IMPORTANT DISCLOSURE on Homeowner Associations in Florida

One of the most critical parts of buying a home in Florida is understanding the Homeowners’ Association (HOA) rules. While you received a "Disclosure Summary" at the time of your contract, that document is only a high-level overview. The actual "law of the land" for your new community is contained in the recorded Bylaws and Covenants (CC&Rs).

In Florida, HOA rules can be hundreds of pages long and cover everything from pet restrictions and paint colors to strict limitations on renting your property. Because these rules are recorded in the County’s Public Records, the law considers every buyer to have "Constructive Notice" of them—meaning the law assumes you have read and accepted them the moment you close.

To protect all parties involved, the attached Notice of Constructive Receipt and Liability Release confirms that:

1. You understand that the full, legally binding rules are found in the county public records.

2. You have had the opportunity to review these records to ensure the property meets your specific needs (especially if you plan to lease the home).

3. You are not relying on verbal summaries from the Seller, Title Company, or Agents, as these rules can change or be interpreted differently by the HOA Board.

How to find these records: You can view these documents for free online at the specify county's Clerk of Court or Comptroller's website under the "Official Records" search. We highly recommend searching for the most recent "Bylaws" and any "Amendments" recorded under the subdivision name.

If you have any questions about a specific rule found in the records, we strongly advise consulting with a qualified Florida real estate attorney before proceeding to closing.