"It's always a bad situation but at least maybe to the extent if there is a remedy for the city to get involved, it could be more considerate than a private investor just motivated by profit," Kim said.
Ronald L. Perl, a partner at the law firm Hill Wallack LLP in New Jersey and former president of Community Associations Institute, said in his 30 years of experience in community association law that he has never heard of a situation like that of Deer Path Woods, in which one person or entity has majority power and decides to terminate the condominium.
Pennsylvania is one of a dozen states that have created state laws based on the Uniform Condominium Act, promulgated by the National Conference of Commissioners on Uniform State Laws. The other states include Washington, New Mexico, Texas, Nebraska, Minnesota, Alabama, and Maine.
The Uniform Condominium Act provides guidance for condominium associations, including that owners of 80 percent or more of condo units can decide to terminate the condominium; those owners would then own a percentage share of the new single parcel of real estate.
Perl said he hopes the National Conference of Commissioners on Uniform State Laws and state legislators will reconsider ways to prevent a situation like that Fusco faces.
"I am troubled by the outcome of this case and think it ought to be looked at," Perl said. "I'm not saying I have an answer, but it raises a question -- is this fair for unit owners who are a minority of a condo under development to be treated like this?"
Fusco could have stayed to rent her apartment plus pay her mortgage, but she refused.
"There was never a question in my mind," she said. "I would not rent from a thief who stole my home. I can't imagine paying rent for everything I already purchased: my own wood and slate floors, beautiful iridescent glass tiles -- everything I enjoy. It would have been too emotional for me."
So Fusco moved out in February and is renting an apartment in Minersville, about an hour's drive north of Reading. The developer said they would write her mortgage company a check for $31,167.98 for her unit, she said.
Beaver and Nice and their clients considered litigation to challenge the appraisal.
"But it would have been an expensive court proceeding to do so," Beaver said. "We would have had to hire an expert appraiser to testify and there's no guarantee the court would side with you."
Fusco said her mortgage company, Chase Home Finance, declined her request to refinance her mortgage because she did not technically own the unit anymore; the developer did.
A spokesman for Chase told ABC News he was looking into Fusco's situation.
Because Fusco does not have $40,000 to pay the remaining amount on her mortgage, Nice has advised her to file for bankruptcy.
"She doesn't have the ability to pay and it will just be a way to allow her to give her breathing room according to bankruptcy rules," he said. It will give her a fresh start after something clearly that is not of her doing."
But damage has already been done to Fusco's credit score. She and Nice agreed that she should stop paying her mortgage once the developer announced he was going to convert the complex to rented apartments.
"My credit card companies are already telling me to cut up my credit cards," Fusco said, due to the missed mortgage payments. Fusco, who had a high credit score previously, had a $10,000 credit line on one credit card.
"If I need a car, I'm going to pay through the nose," she said.
Brendon DeSimone, a real estate expert at Zillow.com, said one lesson to be learned is that people who are considering buying a condo need to ask the property owners or managers what the long-term strategy is for the condos. He also advises that potential buyers be patient when it comes to buying into a development that has more renters than owners.
"I always caution someone buying from a developer without having the balance of apartments sold yet," he said. "I would rather buy resale or the last couple sold."