HOA Rules in Florida (2026)
70 rules on the books across Florida, 25 cities and counties. Select a rule to read the full details.
Severity: Few Restrictions · Light Restrictions · Some Restrictions · Significant Restrictions · Heavy Restrictions
Board Procedures
Rules governing HOA board meetings, elections, transparency requirements, and voting procedures for homeowners.
Florida: statewide
StatewideHeavy RestrictionsUnder Fla. Stat. § 720.303(2), Florida HOA board meetings must be open to members with notice posted at least 48 hours…
Read full rule →Plant City
Some RestrictionsPlant City HOAs governed by FL Chapter 720. Board meetings must be open to members with 48-hour posted notice; annual…
Read full rule →West Palm Beach
Some RestrictionsHOA boards in West Palm Beach must follow FL Chapter 720 (HOAs) or Chapter 718 (condominiums) requirements for…
Read full rule →Architectural Review
Standards and approval processes for exterior modifications including paint colors, additions, fencing, landscaping changes, and solar panel installation.
Apopka
Heavy RestrictionsApopka HOAs commonly require Architectural Review Committee (ARC) approval for exterior modifications, fences, paint…
Read full rule →Jupiter
Heavy RestrictionsJupiter HOAs commonly require ARC approval for exterior changes under FL §720.3035. Written standards required; review…
Read full rule →Plant City
Heavy RestrictionsPlant City HOAs may require Architectural Review Committee (ARC) approval for exterior changes. FL §720.3035 requires…
Read full rule →Tampa
Heavy RestrictionsTampa HOAs commonly operate architectural review committees (ARCs) under CC&Rs and Florida Statute 720.3035, which…
Read full rule →Broward County
Some RestrictionsBroward County HOAs routinely require architectural review committee approval before exterior changes including paint…
Read full rule →Palm Beach County
Some RestrictionsHOA architectural review committees (ARCs) in Palm Beach County must follow procedures in the recorded declaration of…
Read full rule →West Palm Beach
Some RestrictionsFlorida HOAs in West Palm Beach typically require Architectural Review Committee (ARC) approval for exterior…
Read full rule →Assessment & Dues
Rules about regular assessments, special assessments, collection procedures, late fees, and what happens when homeowners fall behind on dues.
Florida: statewide
StatewideHeavy RestrictionsUnder Fla. Stat. § 720.3085, unpaid assessments become a lien on a parcel, and the homeowners' association may…
Read full rule →Apopka
Heavy RestrictionsApopka HOAs may levy regular and special assessments per FL §720.308. Unpaid assessments accrue interest up to 18…
Read full rule →Broward County
Heavy RestrictionsBroward County HOAs set assessments through a budget adopted by the board with 14-day member notice. Condos face…
Read full rule →Jacksonville
Heavy RestrictionsFlorida Statute Chapter 720 governs HOA assessments. Before placing a lien for unpaid assessments, the association must…
Read full rule →Tampa
Heavy RestrictionsTampa HOA assessments are governed by Florida Chapter 720, which requires written notice of assessments, sets late-fee…
Read full rule →Delray Beach
Some RestrictionsHOAs in Delray Beach levy assessments under FL 720.3085. Unpaid assessments create a lien senior to most liens except…
Read full rule →Miami-Dade County
Some RestrictionsMiami-Dade requires every HOA, condo and co-op association to file an annual registration disclosing current special…
Read full rule →Palm Beach County
Some RestrictionsHOA assessments in Palm Beach County are governed by FL §720.308. Annual budget and assessments require board approval…
Read full rule →Plant City
Some RestrictionsPlant City HOAs collect assessments under FL §720.3085. Association has lien rights; foreclosure possible after proper…
Read full rule →St. Petersburg
Some RestrictionsHOA assessments under FL 720.3085 create a priority lien on the property. Unpaid assessments accrue interest at 18% or…
Read full rule →Temple Terrace
Some RestrictionsHOA assessments in Temple Terrace must comply with FL §720.3085, including itemized budgets, proper notice, and…
Read full rule →West Palm Beach
Some RestrictionsHOA assessments in West Palm Beach are governed by FL §720.3085, which establishes assessment liens, payment priority…
Read full rule →Winter Park
Some RestrictionsWinter Park HOA assessments governed by FL 720.3085. Late fees capped at greater of $25 or 5 percent. Liens attach…
Read full rule →Dispute Resolution
Processes for resolving conflicts between homeowners and the HOA board, including mediation requirements, hearing procedures, and state oversight.
Broward County
Heavy RestrictionsBroward County HOA disputes must generally use pre-suit mediation under FL 720.311 before court filing. Condo election…
Read full rule →Apopka
Some RestrictionsFL §720.311 requires pre-suit mediation for most HOA disputes involving covenant enforcement, amendments, meetings, and…
Read full rule →Delray Beach
Some RestrictionsHOA and condo disputes in Delray Beach follow FL 720.311 (HOA) and 718.1255 (condos). Pre-suit mediation is mandatory…
Read full rule →Hillsborough County
Some RestrictionsFL 720.311 requires pre-suit mediation for most HOA disputes between owner and association. Covenant and restriction…
Read full rule →Jacksonville
Some RestrictionsFlorida Statute Section 720.311 requires mandatory presuit mediation for certain HOA disputes before filing a lawsuit…
Read full rule →Jupiter
Some RestrictionsJupiter HOA disputes over covenant enforcement or elections must go through pre-suit mediation under FL §720.311 before…
Read full rule →Ocoee
Some RestrictionsFL §720.311 requires pre-suit mediation for most HOA disputes in Ocoee communities. Covenant enforcement, amendments…
Read full rule →Orange County
Some RestrictionsOrange County HOA disputes must first go through FL DBPR pre-suit mediation under FL §720.311 for covenant/election…
Read full rule →Palm Beach County
Some RestrictionsHOA disputes in Palm Beach County must follow pre-suit mediation under FL §720.311 before litigation. Condominium…
Read full rule →Plant City
Some RestrictionsPlant City HOA disputes subject to FL §720.311 mandatory pre-suit mediation for covenant enforcement. Election and…
Read full rule →Tampa
Some RestrictionsFlorida HOA disputes in Tampa are handled through mandatory pre-suit mediation (§720.311) for most non-monetary…
Read full rule →Temple Terrace
Some RestrictionsHOA disputes in Temple Terrace must first go through pre-suit mediation under FL §720.311 before most lawsuits can be…
Read full rule →West Palm Beach
Some RestrictionsFlorida HOA disputes in West Palm Beach are subject to mandatory pre-suit mediation under FL §720.311 before lawsuits…
Read full rule →Winter Park
Some RestrictionsFL 720.311 requires pre-suit mediation for most HOA disputes except assessment collection. DBPR provides arbitration…
Read full rule →CC&R Enforcement
How covenants, conditions, and restrictions are enforced, including violation notices, fines, lien authority, and legal remedies available to HOAs and homeowners.
Florida: statewide
StatewideHeavy RestrictionsUnder Fla. Stat. §§ 720.303 and 720.3035, a Florida HOA enforces its recorded covenants and architectural standards…
Read full rule →Apopka
Heavy RestrictionsApopka HOAs enforce recorded CC&Rs through fines (up to 100 dollars/day, 1,000 dollars aggregate), suspension of use…
Read full rule →Broward County
Heavy RestrictionsBroward County HOAs may levy fines up to 100 dollars per day capped at 1,000 dollars per violation, suspend use rights…
Read full rule →Hillsborough County
Heavy RestrictionsFL 720.305 allows HOAs to enforce CC&Rs via fines up to 100/day (1,000 aggregate cap), suspension of common area…
Read full rule →Orange County
Heavy RestrictionsHOAs in Orange County enforce Covenants, Conditions and Restrictions (CC&Rs) under FL §720.305. Fines capped at $100…
Read full rule →Plant City
Heavy RestrictionsPlant City HOAs enforce Covenants, Conditions, and Restrictions under FL §720.305. Fines capped at $100 per violation…
Read full rule →Tampa
Heavy RestrictionsTampa HOAs enforce CC&Rs under Florida Chapter 720 with fines capped at $100 per violation and $1,000 aggregate, a…
Read full rule →Delray Beach
Some RestrictionsCC&R enforcement by Delray Beach HOAs follows FL 720.305. 14-day pre-fine notice required, fines capped at 100 dollars…
Read full rule →Jacksonville
Some RestrictionsFlorida Statute Chapter 720 governs CC&R enforcement. The association must provide written notice of a violation with a…
Read full rule →Jupiter
Some RestrictionsJupiter HOAs enforce CC&Rs via written notice, opportunity to cure, and hearing before a 3-member fining committee per…
Read full rule →Miami
Some RestrictionsFlorida law caps HOA fines at $100 per day per violation (up to $1,000 aggregate) and requires a fining committee…
Read full rule →Palm Beach County
Some RestrictionsHOA covenants in Palm Beach County enforced under FL §720.305. Fines capped at $100 per violation, $1,000 aggregate…
Read full rule →Temple Terrace
Some RestrictionsHOA CC and R enforcement in Temple Terrace follows FL §720.305, which requires uniform enforcement, written notice, and…
Read full rule →West Palm Beach
Some RestrictionsHOAs in West Palm Beach enforce CC&Rs under FL §720.305, which authorizes fines up to $100 per violation, with…
Read full rule →Winter Park
Some RestrictionsWinter Park HOAs enforce CC and Rs through fines up to $100 per violation $1,000 aggregate, suspension of use rights…
Read full rule →Davie
Light RestrictionsDavie requires every building permit applicant to submit a signed affidavit acknowledging awareness of applicable…
Read full rule →Deltona
Light RestrictionsDeltona lets recorded deed restrictions impose stricter rules than city zoning, with the tougher standard controlling…
Read full rule →Miami-Dade County
Light RestrictionsCounty zoning bars HOA architectural boards in townhouse, rowhouse and cluster-development districts from blocking…
Read full rule →Miramar
Light RestrictionsMiramar does not enforce private HOA or condo association rules, but Code of Ordinances Section 22-29 requires anyone…
Read full rule →Orlando
Light RestrictionsOrlando's Code does not override a subdivision's private deed restrictions, but it also draws a hard enforcement line…
Read full rule →Pembroke Pines
Light RestrictionsPembroke Pines requires every building permit applicant to sign an affidavit acknowledging that a homeowners' or…
Read full rule →Citrus County
Few RestrictionsCitrus County's Land Development Code says the county will not step in to enforce a subdivision's private deed…
Read full rule →Marion County
Few RestrictionsMarion County's code enforcement board only hears county ordinance violations, not private HOA deed restrictions or…
Read full rule →HOA Fines & Enforcement
Statutory caps on HOA fine amounts, notice-and-hearing requirements before fines can be assessed, and how unpaid fines become liens against the property.
Lien & Foreclosure Limits
What an association must clear before it can foreclose on a home for unpaid assessments: minimum debt thresholds, waiting periods, mandatory notice and payment-plan offers, and the states that bar foreclosure where the debt is fines and late fees rather than assessments.
Board Governance
Governance structure of the HOA (board composition, term lengths, election procedures), open-meeting requirements, and member voting rights under state statutes.
Miami-Dade County
Some RestrictionsEvery condominium, cooperative and homeowners' association governing residential property in Miami-Dade County must…
Read full rule →Nassau County
Some RestrictionsEvery subdivision the county approves, including rural subdivisions, must have a property or homeowners association…
Read full rule →Palm Beach County
Some RestrictionsUnincorporated Palm Beach County requires every POA declaration to grant automatic membership, voting rights, and…
Read full rule →Tampa
Some RestrictionsBefore Tampa will approve a final subdivision plat, the developer must hand the city attorney a copy of the homeowners…
Read full rule →Flag Display Rights
When an association may restrict flags on a lot and when it may not, the federal floor protecting the American flag, and state statutes extending that protection to state, military, and first-responder flags, along with the pole height and placement conditions a board can still impose.
Clotheslines & Energy Devices
Right-to-dry statutes that void covenants banning outdoor clotheslines and drying racks, plus the broader energy-device provisions covering heat pumps, rain barrels, and similar equipment an association would otherwise prohibit on appearance grounds.
Drought Landscaping Rights
Laws barring an association from requiring live turf or fining a homeowner for a brown lawn during declared drought or water restrictions, and the water-efficient and native landscaping a covenant may not prohibit outright.
Rental Restriction Limits
How far an association may go in banning or capping leasing, grandfathering for owners who already rent, minimum-lease-term and cap-percentage rules, and the member vote thresholds required before a rental amendment binds existing owners.