Extract data from HOA documents

HOA and strata documents are the rulebook and the ledger of a shared-ownership community. The set usually runs to the recorded CC&Rs (covenants, conditions, and restrictions), the bylaws, the board-adopted rules, and the assessment notices, and together they decide what an owner can build, what they can park, what pets they can keep, and what they owe each month. A buyer in escrow, a mortgage lender, and a property manager taking over a book of communities all have to read them, because a restriction or a pending special assessment discovered after closing is a dispute waiting to happen. Larkspur Ridge Homeowners Association governs 248 units under its recorded CC&Rs. There is no single standard behind these documents, so a California association under the Davis-Stirling Act (Civil Code 4000) reads nothing like a British Columbia strata corporation under the Strata Property Act, and both differ from a Florida condominium declaration. The restrictions sort into categories, architectural, use, animal, commercial, exterior, and parking, and the fees sort into their own, maintenance dues, reserve contributions, special assessments, and improvement charges. The recorded CC&Rs carry a record_date and an amendment history, while the board rules take effect on adoption without recording. A 385 USD monthly maintenance assessment and a one-time 1,200,000 USD special assessment for a roof-replacement reserve project are different fee_type entries that a reader must not confuse. Talonic reads the document and returns the hoa_name, the document_type, the governing_law, the monthly_fee, and the fee_type as fields, with the covenants_restrictions, the amendments, the fees_assessments, and the board_members as tables. A CC&R restriction on exterior paint colors, a parking rule limiting each unit to two vehicles, and a special assessment each land in their own row with an effective_date parsed to ISO 8601. Monetary amounts are typed as numbers in USD, and the 248-unit count and registration number are captured for the community record. Talonic structures the document as written and does not rule on whether a covenant is enforceable against a given owner.

What gets extracted from HOA documents

How extraction works for HOA documents

HOA and strata documents arrive as recorded CC&R booklets, board-meeting packets, and assessment notices, with no shared layout across jurisdictions. Talonic classifies the document and maps it to the community-governance schema in the Field Registry, separating the recorded covenants from the board-adopted rules and the assessment ledger, so hoa_name, document_type, restriction_type, monthly_fee, and fee_type each resolve to a field while covenants_restrictions, fees_assessments, amendments, and board_members return as tables. Each restriction is tagged with its category, architectural, use, animal, commercial, exterior, or parking, and each fee with its type, so a 385 USD monthly maintenance charge is never merged with a 1,200,000 USD special assessment. Amounts are typed as numbers in USD, the record_date, effective_date, and approval_date parse to ISO 8601, and every value returns with a confidence score and a pixel-region pointer under DIN SPEC 91491 so a buyer's agent can verify a restriction against the recorded page. Talonic captures the governing text as written and does not decide whether a covenant binds a particular owner.

Sample extraction

A recorded CC&R document with a special assessment and an amendment

{
  "document_number": "CCR-LR-2019-0415",
  "document_date": "2019-04-15",
  "document_type": "ccrs",
  "property.address": "1 Larkspur Ridge Dr",
  "property.city": "Roseville",
  "property.state": "CA",
  "property.zip_code": "95661",
  "property.country": "USA",
  "hoa_name": "Larkspur Ridge Homeowners Association",
  "hoa_registration_number": "C-2288041",
  "total_units": 248,
  "governing_law": "California Davis-Stirling Act (Civil Code 4000)",
  "effective_date": "2019-05-01",
  "approval_date": "2019-04-10",
  "record_date": "2019-04-15",
  "monthly_fee": 385,
  "fee_type": "maintenance",
  "total_amount": 1200000,
  "currency": "USD",
  "signatory.name": "Gregory Hahn",
  "signatory.title": "Board President",
  "covenants_restrictions": [
    {
      "covenant_id": "CR-1",
      "restriction_type": "exterior",
      "restriction_description": "Exterior paint limited to the approved earth-tone palette; changes require Architectural Committee approval",
      "effective_date": "2019-05-01",
      "expiration_date": null
    },
    {
      "covenant_id": "CR-2",
      "restriction_type": "parking",
      "restriction_description": "No more than two vehicles per unit; no commercial vehicles or RVs in driveways overnight",
      "effective_date": "2019-05-01",
      "expiration_date": null
    }
  ],
  "fees_assessments": [
    {
      "fee_id": "F-1",
      "fee_type": "maintenance",
      "monthly_fee": 385,
      "total_amount": 4620,
      "currency": "USD",
      "effective_date": "2026-01-01",
      "due_date": null
    },
    {
      "fee_id": "F-2",
      "fee_type": "special",
      "monthly_fee": null,
      "total_amount": 1200000,
      "currency": "USD",
      "effective_date": "2026-07-01",
      "due_date": "2026-09-30"
    }
  ],
  "amendments": [
    {
      "amendment_number": "A-3",
      "amendment_date": "2024-06-18",
      "amendment_description": "Added a short-term rental restriction limiting leases to a 30-day minimum",
      "effective_date": "2024-07-01"
    }
  ],
  "board_members": [
    {
      "member_id": "B-1",
      "member_name": "Gregory Hahn",
      "title": "President",
      "term_start_date": "2025-01-01",
      "term_end_date": "2026-12-31"
    }
  ]
}

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