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A majority of your neighbours can vote the whole community into a city — and you get 14 days

A majority of your neighbours can vote the whole community into a city — and you get 14 days
Missouri · Legislation

A majority of your neighbours can vote the whole community into a city — and you get 14 days

What happened. Missouri rewrote its annexation statutes in 2026, and in doing so carried forward a provision most Missouri boards have never heard of: an unincorporated condominium, planned community or cooperative can be annexed into a city on a request signed by its governing body and approved by a majority vote of unit owners — not by the unanimous consent of every fee owner that an ordinary voluntary-annexation petition requires.1

The 2026 bill is House Bill 2818, official designation CCS SS SCS HB 2818, signed by the Governor on 13 July 2026 and effective 28 August 2026. It repealed sections 71.012, 71.014 and 71.015 and enacted new 71.012 and 71.015. Section 71.014 is repealed outright and not replaced.

The provision itself

From section 71.012.2(1), as enacted:

“When a notarized petition, requesting annexation and signed by the owners of all fee interests of record in all tracts of real property located within the area proposed to be annexed, or a request for annexation signed under the authority of the governing body of any common interest community and approved by a majority vote of unit owners located within the area proposed to be annexed is presented to the governing body of the city, town or village, the governing body shall hold a public hearing concerning the matter not less than fourteen nor more than sixty days after the petition is received… For the purposes of this subdivision, the term 'common-interest community' shall mean a condominium as said term is used in chapter 448, or a common-interest community, a cooperative, or a planned community.”

And the definitions that decide whether a community is inside it:

“(a) A 'common-interest community' shall be defined as real property with respect to which a person, by virtue of such person's ownership of a unit, is obliged to pay for real property taxes, insurance premiums, maintenance or improvement of other real property described in a declaration. 'Ownership of a unit' does not include a leasehold interest of less than twenty years in a unit, including renewal options;

(b) A 'cooperative' shall be defined as a common-interest community in which the real property is owned by an association, each of whose members is entitled by virtue of such member's ownership interest in the association to exclusive possession of a unit;

(c) A 'planned community' shall be defined as a common-interest community that is not a condominium or a cooperative. A condominium or cooperative may be part of a planned community.”

That definition is deliberately wide. An obligation, arising from unit ownership under a declaration, to pay for taxes, insurance, maintenance or improvement of other real property is the definition of an assessment. Virtually every Missouri subdivision association and condominium fits.

This is not new in 2026 — and that is the point

We want to be precise about provenance, because it changes how a board reads this. The official House summary of CCS SS SCS HB 2818 lists the bill's changes as: a St. Charles County perimeter-contiguity rule, a Jefferson County perimeter-contiguity rule with a cooling-off restriction, the St. Joseph airport annexation, and the repeal of section 71.014. The common-interest-community route is not among them.

It is standing Missouri law, carried forward. The news value is not that the legislature created it this year. It is that it exists, it survived a full rewrite of the section, and most boards do not know it is there.

What did change, and where

“(5) For a city, town, or village in a county with more than four hundred thousand but fewer than five hundred thousand inhabitants, the term 'contiguous and compact' shall include a situation whereby the unincorporated area proposed to be annexed is contiguous to the annexing city, town, or village by at least eighteen percent of the length of the perimeter of the area proposed for annexation.

(6) For a city, town, or village in a county with more than two hundred thousand but fewer than two hundred thirty thousand inhabitants, the term 'contiguous and compact' shall include a situation whereby the unincorporated area proposed to be annexed is contiguous to the annexing city, town, or village by at least twenty-five percent of the length of the perimeter of the area proposed for annexation. No such city, town, or village shall annex an unincorporated area contiguous to any unincorporated area annexed by the city, town, or village within the last twenty-four months.”

The official House summary identifies (5) as St. Charles County and (6) as Jefferson County. Subsection (8) lets a city of 71,000–79,000 that owns an airport outside its limits annex the airport regardless of contiguity; the summary identifies that as St. Joseph.

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What the majority-vote route actually means for an owner

Consider the ordinary case. A city wants to annex an unincorporated subdivision on its edge. Under the standard voluntary route it needs a notarised petition signed by the owners of all fee interests of record in the area. One holdout ends it.

Under the common-interest-community route, the association's governing body signs the request and a majority of unit owners approves it. There is no unanimity requirement, no supermajority, and — on the face of the statute — no prescribed procedure for how that majority vote is taken. The declaration and Chapter 355 supply the meeting and voting mechanics, as they do for everything else in Missouri association governance.

The consequence is city property tax, city codes, city inspections, city services and city jurisdiction over every lot, brought about by a simple majority of the community.

The 14-day objection is the whole leverage

“(3) If a written objection to the proposed annexation is filed with the governing body of the city, town or village not later than fourteen days after the public hearing by at least five percent of the qualified voters of the city, town or village, or two qualified voters of the area sought to be annexed if the same contains two qualified voters, the provisions of sections 71.015 and 71.860 to 71.920, shall be followed.”

Read that threshold again: two qualified voters in the area proposed for annexation. Two. Filing written objection within 14 days after the public hearing forces the whole matter out of the fast voluntary track and into sections 71.015 and 71.860 to 71.920 — the contested route, with a declaratory-judgment action the city must bring and an election.

So the structure is: a bare majority of unit owners can start it, and two voters can convert it into a contested proceeding. Both numbers are small, and the deadline on the second one is 14 days from a public hearing that the statute allows to be held as soon as 14 days after the petition is filed.

And then a five-year clock closes

“5. Any action of any kind seeking to deannex from any city, town, or village any area annexed under this section, or seeking in any way to reverse, invalidate, set aside, or otherwise challenge such annexation or oust such city, town, or village from jurisdiction over such annexed area shall be brought within five years of the date of adoption of the annexation ordinance.”

We note for accuracy that the repealed section 71.014 contained an identical limitation, so this may be a carry-forward rather than a new bar; we did not retrieve the prior version of section 71.012 to establish which. Either way it is the law now.

What a board can do

  1. Find out whether the community is unincorporated. This route only matters for a community outside municipal limits. In St. Louis County's patchwork of 80-plus municipalities and unincorporated pockets, in St. Charles County, and along the Jefferson County and Franklin County edges, that question has a non-obvious answer for a lot of subdivisions.
  2. Treat an annexation request as a major action requiring a documented vote. The statute says “signed under the authority of the governing body” and “approved by a majority vote of unit owners.” It does not say how notice is given, what quorum applies, or whether proxies count. Those come from the declaration and Chapter 355. A board that signs an annexation request on a thin record has created a five-year window in which the annexation can be challenged — and a permanent grievance among the minority.
  3. Tell members about the 14 days in advance, not afterwards. An owner who opposes annexation and learns about the objection right on day 20 has no remedy. If the board is pursuing annexation, the honest disclosure includes the fact that two qualified voters can force an election.
  4. Price it before voting. Annexation usually trades association-funded services for municipal ones — street maintenance, street lighting, trash, snow removal, code enforcement. Some of that is genuine relief for a subdivision trustee board whose indenture obliges it to maintain private streets it cannot afford. Some of it is a tax increase for services members already pay assessments for. The comparison is specific to the community and the city, and it is a budget exercise, not a philosophical one.
  5. In St. Charles and Jefferson counties, expect more approaches from 28 August 2026. A perimeter-percentage test — 18 percent and 25 percent respectively — is materially easier for a city to satisfy than traditional contiguous-and-compact geometry. Unincorporated subdivisions in those two counties are more annexable than they were last month. Jefferson County gets one brake: no annexation of an area contiguous to an area the same city annexed in the previous 24 months.

One route fewer

Section 71.014 — the alternate petition-based annexation procedure for cities in a county bordering a first-class charter county of more than 650,000 inhabitants — is repealed outright, including its own five-year limitation. A board that has been advised about annexation under that section in the past should know the section no longer exists.

What to watch next

Whether any Missouri city uses the common-interest-community route in the St. Charles or Jefferson County perimeter-rule areas in the next annexation cycle. The two changes compose: a city that could not previously satisfy contiguous-and-compact can now do so with 18 or 25 percent of the perimeter, and it needs only a majority of the community's unit owners rather than every fee owner. We found no Missouri municipality that has done it yet.

Related Missouri HOA Topics

← All Missouri HOA Topics

  1. CCS SS SCS HB 2818 (2026), truly agreed and finally passed text — §§ 71.012, 71.015, RSMo
  2. Official House summary of CCS SS SCS HB 2818 (2026) — identifies the affected counties
  3. Missouri Senate, Governor's Action on Truly Agreed Bills, 2026 Regular Session

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