How do I request my Florida HOA's financial records?
Use the free tool — HOA Budget Reader
What financial records can you ask for?
Fla. Stat. 720.303 covers your association's budgets, financial reporting, and official records — including your right as a member to inspect the records behind the numbers. Fla. Stat. 720.3086 sets what the association's annual financial report has to include.
This tool can explain a budget or financial report line by line once you paste it. It cannot tell you what your specific declaration or bylaws require beyond that — read those documents, or ask a professional, for anything that depends on them.
How to make the request
- Put your request in writing.
- Under Fla. Stat. 720.303, the association has 10 business days after a written request to make official records available.
- Confirm with the association (or a Florida community association attorney) exactly which records you're entitled to and how to word your request — this page can't draft it for you.
If you live in a condominium, not an HOA
This guide is built around Chapter 720, Florida's homeowners' association law. Condominiums are governed by Chapter 718 instead. If your community is a condominium, cooperative, timeshare, or mobile home park, don't rely on anything here — the rules are not the same.
If you got a violation notice or a fine instead
This page is only about requesting financial records. If you received a violation notice or a fine, that's a different situation — use the HOA violation responder tool for that instead.
What this tool can and can't do
HOA Budget Reader explains a budget in plain language. It is not an audit, it cannot tell you whether money was misspent, and it is not financial or legal advice. It reads what you type and explains Chapter 720 in plain language — it can be wrong, and it is not a substitute for reading your community's own declaration and bylaws. For anything contested, talk to a Florida community association attorney.
What to do next
Once you get the records, paste your association's proposed budget or financial report into the free tool. It reads your own document and explains it line by line — where the money goes, what reserves are for, and what's worth asking about before the vote.
HOA Budget Reader reads what you type and explains Florida Chapter 720 in plain language. It can be wrong, it is not legal advice, and it is not a substitute for reading your community's own declaration and bylaws, and it is not an audit — it cannot detect misuse of funds. For anything contested, talk to a Florida community association attorney.