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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

Assessment & Dues

Rules about regular assessments, special assessments, collection procedures, late fees, and what happens when homeowners fall behind on dues.

Florida: statewide

StatewideHeavy Restrictions

Under Fla. Stat. § 720.3085, unpaid assessments become a lien on a parcel, and the homeowners' association may…

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Apopka

Heavy Restrictions

Apopka HOAs may levy regular and special assessments per FL §720.308. Unpaid assessments accrue interest up to 18…

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Broward County

Heavy Restrictions

Broward County HOAs set assessments through a budget adopted by the board with 14-day member notice. Condos face…

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Jacksonville

Heavy Restrictions

Florida Statute Chapter 720 governs HOA assessments. Before placing a lien for unpaid assessments, the association must…

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Tampa

Heavy Restrictions

Tampa HOA assessments are governed by Florida Chapter 720, which requires written notice of assessments, sets late-fee…

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Delray Beach

Some Restrictions

HOAs in Delray Beach levy assessments under FL 720.3085. Unpaid assessments create a lien senior to most liens except…

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Miami-Dade County

Some Restrictions

Miami-Dade requires every HOA, condo and co-op association to file an annual registration disclosing current special…

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Palm Beach County

Some Restrictions

HOA assessments in Palm Beach County are governed by FL §720.308. Annual budget and assessments require board approval…

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Plant City

Some Restrictions

Plant City HOAs collect assessments under FL §720.3085. Association has lien rights; foreclosure possible after proper…

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St. Petersburg

Some Restrictions

HOA assessments under FL 720.3085 create a priority lien on the property. Unpaid assessments accrue interest at 18% or…

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Temple Terrace

Some Restrictions

HOA assessments in Temple Terrace must comply with FL §720.3085, including itemized budgets, proper notice, and…

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West Palm Beach

Some Restrictions

HOA assessments in West Palm Beach are governed by FL §720.3085, which establishes assessment liens, payment priority…

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Winter Park

Some Restrictions

Winter Park HOA assessments governed by FL 720.3085. Late fees capped at greater of $25 or 5 percent. Liens attach…

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Dispute Resolution

Processes for resolving conflicts between homeowners and the HOA board, including mediation requirements, hearing procedures, and state oversight.

Broward County

Heavy Restrictions

Broward County HOA disputes must generally use pre-suit mediation under FL 720.311 before court filing. Condo election…

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Apopka

Some Restrictions

FL §720.311 requires pre-suit mediation for most HOA disputes involving covenant enforcement, amendments, meetings, and…

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Delray Beach

Some Restrictions

HOA and condo disputes in Delray Beach follow FL 720.311 (HOA) and 718.1255 (condos). Pre-suit mediation is mandatory…

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Hillsborough County

Some Restrictions

FL 720.311 requires pre-suit mediation for most HOA disputes between owner and association. Covenant and restriction…

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Jacksonville

Some Restrictions

Florida Statute Section 720.311 requires mandatory presuit mediation for certain HOA disputes before filing a lawsuit…

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Jupiter

Some Restrictions

Jupiter HOA disputes over covenant enforcement or elections must go through pre-suit mediation under FL §720.311 before…

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Ocoee

Some Restrictions

FL §720.311 requires pre-suit mediation for most HOA disputes in Ocoee communities. Covenant enforcement, amendments…

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Orange County

Some Restrictions

Orange County HOA disputes must first go through FL DBPR pre-suit mediation under FL §720.311 for covenant/election…

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Palm Beach County

Some Restrictions

HOA disputes in Palm Beach County must follow pre-suit mediation under FL §720.311 before litigation. Condominium…

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Plant City

Some Restrictions

Plant City HOA disputes subject to FL §720.311 mandatory pre-suit mediation for covenant enforcement. Election and…

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Tampa

Some Restrictions

Florida HOA disputes in Tampa are handled through mandatory pre-suit mediation (§720.311) for most non-monetary…

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Temple Terrace

Some Restrictions

HOA disputes in Temple Terrace must first go through pre-suit mediation under FL §720.311 before most lawsuits can be…

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West Palm Beach

Some Restrictions

Florida HOA disputes in West Palm Beach are subject to mandatory pre-suit mediation under FL §720.311 before lawsuits…

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Winter Park

Some Restrictions

FL 720.311 requires pre-suit mediation for most HOA disputes except assessment collection. DBPR provides arbitration…

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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 Restrictions

Under Fla. Stat. §§ 720.303 and 720.3035, a Florida HOA enforces its recorded covenants and architectural standards…

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Apopka

Heavy Restrictions

Apopka HOAs enforce recorded CC&Rs through fines (up to 100 dollars/day, 1,000 dollars aggregate), suspension of use…

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Broward County

Heavy Restrictions

Broward County HOAs may levy fines up to 100 dollars per day capped at 1,000 dollars per violation, suspend use rights…

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Hillsborough County

Heavy Restrictions

FL 720.305 allows HOAs to enforce CC&Rs via fines up to 100/day (1,000 aggregate cap), suspension of common area…

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Orange County

Heavy Restrictions

HOAs in Orange County enforce Covenants, Conditions and Restrictions (CC&Rs) under FL §720.305. Fines capped at $100…

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Plant City

Heavy Restrictions

Plant City HOAs enforce Covenants, Conditions, and Restrictions under FL §720.305. Fines capped at $100 per violation…

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Tampa

Heavy Restrictions

Tampa HOAs enforce CC&Rs under Florida Chapter 720 with fines capped at $100 per violation and $1,000 aggregate, a…

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Delray Beach

Some Restrictions

CC&R enforcement by Delray Beach HOAs follows FL 720.305. 14-day pre-fine notice required, fines capped at 100 dollars…

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Jacksonville

Some Restrictions

Florida Statute Chapter 720 governs CC&R enforcement. The association must provide written notice of a violation with a…

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Jupiter

Some Restrictions

Jupiter HOAs enforce CC&Rs via written notice, opportunity to cure, and hearing before a 3-member fining committee per…

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Miami

Some Restrictions

Florida law caps HOA fines at $100 per day per violation (up to $1,000 aggregate) and requires a fining committee…

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Palm Beach County

Some Restrictions

HOA covenants in Palm Beach County enforced under FL §720.305. Fines capped at $100 per violation, $1,000 aggregate…

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Temple Terrace

Some Restrictions

HOA CC and R enforcement in Temple Terrace follows FL §720.305, which requires uniform enforcement, written notice, and…

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West Palm Beach

Some Restrictions

HOAs in West Palm Beach enforce CC&Rs under FL §720.305, which authorizes fines up to $100 per violation, with…

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Winter Park

Some Restrictions

Winter Park HOAs enforce CC and Rs through fines up to $100 per violation $1,000 aggregate, suspension of use rights…

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Davie

Light Restrictions

Davie requires every building permit applicant to submit a signed affidavit acknowledging awareness of applicable…

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Deltona

Light Restrictions

Deltona lets recorded deed restrictions impose stricter rules than city zoning, with the tougher standard controlling…

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Miami-Dade County

Light Restrictions

County zoning bars HOA architectural boards in townhouse, rowhouse and cluster-development districts from blocking…

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Miramar

Light Restrictions

Miramar does not enforce private HOA or condo association rules, but Code of Ordinances Section 22-29 requires anyone…

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Orlando

Light Restrictions

Orlando's Code does not override a subdivision's private deed restrictions, but it also draws a hard enforcement line…

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Pembroke Pines

Light Restrictions

Pembroke Pines requires every building permit applicant to sign an affidavit acknowledging that a homeowners' or…

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Citrus County

Few Restrictions

Citrus County's Land Development Code says the county will not step in to enforce a subdivision's private deed…

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Marion County

Few Restrictions

Marion County's code enforcement board only hears county ordinance violations, not private HOA deed restrictions or…

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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.

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.