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HOA Red Flags Checklist

Reference Table

Warning signs to investigate before buying in an HOA community.

About This Tool

The Florida condo collapse (2021) focused national attention on HOA reserve funds. Florida passed SB 4-D (2022) requiring structural inspections and funded reserves for condo buildings 3+ stories. Always request 2+ years of HOA meeting minutes, financials, and the reserve study before closing.

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