. Pre-war platted subdivisions in Grosse Pointe, Birmingham, Highland Park, Royal Oak, Ann Arbor, Grand Rapids and the older Detroit neighbourhoods commonly run on declarations recorded in the 1910s through the 1940s, and many of the associations enforcing them today are informal or were incorporated decades after the covenants were written.

✓ Your Michigan State Pass is active — the full analysis below is unlocked

The association can now record the notice itself

This is the change that makes the deadline achievable, and it is new. Before PA 13 it was legally murky whether an association could record a preservation notice on behalf of its members, or whether each owner had to file for their own parcel — a practical impossibility in a 200-lot subdivision.

PA 13 fixes it in two moves. New section 1a(d) defines “property owners' association” for the first time, reaching any person or unincorporated association with a voting membership of landowners that is responsible for operating or managing land, or is authorised to enforce a recorded document subjecting land to a use restriction or obligation — and expressly including “an association of co-owners as that term is defined in section 3 of the condominium act.” Section 1a(c) then provides that “person includes a property owners' association.” Section 3(4)(c) lets the association record the notice of claim.

So the work is one filing by one entity, not hundreds by hundreds.

What a board with an old declaration should actually do

  1. Find the recording date of the original declaration, not the date of the most recent amendment. The carve-out at 4(1)(g) turns on when the instrument creating the interest was executed and recorded. An amendment recorded in 1988 does not move a 1927 declaration across the line by itself, and an opinion, not an assumption, settles whether it does.
  2. Check whether an amended and restated declaration was recorded after 1950. Where a set of covenants was wholly restated and re-recorded, the restatement is a post-1950 recorded instrument and the analysis changes. This is the single most common way a nominally pre-war association turns out to be safe.
  3. If the association is unincorporated, confirm it fits the new definition — it likely does, because 1a(d) was drafted to reach exactly that case, but the recording officer will want the authority to be legible on the face of the notice.
  4. Record well before September 2027. Register of deeds rejections for formatting are routine and a rejected filing on 28 September 2027 is a missed deadline.

The cost of missing it

Extinguishment is not a technicality. If the restrictions go, so does the enforceable basis for architectural control, use restrictions, setbacks, and in many older subdivisions the assessment obligation itself. An association whose covenants are extinguished does not become a weaker association; in most cases it stops being one.

One thing not to rely on

PA 13 also added section 5a, which closes a loophole boards have leaned on for years. An instrument that references an interest “for the sole purpose of limiting the warranty” is not an effective notice of claim — so the boilerplate “subject to easements and restrictions of record” recital in an owner's deed preserves nothing. That is covered separately.

What to watch next

Nothing in Lansing; the deadline is fixed and the exemptions are permanent. The thing to watch is county-level: whether registers of deeds in the counties with the most pre-war platted subdivisions publish filing guidance before the 2027 rush.

Related Michigan HOA Topics

← All Michigan HOA Topics

  1. 2025 PA 13 (House Bill 4524) — enrolled act text amending the Marketable Record Title Act
  2. House Bill 4524 of 2025 — bill record, votes and history
  3. MCL 565.101 — Marketable Record Title Act, with amendment history

Stay on top of Michigan HOA law

Every week: new Michigan legislation, court rulings, and regulatory developments affecting condos, planned communities, and property managers. Free.

Check your inbox to complete your sign up.

No spam. Unsubscribe anytime.