Pre-Purchase HOA Review for Florida
$199 Flat Fee · 3 Business Day Turnaround
Before you close on a Florida home in an HOA, get a licensed Florida attorney to review the CC&Rs, bylaws, rules, budget, reserves, and estoppel. Know exactly what you are buying into.
Get StartedWhy Review HOA Documents Before Closing in Florida?
Most new Florida residential communities are in an HOA or condo association. Most buyers never read the governing documents. They sign at closing, move in, and discover restrictions they did not expect: no trucks in the driveway, mandatory landscaping vendors, special assessments already approved, or reserves so low that a major assessment is inevitable within a year or two.
By the time you find out, you own the property and you are bound by every rule. A pre-purchase review gives you the information you need to make an informed decision, negotiate better terms, or walk away while you still can.
Florida HOA Disclosure: You Have a 3-Day Window
Under Fla. Stat. §720.401, resale HOA buyers have a 3-business-day right to cancel after receiving the HOA disclosure summary and governing documents. A pre-purchase review fits inside that window.
What Is Included
CC&R Review
Full review of the Declaration of Covenants, Conditions, and Restrictions governing the community.
Bylaws Analysis
Review of association bylaws covering board powers, meeting rules, and member voting rights.
Rules and Regulations
Assessment of community rules on parking, pets, landscaping, architectural standards, and daily living.
Budget and Financials
Review of the current budget, reserve fund status, and any pending or recent special assessments.
Estoppel Certificate Review
Verification of the seller's HOA estoppel: unpaid dues, fines, or pending assessments that could transfer to you at closing.
Red Flag Identification
Specific callouts for litigation history, underfunded reserves, unusual restrictions, or board overreach patterns.
Florida Statute Compliance
Cross-check against Chapter 720 (HOAs) and Chapter 718 (condos) to flag provisions that conflict with Florida law.
Plain-English Summary
A written summary that explains what the documents mean for you as a homeowner, without legal jargon.
How It Works
Submit Your Documents
Upload the HOA governing documents through our secure intake form. In Florida, sellers must provide these under the HOA Disclosure Summary (Fla. Stat. §720.401).
Attorney Review
A licensed Florida attorney reviews every document, cross-references Chapter 720, identifies issues, and prepares your summary within 3 business days.
Receive Your Report
You get a detailed, plain-English report highlighting restrictions that affect daily life, financial health of the association, and any red flags worth raising before closing.
Pre-Purchase HOA Review
$199
Flat fee. No surprises.
- Complete review of all governing documents
- Budget and financial health assessment
- Estoppel certificate review
- Red flag identification
- Plain-English written summary
- 3 business day turnaround
Frequently Asked Questions
What HOA documents should I review before buying a Florida home?
In Florida, sellers must provide the HOA Disclosure Summary, governing documents (Declaration/CC&Rs, Articles of Incorporation, Bylaws, Rules & Regulations), the current budget, and an estoppel certificate showing any unpaid dues or assessments. Under Fla. Stat. §720.401, you have a 3-day right to cancel after receiving these documents in a resale transaction. A pre-purchase review uses that window.
How is this different from a title search?
A title search confirms ownership and identifies liens. It does not tell you the HOA's rules, financial health, or whether a major special assessment is about to hit. Pre-Purchase HOA Review focuses on the substance of the governing documents and association finances — things a title company will not flag.
Can the attorney review estoppel certificates and reserve studies?
Yes. Both are included. We flag unpaid assessments that could transfer to you, missing or stale reserve studies, and any deferred maintenance the budget does not account for.
What is the turnaround time?
Three business days from the time we receive complete documents. If you are under a 3-day Florida HOA disclosure cancellation window, contact us first — we can usually accommodate rush requests.
Is this a flat fee?
Yes. $199 flat fee for the standard review. If the community is unusually complex (master association plus sub-association, mixed-use, age-restricted with extensive add-ons), we will quote a flat-fee adjustment upfront before starting work.
Do you handle condos as well as HOAs?
Yes. The Florida Condominium Act (Chapter 718) is a separate framework with different disclosure rules. We adjust the review scope to match — declaration of condominium, condo bylaws, association financials, reserves, and the FAQ disclosure required for resale condos.
Already Own a Home in an HOA?
If a dispute has already started, see our ProHomeowner™ HOA Dispute Resolution service for demand letters and dispute responses.
View ProHomeowner™ HOA DisputesDo Not Close Without It
$199 flat fee. 3 business day turnaround. Know exactly what the HOA expects before you sign.
Get Started