For Home Buyers

What to check before you buy into a Florida HOA — reserve funds, special assessments, estoppel certificates, milestone inspections, and governing documents.

For: Home buyers

Buying Into a Florida HOA

The due diligence checklist every Florida home buyer needs before closing on a property in an HOA community — documents, finances, red flags, and your legal rights.

What documents to request before closing
How to read a reserve study
Special assessment red flags
Governing documents explained
Verifying the management company

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For: Buyers & Sellers

Florida HOA Estoppel Certificates

What a Florida estoppel certificate is, what it costs, and how long an HOA or condo association has to deliver one — essential reading before you buy or sell.

What an estoppel certificate shows
Statutory fee caps and free re-requests
The 10-business-day delivery deadline
Why it matters at closing

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For: Condo Owners & Buyers

Florida Condo Milestone Inspections & Reserves

Florida's post-Surfside condo safety laws explained — milestone structural inspections, Structural Integrity Reserve Studies (SIRS), and why reserves can no longer be waived.

Which buildings need a milestone inspection
30-year (25 near the coast) inspection timeline
What a SIRS reserve study covers
Why reserves can no longer be waived
What buyers should ask before closing

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