Florida HOA Laws

Fla. Stat. Chapter 720 (HOA) & Chapter 718 (Condos)

Has HOA Statute

Complete compliance reference for Florida HOA and condo boards. Below you'll find late fee limits, violation notice procedures, reserve study requirements, collection rules, and meeting mandates — all based on current state statutes.

14

Day Cure Period

10

Day Grace Period

2

Day Board Meeting Notice

Yes

Hearing Required

Late Fee Rules

Maximum Flat Fee$25
Maximum Percentage5% of assessment
Cap Typegreater of
Minimum Grace Period10 days
Interest AllowedYes
Max Interest Rate18% per annum

Late fee cannot exceed the greater of $25 or 5% of each installment per Fla. Stat. §720.3085. Interest up to 18% per annum.

Violation Notice Rules

Written Notice Period14 days
Cure Period14 days
Hearing RequiredYes
Hearing Notice14 days advance
Certified MailNot required
Max Fine / Violation$100
Max Fine / Day$100/day
Aggregate Fine Cap$1000
ADR RequiredYes
StatuteFla. Stat. §720.305

Fines capped at $100/violation/day, up to $1,000 aggregate. 14-day notice of hearing required. Fine committee (not the board) must approve fines. Mandatory pre-suit mediation.

Reserve Study Requirements

Study RequiredYes — by state law
FrequencyEvery 10 years
Funding WaivableNo
Budget DisclosureRequired
Visual InspectionRequired
StatuteFla. Stat. §720.303(6) & §718.112(2)(f)

Structural Integrity Reserve Study (SIRS) required for 3+ story buildings every 10 years. Reserve funding for structural components cannot be waived as of 2025.

Collection & Lien Rules

Lien AllowedYes
Min Days Before Lien45 days
Foreclosure AllowedYes
Pre-Lien NoticeRequired
Pre-Lien Notice Period45 days
Payment Plan RequiredNo

Pre-lien notice ("Notice of Intent") required 45 days before recording. Fla. Stat. §720.3085.

Meeting Requirements

Board Meeting Notice2 days
Annual Meeting Notice14 days
Open MeetingsRequired
Minutes AccessibleRequired

48-hour notice for board meetings. 14 days for annual/special meetings. All meetings open to owners.

General Compliance Notes

  • Florida has among the most comprehensive HOA laws in the nation.
  • Post-Surfside reforms strengthened structural inspection requirements.
  • Fine committees must be independent of the board.
  • Owner access to records within 10 business days of request.
  • HOA must maintain official records for at least 7 years.

Legal Disclaimer

This information is for general guidance only and does not constitute legal advice. HOA laws change frequently. Always consult a licensed attorney in Florida for specific legal questions regarding your community.

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