Florida HOA & Condo Laws

Florida has separate statutes for HOAs (Chapter 720) and condominiums (Chapter 718). Both require estoppel certificates with strict fee caps and 30-day validity periods. Florida law includes detailed requirements for board meetings, elections, financial reporting, and assessment collection.

Key Statutes

Fla. Stat. §718.116

Estoppel Certificates — Condominium Act

Florida's Condominium Act requires 19 disclosure items in estoppel certificates. Buyers have 15 days to rescind. Certificates valid for 30 days.

19 disclosure items

Fla. Stat. §720.30851

Estoppel Certificates — HOA Act

Florida's HOA Act requires 19 disclosure items in estoppel certificates. Certificates are valid for 30 days. Fee caps: $299 standard, $179 delinquent, $100 expedited.

19 disclosure items

Legal Facts by Category

Assessment · 12

Assessment paid-through date and next assessment due date Fla. Stat. §718.116 (8)(a)

All assessments, fees, and charges levied against the unit, itemized Fla. Stat. §718.116 (8)(b)

Approved special assessments that are scheduled to be levied Fla. Stat. §718.116 (8)(c)

Assessments to be levied against the unit in the next 12 months Fla. Stat. §718.116 (8)(d)

Capital contribution or transfer fees due upon sale or transfer Fla. Stat. §718.116 (8)(e)

Other fees payable by the unit owner to the association Fla. Stat. §718.116 (8)(f)

Assessment paid-through date and next assessment due date Fla. Stat. §720.30851 (1)(a)

All assessments, fees, and other charges levied against the parcel, itemized Fla. Stat. §720.30851 (1)(b)

Approved special assessments that are scheduled to be levied Fla. Stat. §720.30851 (1)(c)

Assessments to be levied against the parcel in the next 12 months Fla. Stat. §720.30851 (1)(d)

Capital contribution or transfer fees due upon sale or transfer Fla. Stat. §720.30851 (1)(e)

Other fees payable by the parcel owner to the association Fla. Stat. §720.30851 (1)(f)

Compliance · 2

Pending litigation to which the association is a party Fla. Stat. §718.116 (8)(n)

Pending litigation to which the association is a party Fla. Stat. §720.30851 (1)(n)

Disclosure · 6

Other associations or entities serving the property Fla. Stat. §718.116 (8)(j)

Parking space or storage unit designation for the unit Fla. Stat. §718.116 (8)(q)

Certificate validity period and preparation date Fla. Stat. §718.116 (9)

Other associations or entities serving the property Fla. Stat. §720.30851 (1)(j)

Parking space designation for the parcel Fla. Stat. §720.30851 (1)(q)

Certificate validity period and preparation date Fla. Stat. §720.30851 (2)

Enforcement · 2

Outstanding violations of record against the unit Fla. Stat. §718.116 (8)(g)

Outstanding violations of record against the parcel Fla. Stat. §720.30851 (1)(g)

Financial · 4

Current year operating budget Fla. Stat. §718.116 (8)(m)

Most recent financial report or balance sheet Fla. Stat. §718.116 (8)(p)

Current year operating budget Fla. Stat. §720.30851 (1)(m)

Most recent financial report or balance sheet Fla. Stat. §720.30851 (1)(p)

Governance · 8

Whether board approval is required for transfer of the unit Fla. Stat. §718.116 (8)(h)

Right of first refusal and whether it has been exercised Fla. Stat. §718.116 (8)(i)

Declaration, articles, bylaws, rules, and all amendments Fla. Stat. §718.116 (8)(o)

Restrictions on use, lease, or rental of the unit Fla. Stat. §718.116 (8)(r)

Whether board approval is required for transfer of the parcel Fla. Stat. §720.30851 (1)(h)

Right of first refusal and whether it has been exercised Fla. Stat. §720.30851 (1)(i)

Declaration, articles, bylaws, rules, and all amendments Fla. Stat. §720.30851 (1)(o)

Restrictions on use, lease, or rental of the parcel Fla. Stat. §720.30851 (1)(r)

Insurance · 2

Insurance coverage description and contact information for insurance agent Fla. Stat. §718.116 (8)(k)

Insurance coverage description and contact information for insurance agent Fla. Stat. §720.30851 (1)(k)

Reserves · 2

Amount of reserves and designation for specified projects Fla. Stat. §718.116 (8)(l)

Amount of reserves and designation for specified projects Fla. Stat. §720.30851 (1)(l)

Legal references last verified March 9, 2026. This content is educational and informational. It does not constitute legal advice. Consult a licensed attorney in your state for legal guidance specific to your situation.