Florida amends its HOA and condominium laws almost every year, effective July 1. We track the changes so you do not have to. Get an email when the law changes.
2025: condos only, with HB 913
HB 913, condominiums and cooperatives (Chapter 2025-175, effective July 1, 2025). The 2025 session left the HOA Act untouched but made real changes for condo and co-op owners, mostly around building safety and reserves:
- The milestone inspection now applies to buildings of three habitable stories or more, so floors used only for parking or mechanical equipment do not count toward the threshold.
- The deadline to complete the initial Structural Integrity Reserve Study (SIRS) was extended to December 31, 2025.
- New flexibility on reserves: after a milestone inspection, an association may pause or reduce reserve contributions for up to two budget years to put money toward the repairs the inspection found, and may fund reserves through a special assessment, line of credit, or loan with owner approval.
- The dollar threshold for separately reserving an item rose from $10,000 to $25,000.
- Inspectors and reserve-study providers must disclose in writing if they also plan to bid on the repair work.
Homeowners' associations: no change in 2025. The 2025 HOA reform bill did not pass, so Chapter 720 is still governed by the 2024 HB 1203 framework below.
2024: the biggest reforms in a decade
HB 1203, homeowners' associations (effective July 1, 2024). The largest overhaul of Chapter 720 in years:
- Directors must complete a state-approved education course.
- New criminal penalties for destroying records, kickbacks, and fraudulent voting.
- Associations of 100 or more parcels must post official records on a website.
- No fines for garbage cans within 24 hours of collection, holiday lights, or not-visible gardens.
- A detailed accounting of amounts owed within 15 business days of a written request.
HB 1021, condominiums (effective July 1, 2024). The post-Surfside condo overhaul:
- Milestone structural inspections and SIRS reserve studies, with reserves that cannot be waived.
- Website posting for condos of 25 or more units.
- New criminal penalties and expanded records rights.
- A stronger DBPR enforcement role.
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