Can I cancel my Florida HOA contract within 3 days?
Use the free tool — HOA Docs Decoder
The 3-day right to cancel
Florida law gives some HOA buyers a short window to void the contract. Under Fla. Stat. 720.401, if the seller did not hand you the community's disclosure summary before you signed, you get 3 days to cancel. The clock starts when you receive the summary, or before closing — whichever happens first.
- Florida says any attempt to make you waive this right has no effect.
- The right ends the moment you close. After that, it is gone.
This is general information, not legal advice. Confirm your own timeline with a Florida community association attorney before you rely on it.
This does not apply to condos
Chapter 720 — and the 3-day right described above — covers homeowners' associations only. It does not apply to condominiums, cooperatives, timeshares, or mobile home parks (Fla. Stat. 720.401(2)). Condo buyers have separate rights under a different statute, Chapter 718. If you are buying a condo, please do not rely on this page or this tool — check with a professional about Chapter 718 instead.
What the HOA controls once you close
Chapter 720 of the Florida Statutes sets the framework for what an HOA may charge and enforce after closing. But the actual assessment amounts, rental limits, and pet rules come from your own community's declaration and bylaws — not from the statute itself. We don't know what your community charges or restricts. Read your own governing documents, or ask the association directly.
Got a violation notice instead?
This tool is built for disclosure summaries and covenants you receive before closing — not for a compliance letter or a fine after you already live there. If that's your situation, use the HOA violation responder tool instead.
What this can't tell you
- Whether your specific 3 days have already started, or already ran out — that depends on when you actually received the disclosure summary, and only you and your closing agent have that date.
- Whether your community's assessments, rental rules, or pet rules are acceptable to you — those are in your declaration and bylaws, which we haven't seen unless you paste them.
For anything contested, talk to a Florida community association attorney.
What to do next
Paste the disclosure summary or the covenants you were given into the tool. It reads your own document and points out the obligations, the money, and your deadline — in plain English, based only on what's in your paperwork. This is not legal advice; confirm anything that matters with a professional before you rely on it.
HOA Docs Decoder 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 does not apply to condominiums, cooperatives, timeshares or mobile home parks, which have their own statutes. For anything contested, talk to a Florida community association attorney.