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Is My Florida Condo Association the Same as an HOA?
Use the free tool — What Your HOA Owes You
Why this question matters
A homeowners' association (HOA) and a condominium association are not governed by the same law in Florida. An HOA falls under Chapter 720 of the Florida Statutes. A condominium falls under a different chapter, Chapter 718. If you live in a condo and someone answers your question using Chapter 720 rules, that answer may not apply to you at all.
How to tell which one you have
- If you own a unit inside a building with shared walls, floors, or a roof — and other people own the units around, above, or below you — you likely live in a condominium, governed by Chapter 718.
- If you own a single-family home, townhome, or lot, and the community has a homeowners' association that maintains common areas, you likely live in an HOA, governed by Chapter 720.
- Cooperatives, timeshares, and mobile home parks are different again — none of them are covered by Chapter 720 either.
This tool, and this page, only speak to Chapter 720 homeowners' associations. If you have a condominium, cooperative, timeshare, or mobile home park, do not rely on what follows — the rules are different, and using Chapter 720 answers for a Chapter 718 community is not safe.
What Chapter 720 requires, if you do have an HOA
- Records: Fla. Stat. 720.303 says official records must be made available within 10 business days of a written request, if you're within 45 miles of the community or in the same county where it's located.
- Meetings and notice: Fla. Stat. 720.306 covers meetings of members, voting, election procedures, and amendments — including the notice you're owed.
- Financial reports: Fla. Stat. 720.3086 sets the annual financial report requirement.
Some details — like a copying fee for records, or exactly how meeting notice is delivered — depend on your own declaration or bylaws, not the statute alone. Read those documents alongside the law rather than guessing.
What this tool cannot do
- It cannot tell you what applies if you live in a condominium, cooperative, timeshare, or mobile home park — those are different statutes.
- It is not built for violation notices or fines. If that's your situation, use the HOA violation responder instead.
- It cannot tell you that you will win a dispute. For anything contested, a Florida community association attorney is the right next step.
What to do next
If you've confirmed you have a Chapter 720 HOA, the free tool reads your own question — about records, notice, meetings, or money — and answers with the specific statute section behind it, so you can check it yourself. The paid version helps you put a written, dated request together. Plans are $4.99 for one question, or $19 a year for unlimited access.
This explains what Chapter 720 requires. Your declaration and bylaws add to it, and this is not legal advice. What Your HOA Owes You 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. For anything contested, talk to a Florida community association attorney.
What Your HOA Owes You 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. For anything contested, talk to a Florida community association attorney.