Your Florida HOA: Spotlight on unpermitted improvements

The HOA didn't approve that beautiful new patio.

Your Realtor® just showed you the perfect house: four bedroom and three baths on a tree-lined street with house-after-house of manicured lawns. The owners even recently extended the back patio, enclosed it, and made it into a sunlit playroom.

You want to make an offer. But you see from the owner’s disclosure statement two things that seem curious: your perfect house is within a residential development governed by a homeowners’ association, and the recent back patio extension and enclosure was permitted by the City.

Why are these red flags? Because in most cases, the owner would be required to get the association’s approval as well.

Do you have to pass on your perfect house?

Not necessarily. You’ll need to get more background and information to make your decision.