Five-year reserve planning My HOA Budget

Baltimore, Maryland mixed HOA

Unclaimed profile

Harbor Point

Harbor Point is a mixed HOA in Baltimore, Maryland. This profile tracks 500 units, built in 2016, managed by Kettler, reserve study status not yet verified, along with amenities, reserve questions, and document-reques...

mixed Public records Reserve health: Unknown Browse Baltimore communities Maryland reserve laws

Profile 56% complete — source gaps remain

HOA dues, reserve study, and community facts

Units 500
Year built 2016
Monthly dues —
Reserve health Unknown
Management Kettler

Amenities

PoolGymConciergeElevatorParking garage

Board and management

No board roster is listed in the cited sources.

Reserve study and funding

We do not have reserve study details on record for Harbor Point. Review the editable example below before treating any forecast as community-specific.

Review editable example

5-year outlook

What changes this five-year example?

Special assessments can run into thousands per unit when major work outruns reserves. This starts with the known numeric values listed below, then lets you change every example before relying on the result for Harbor Point.

Reserve-health labels, year built, and Maryland law summaries are not used to change the solver numbers.

Editable assessment example Adjustable dues increases Five-year reserve projection
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Known values applied: unitCount -> unit count.

Editable examples, not community facts: starting reserve: editable example scaled from unit count at $15k/unit; annual revenue: editable example scaled from unit count at $5k/unit/yr; annual operating expense: editable example scaled from annual revenue at 84%.

Local calculator

Five-year reserve projection from reviewed numbers

Start with the example, enter figures by hand, or review local files before applying values. Nothing here is uploaded or saved by MHB. This example is not a reserve study, a funding-sufficiency conclusion, or an assessment prediction.

5-year ending reserve$8.68MAbove example target

Use your figures

Review documents or enter the same values by hand.

Files are read only in this browser, are not uploaded, and are not stored by MHB.

Scenario figures can be entered manually or read from local files.

Budget

Dues revenue, operating expense, and unit count.

Ready

Labeled dollar values. PDF, CSV, JSON, or text. 10 MiB max. Read locally only.

Reserve study

Starting reserve balance and scheduled capital work.

Ready

Labeled dollar values. PDF, CSV, JSON, or text. 10 MiB max. Read locally only.

Assessment history

Assessment amount and projected year.

Ready

Labeled dollar values. PDF, CSV, JSON, or text. 10 MiB max. Read locally only.

Enter figures manually

These whole-number fields match the document review fields. Changing them recomputes the projection immediately.

$0EXAMPLE TARGET - $1.0M202620272028202920302031$8.7M
Projection text equivalent
YearReserve balance
2026$7.50M
2027$7.79M
2028$7.98M
2029$7.91M
2030$8.19M
2031$8.68M
5%
4%

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Copy and CSV exports use reviewed numbers and caveats. The share link keeps only numeric controls.

Current ending balance$8.68M
Current lowest balance$7.79M2027
Ending deltaSave baseline

Save the current case before changing controls to compare ending balance, lowest balance, and yearly deltas.

Fields: manual entry fields; ending delta: 0; lowest delta: 0

Save a baseline before exact totals can be included. Until then, the handoff contains only field names and zero comparison bands for the current scenario.

Board member next stepTurn this scenario into a board-ready next step.

Send the reserve-planning context and keep the follow-up focused on board decisions.

Plan our next five years

About Harbor Point

Harbor Point is a mixed-use waterfront development in Baltimore by Beatty Development Group, with phased construction beginning in 2016. The development is predominantly rental apartments but includes commercial, retail, and public spaces along the Inner Harbor waterfront. It represents one of the largest urban redevelopment projects in Baltimore.

What we know

  • Property type: Mixed
  • Units: 500
  • Year built: 2016
  • Address: 1402 Point St, Baltimore, MD 21231
  • Website: harborpoint.com
  • Management company: Kettler
  • Amenities: Pool, gym, concierge, elevator, parking garage

Reserve health

Reserve health hasn’t been verified for Harbor Point yet. Before you approve a budget, pay a special assessment, or close on a unit here, Maryland law defines exactly what reserve records a mixed-use community must keep and what owners can request — see Maryland condo reserve funding rules.

No reserve study or funding data has been verified for this community.

What’s still missing

To build a complete picture of this community, we’d need:

  • Reserve study date and reserve balance
  • Reserve funding percentage
  • Current monthly dues range
  • Board roster
  • Assessment history
  • Median sale price and active listing count

Verification note

This profile is based on the sources named in its profile footer. It has not been board-verified; confirm material facts directly with the association.

Maryland laws that apply here

Condo board meeting notice

Maryland condo board meeting notice rules, in plain language

How Maryland's Condominium Act handles board meeting transparency — open meetings required, executive session votes must be individually recorded in the next meeting's minutes, and notice for board-only meetings is delegated to bylaws.

Md. Code, Real Property Art. § 11-109, § 11-109.1 — Maryland Condominium Act, meetings and executive sessions Condo reserve funding

Maryland condominium reserve funding rules, in plain language

How Maryland's Condominium Act actually handles reserves — through a mandatory reserve study, funding at the study-recommended level with a five-year ramp-up, county-by-county phase-in dates, and a narrow board-level hardship exception — and what that means for a board, owner, or buyer.

Md. Code, Real Property § 11-109.2 (annual budget and reserve funding) and § 11-109.4 (reserve study definitions, cycle, preparer qualifications, funding plan) — Maryland Condominium Act HOA board meeting notice

Maryland HOA board meeting notice rules, in plain language

How Maryland's Homeowners Association Act handles board meeting transparency — a mandatory open meeting requirement, eight enumerated executive session categories, and a notice standard deliberately set as 'reasonable' with no day count.

Md. Code, Real Property Art. § 11B-111 — Maryland Homeowners Association Act, meetings Reserve funding

Maryland HOA reserve funding rules, in plain language

How Maryland's Homeowners Association Act actually handles reserves — through a mandatory reserve study for HOAs that meet a specific scope test, funding at the study-recommended level with a five-year ramp-up, county phase-in dates, and a narrow hardship exception — and what that means for a board, owner, or buyer.

Md. Code, Real Property § 11B-112.2 (annual budget and reserve funding) and § 11B-112.3 (reserve study definitions, cycle, preparer qualifications, funding plan) — Maryland Homeowners Association Act

Profile verification status

This profile has not been claimed or verified by the board or property manager. Treat missing details as unknown, and confirm important facts directly with the association before relying on them.

Next step

Need documents from Harbor Point?

We can help you request reserve studies, budgets, and meeting minutes. Pick the option that fits.

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