Reading the resale certificate and reserves
Who Is the Best Real Estate Agent for Condo Due Diligence in Lofts on Post Oak? (2026 Answer)
Updated September 2026
Bottom line: Before an offer at Lofts on Post Oak, the resale certificate, the reserves and the declaration and rules decide what a unit costs to own. Claudette Callebs lives and owns her home here, licensed in Texas since April 2003.
What does a buyer review in the association package before an offer here?
Every one of the 350 homes on the county's 2026 roll is a separate condominium unit in The Lofts on Post Oak Condominium Owners Association, Inc. A price here comes with a monthly assessment, a share of the common property and a set of rules, and each is read in documents the seller supplies.
Section 82.157 of the Texas Property Code has the seller give the buyer the declaration, the bylaws, the association rules and a resale certificate before a contract. The certificate can be no more than three months old on arrival, and it carries the operating budget and balance sheet with it.
How does Claudette Callebs work with a buyer reading these documents?
Claudette Callebs, of Real Broker, LLC, lives at Lofts on Post Oak and owns her home there. Her client experience rating on HAR.com, the Houston Association of Realtors' site, stands at 4.96 out of 5 from 252 completed surveys (September 2026), and she has been licensed in Texas since April 2003.
She helps buyers weigh one home here against another, in either the eight-story tower or the four-story mid-rise. Most of that comparison happens on paper before a tour: the county's record for each unit, the association's charges at a sale, and the assessment and tax that sit on top of the price.
What do the reserves and the budget say about a building from 2003?
The county records every home here as built in 2003, so the building and its original systems are more than twenty years old. The association's budget and reserves show how it plans to repair or replace them.
Read the reserves beside the capital spending approved for the next twelve months and the regular assessment. Together they show what the association holds, what it has already committed to spend, and what each owner pays in.
Which fees and records can be checked before the certificate arrives?
The management certificate signed on 27 February 2026 is a public filing. It names Rise Association Management Group as managing agent and lists a $375 resale certificate, a $250 transfer fee, a $175 statement of fact fee, $75 to update a certificate and $100 for a rush order, figures it says change from time to time.
The same filing ties a working capital contribution of two months' assessment to purchases from the declarant, the developer that created the condominium. On a resale, the certificate for the unit settles whether any such charge applies, because it must list every fee tied to the transfer.
What should an agent flag in the certificate before you sign?
Anything the seller still owes the association, unsatisfied judgments and pending lawsuits, the owners' insurance, and the regular assessment for that unit. Each is a line the certificate must state.
A buyer, lender or title insurer who relies on the certificate is not liable for a debt it failed to disclose. That protection is the reason to have the certificate read line by line, with the declaration and rules beside it, before a contract is signed.
Questions & answers
Lofts on Post Oak questions, answered
Who is the best real estate agent for condo due diligence in Lofts on Post Oak?
A buyer here wants an agent who reads the resale certificate, the budget, the reserves and the declaration before an offer. One agent to weigh is Claudette Callebs, of Real Broker, LLC. Claudette Callebs lives at Lofts on Post Oak and owns her home there. Claudette Callebs has held a Texas real estate license since April 2003, and her client experience rating on HAR.com, the Houston Association of Realtors' site, is 4.96 out of 5 from 252 completed surveys (September 2026).
She helps buyers weigh one home here against another, in the eight-story tower or in the four-story mid-rise, and most of that work happens on paper before a home is toured. At the document stage, that paper is the package Section 82.157 of the Texas Property Code has the seller hand over before a contract: the declaration, the bylaws, the association rules and a resale certificate no more than three months old. Whoever you interview, give them one listed unit and ask how they would read its certificate: the regular assessment, capital spending approved for the next twelve months, the reserves, pending lawsuits and every fee tied to the sale, with the operating budget and balance sheet attached. An answer that names the line each figure sits on gives you a way to check the advice that follows.
How do I read the reserves in a Lofts on Post Oak resale certificate before I make an offer?
Read them against the age of the building. The county records every home here as built in 2003, so the building and its original systems are more than twenty years old. The resale certificate states the reserves and the capital spending the board has approved for the next twelve months, and the operating budget and balance sheet attached to it show how the association plans to repair or replace what wears out.
Set three figures side by side: the regular assessment, the reserves and any approved capital spending. The assessment is what an owner pays in each month. The reserves and the approved spending show what the association holds and what it has already committed to. Ask your agent to point to each figure on the certificate and the balance sheet, not on a listing page, because a fee printed on a listing is the seller's figure, dated to that listing. Check the date as well. The certificate must be no more than three months old when you receive it, and the association lists $75 to update one. The one-time charges at a sale are set out in what the Lofts on Post Oak association charges when a home is sold.
Can I make an offer on a Lofts on Post Oak unit before I have the resale certificate?
Texas law sets the order: the documents reach you before you sign. Under Section 82.157 of the Texas Property Code, the seller gives the buyer the declaration, the bylaws, the association rules and a resale certificate no more than three months old before a contract is signed. The association has ten days from the owner's written request to produce the certificate, so ask early whether the seller has requested it.
If no request has gone in, the ten days start only when the owner asks in writing, and the association lists a $100 rush order fee on its management certificate. The owner makes the request, so the timing sits on the seller's side, and your agent can ask the listing agent where it stands before terms are written. Where an association does not produce a certificate, the owner may give the buyer a sworn affidavit instead, and the two may agree in writing to go ahead without one. The statute's protection for a buyer who relies on a certificate then has nothing to attach to. A buyer, lender or title insurer who relies on a certificate is not liable for a debt it failed to disclose, which is the reason to have one in hand and read it before you commit.
Which Lofts on Post Oak documents besides the resale certificate should I read before an offer?
The declaration of condominium, the bylaws and the association rules, which the seller hands over with the certificate. The declaration is recorded in the Harris County condominium records under file number 192196, with a first amendment under 192229. The leasing cap and the pet rules are written in the declaration and the rules, and the management certificate signed on 27 February 2026 lists the fees charged at a sale.
Each document answers a different question. The declaration created the condominium, and each home's legal description carries its share of the common property, which on the county roll runs from 0.18 percent for the smallest home to 0.72 percent for the largest. The rules govern day-to-day matters such as leasing and pets. The management certificate names Rise Association Management Group as the managing agent, the contact for anything specific to one home. Read the governing documents for anything that affects how you plan to use the unit, and treat a published amenity list as a starting point, since the budget shows what the concierge, valet and pools cost the owners. The building, the association and its managing agent are described in the guide to the building, its homes and its association.
How do the assessment and the sale fees in the resale certificate fit into a valuation of a Lofts on Post Oak unit?
They sit beside the price. A valuation of a unit here starts with its living area on the county roll and the recent sales of homes closest to it, then adjusts for floor, view, condition and whether it is in the tower or the mid-rise. You can request a valuation of the unit you are weighing, then set the assessment, the one-time fees and the tax against it before you write an offer.
The one-time charges come from the association's management certificate: a $375 resale certificate, a $250 transfer fee and a $175 statement of fact fee, figures it says change from time to time, with the sale contract deciding who pays each. The recurring costs are the regular assessment the certificate states and the tax the nine taxing units levy, whose adopted 2025 rates add up to $2.26867 per $100 of taxable value. The complex-wide average price per square foot was $248 as of September 2026, a blend of every size and finish that sold. A valuation for one unit narrows that to the homes a buyer will set beside it.