If the condominium building has 150 units or more, items 1–7 must be available electronically on the association’s password-protected website.  Upon written request, the association is required to provide unit owners with a username, password, and access to these records via its website or mobile app.

Sellers—or their agents—can also obtain all the required documents directly from the association or property management company.  Associations may charge a reasonable fee for printed copies, or sellers and authorized agents may bring a scannable device to make free copies on-site.

To make the process easier, MIAMI REALTORS® provides helpful forms for our members to use:

• Owners Request for Condo Docs
• Condo Docs Quick Reference Guide
• Notice of Condo Associations Non-Compliance with FLA. Stat. Sec. 718.111

Florida Department of Business & Professional Regulations’ (DBPR) forms:

• Request to Access Association Records
• Frequently Asked Questions and Answers Sheet (blank form)
• Condominium Governance Form

A licensed Florida real estate agent who obtains these documents for a prospective purchaser is not liable for any errors or inaccuracies contained within the documents under Sec. 718.503(2)(c), F.S.

In Miami-Dade County, condominium, cooperative and homeowner associations are required to submit specific documents to the county on February 1 each year.  These documents are made publicly available and can be searched through the:

• Miami-Dade’s Community Association Registry

While not legally required, these items are strongly recommended to help evaluate financing options early and accurately:

• Board Minutes – May reveal upcoming assessments, maintenance or line of credits/loans.
• Insurance Policies – Look for deductibles over 5%, which can affect loan eligibility.
• Pending Litigation – Ask if the association is involved in any lawsuits, along with the nature.

This information is crucial for buyers seeking conventional financing.  According to Fannie Mae guidelines, the maximum allowable deductible for all required property insurance perils is 5% of the master property insurance coverage amount.  Deductibles exceeding this threshold can affect financing eligibility.  This will help you determine buyer eligibility early in the process.

If you are selling a condominium on behalf of a developer, use “DBPR Form CO 6000-6” to ensure all required documents are provided.  Buyers have up to fifteen (15) days to cancel the contract after receiving these documents.