What must a Florida HOA home buyer be told before signing?

What the law says

• A buyer must be given the disclosure summary before signing the contract (720.401(1)(a)).
• The summary says the buyer must be an HOA member, the property has recorded rules on use, the buyer must pay assessments (which may change), and unpaid assessments could lead to a lien on the property (720.401(1)(a)).
• The developer supplies the summary, or the owner if the owner is not the developer (720.401(1)(a)).
• The contract must refer to the summary and say in prominent language that the buyer should not sign until they have received and read it (720.401(1)(a)).
• If the buyer did not get the summary before signing, the buyer may void the contract by written notice within 3 days after receiving it or before closing, whichever comes first. This right cannot be waived and ends at closing (720.401(1)(c)).
• This section does not apply to associations under the condo (718), co-op (719), timeshare (721), or mobile home (723) chapters (720.401(2)).

“A prospective parcel owner in a community must be presented a disclosure summary before executing the contract for sale.”

720.401, Florida Statutes

Who this is for

Buying · Selling · For agents

Last checked against the official text on November 5, 2026. Laws change, and the official text always wins. This is general information, not legal advice. For your own situation, ask a Florida real estate attorney.