What can a Florida HOA charge me after closing?
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What Chapter 720 actually covers
Florida's Homeowners' Association Act, Chapter 720, sets the framework for what a Florida HOA can charge and enforce once you close. It's the law behind the association's power to bill you and enforce its rules — but it doesn't set the dollar amounts themselves.
What comes from your own community, not the statute
The actual assessment amounts, rental restrictions, and pet rules come from your community's own declaration and bylaws, not from Chapter 720 itself. If your paperwork doesn't spell out a number or a rule, the statute alone won't tell you what it is — you have to read your own governing documents or ask the association directly.
- Assessment amounts — set by your declaration
- Rental restrictions — set by your declaration
- Pet rules — set by your declaration
The 3-day right to cancel — and why it disappears at closing
Before you close, Florida gives you a separate protection: if you were not handed the community's disclosure summary before you signed, you get 3 days to void the contract, counted from when you received the summary or before closing, whichever is first (Fla. Stat. 720.401). Florida says any waiver of that right has no effect — but the right ends the moment you close. Once you close, this cancellation right is gone, and you're relying on whatever your declaration and bylaws say.
This is not for condos
Chapter 720, and the 3-day right in Fla. Stat. 720.401(2), apply only to homeowners' associations — not condominiums, cooperatives, timeshares, or mobile home parks. If you're buying a condo, your rights come from a different statute, Chapter 718, and this guide does not apply to you.
What this guide can't tell you
We don't know your community's actual fees, rental rules, or pet policy — those live in your declaration and bylaws, which we haven't seen unless you paste them. This is general information, not legal advice, and it's not a substitute for reading your own governing documents. For anything contested, talk to a Florida community association attorney.
What to do next
Paste your disclosure summary or your covenants into the free tool. It reads your own document and points out the obligations, the money, and your deadline in plain English — it doesn't guess at numbers you haven't given 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.