United States / Florida
Florida reserves, budgets, and disclosure rules.
Everything we publish for Florida: the state's reserve and disclosure rules in plain language, budget guides for boards, owners, and buyers, and snapshots of specific communities where we have something concrete to say.
Guides
How to read a budget, reserve study, and disclosure
How to review an HOA budget before you buy
A buyer-first guide to the budget lines, reserve clues, and document requests that matter before you commit to any HOA.
GuideWhat HOA board members should collect before running reserve scenarios
A board-first checklist for the minimum financial inputs required before an HOA scenario tool can tell the truth.
Playbooks
Ready-to-send questions for owners and buyers
Florida HOA documents to request before you close
A buyer-first checklist and ready-to-send email for getting the budget, reserve, estoppel, and board records you need before buying in a Florida HOA.
Owner playbookQuestions to ask your Florida HOA board about reserves
A plain-language question list and ready-to-send email for Florida HOA owners who want to understand what their board is doing with reserves under Chapter 720 — and why the Surfside condo rules don't apply.
Reserve laws
Florida's reserve and disclosure rules in plain language
Florida condominium reserve funding rules, in plain language
How Florida's Chapter 718 condominium statute actually handles reserves — through a default budget framework, a member-vote waiver mechanism for some reserves, and the post-Surfside Structural Integrity Reserve Study regime that makes certain reserves non-waivable — and what all of that means for a board, owner, or buyer.
LawFlorida HOA reserve funding rules, in plain language
How Florida Statutes Chapter 720 actually handles HOA reserves, why they are elective rather than mandatory, and what that means for a board, owner, or buyer making a real decision.
Communities
Snapshots of specific Florida HOAs
900 Biscayne Bay — Miami, FL community profile
Community profile for 900 Biscayne Bay in Miami, Florida — a 516-unit luxury waterfront tower with full-service spa, resort pools, and bay views.
HOABerkman Plaza — Jacksonville, FL community profile
Community profile for Berkman Plaza in Jacksonville, Florida — a 206-unit riverfront high-rise downtown with marina access and full-service concierge.
HOABoca West Country Club — Boca Raton, FL community profile
Community profile for Boca West Country Club in Boca Raton, Florida — a 1,400-acre private country club community with 3,400+ homes across 55 villages, four golf courses, and resort-scale amenities.
HOABrickell Heights — Miami, FL community profile
Community profile for Brickell Heights in Miami, Florida — a 690-unit twin-tower luxury condo with Equinox gym, SoulCycle, and rooftop sky pool.
HOACityPlace South Tower — West Palm Beach, FL community profile
Community profile for CityPlace South Tower in West Palm Beach, Florida — a 421-unit high-rise by Related Group with infinity pool and Rosemary Square access.
HOAClearwater Point — Clearwater, FL community profile
Community profile for Clearwater Point in Clearwater, Florida — a 400+ unit beachfront complex across nine buildings on the southern tip of Clearwater Beach.
HOAHarbour Island — Tampa, FL community profile
Community profile for Harbour Island in Tampa, Florida — a master-planned waterfront neighborhood with 600+ condos and townhomes across multiple buildings, plus resort amenities.
HOAIcon Brickell — Miami, FL community profile
Community profile for Icon Brickell in Miami, Florida — a 1,718-unit luxury waterfront complex on Brickell Avenue with resort-style amenities, three towers, and views of Biscayne Bay.
HOAIsland Estates — Clearwater, FL community profile
Community profile for Island Estates in Clearwater, Florida — a waterfront neighborhood of 2,000+ homes and condos on two man-made barrier islands between Clearwater Beach and the mainland.
HOALas Olas River House — Fort Lauderdale, FL community profile
Community profile for Las Olas River House in Fort Lauderdale, Florida — a 285-unit luxury high-rise overlooking the New River with 60,000 sq ft of amenities.
HOAOne Watermark Place — West Palm Beach, FL community profile
Community profile for One Watermark Place in West Palm Beach, Florida — a 48-unit ultra-luxury boutique tower with private marina, Intracoastal views, and full-service concierge.
HOAParaiso Bayviews — Miami, FL community profile
Community profile for Paraiso Bayviews in Miami's Edgewater neighborhood — a 396-unit waterfront condo with rooftop infinity pool, tennis, and marina access.
HOAPark Shore — Naples, FL community profile
Community profile for Park Shore in Naples, Florida — a 700-acre beachfront neighborhood with 4,190+ homes, 25 high-rise towers, and over a mile of Gulf frontage.
HOAPelican Bay — Naples, FL community profile
Community profile for Pelican Bay in Naples, Florida — a 2,330-acre community with 6,800 homes, 3 miles of private Gulf beach, and 95 residential sub-associations.
HOAPoint of Americas — Fort Lauderdale, FL community profile
Community profile for Point of Americas in Fort Lauderdale, Florida — a 580-unit oceanfront twin-tower complex on 10 private beachfront acres.
HOAReunion Resort — Orlando, FL community profile
Community profile for Reunion Resort in Kissimmee, Florida — a 2,300-acre resort community with three signature golf courses, water park, and homes from condos to 14-bedroom estates.
HOARivo at Ringling — Sarasota, FL community profile
Community profile for Rivo at Ringling in Sarasota, Florida — a 106-unit luxury high-rise with a unique interior conservatory atrium on Ringling Boulevard.
HOATownsend Place — Boca Raton, FL community profile
Community profile for Townsend Place in Boca Raton, Florida — a 194-unit luxury condo with two towers overlooking the Boca Raton Resort golf course.
HOATowers of Channelside — Tampa, FL community profile
Community profile for Towers of Channelside in Tampa, Florida — a 257-unit twin-tower luxury condo with resort-style amenities in the Channel District.
HOAVista Cay Resort — Orlando, FL community profile
Community profile for Vista Cay Resort in Orlando, Florida — an 800-unit gated vacation community near Universal with short-term rental capability.
HOAVue Sarasota Bay — Sarasota, FL community profile
Community profile for Vue Sarasota Bay in Sarasota, Florida — a 141-unit luxury waterfront high-rise with panoramic bay views and Westin hotel amenity access.
Next step
Ready to put a specific Florida HOA against these rules?
Pick the option that fits and we'll start the request with the state already filled in.