Quick-read Summary (TLDR) Buying HOA-foreclosed properties at auctions in Florida can offer opportunities for knowledgeable investors who properly research properties and understand the legal landscape. However, these purchases carry substantial risks that can result in significant financial losses for unprepared buyers. Superior mortgage liens, joint liability for past assessments, hidden fees, additional liens, and title…
Quick Read Summary (TLDR) Real estate agents can benefit from knowing when to recommend a Florida closing attorney to clients. Even though a closing attorney is not legally required in the State, hiring one can protect client interests and demonstrate a real estate agent’s expertise. Attorneys offer comprehensive legal protection beyond title company services, drafting…
Quick-Read Summary (TLDR) Title insurance in Florida is crucial for real estate transactions, safeguarding against ownership disputes and liens. There are two main types: lender’s insurance, which is mandatory for financing, and owner’s insurance, which is optional but highly recommended for buyer protection. Florida regulates title insurance premiums, which are paid as a one-time fee…
Quick-Read Summary (TLDR) Florida’s new House Bill 913, effective July 1, 2025, significantly overhauls regulations for condominium and cooperative associations, marking the most substantial HOA management changes in decades. The legislation introduces stricter oversight for CAMs (Community Association Managers) and enhances financial transparency, particularly regarding conflicts of interest. It modifies structural safety and reserve funding…
Quick-Read Summary (TLDR) New Florida legislation mandates access to HOA electronic records for associations with 100+ parcels by January 1, 2026, requiring them to maintain specific documents on a secure website or app. Homeowners can request access to these digital records, which must include governing documents, financial statements, and meeting notices. Failure to provide timely…
Quick Read Summary (TLDR) This article explores the fine line between legitimate homeowners association (HOA) enforcement and harassment, particularly under Florida law. HOA harassment often involves repeated, intrusive actions that go beyond fair rule enforcement, such as selective targeting, excessive fines, or invasion of privacy. Discriminatory enforcement, especially against protected classes, constitutes illegal harassment and…
When homeowners suspect their homeowners association (HOA) misconduct including fraud, embezzlement, or commingling of funds, several legal remedies exist to address these serious concerns. Understanding the available options helps homeowners protect their interests and restore proper association management. Statutory Protections and Inspection Rights Florida Statutes Chapter 720 provides homeowners with specific rights to investigate suspected…
In Florida condominium sales, sellers must adhere to a complex set of disclosure requirements designed to protect buyers. For real estate agents and sellers alike, understanding these obligations helps ensure legal compliance while facilitating smooth transactions. Statutory Foundation for Disclosures Florida Statutes Chapter 718, commonly known as the Condominium Act, establishes the primary framework for…
When buying or selling residential real estate in Florida, the choice between a closing attorney and a title agency can significantly impact the transaction’s legal protection and overall service. While both options can facilitate closings, important differences merit careful consideration. Legal Advice vs. Limited Authority The most significant advantage of selecting a closing attorney becomes…
In a move to commemorate its 100th anniversary, the City of Hollywood, Florida has introduced an exciting new program aimed at helping property owners clear outstanding liens. This Lien Amnesty Program, running from March 5, 2025, through December 31, 2025, offers eligible property owners the opportunity to have their property liens reduced by 100%. The…
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