Florida HOA & Condo Calculators

Florida SIRS Calculator (Structural Integrity Reserve Study)

A per-component reserve-adequacy walkthrough for Florida condominiums of three or more habitable stories. Enter your SIRS report's replacement cost, remaining useful life, and current balance for each statutory component — roof, structure, fireproofing, plumbing, electrical, waterproofing, windows and exterior doors — and the calculator returns the per-component and aggregate full-funding requirement, the SIRS compliance verdict, and the named largest, shortest-life, and most-underfunded components.

Florida Milestone Inspection Trigger & Cost Calculator

When is your Florida condo or co-op due for its mandatory milestone structural inspection under F.S. § 553.899 — and what should it cost? The calculator returns the trigger year (25 years if within 3 miles of coast, 30 years inland, 10-year recurrence after first), the Phase 1 cost estimate range, and the Phase 2 risk-adjusted add if substantial structural deterioration is suspected.

Florida Condo Reserve Funding Adequacy Calculator (SIRS)

Are your association's reserves on track to fully fund SIRS components under Florida's post-Surfside reserve mandate? Computes the required per-unit contribution, current shortfall, years to fully funded, and special-assessment exposure under F.S. § 718.112(2)(g) — effective 12/31/2024.

Florida HOA & Condo Special Assessment Calculator

Compute your unit's share of a Florida community-association special assessment, the per-installment payment, total interest, and the procedural and lien rules the association must follow under F.S. § 718.116, § 718.112(2)(c), and § 720.3085.

Florida HOA & Condo Fine Calculator

Check the lawful maximum and the procedural validity of a Florida community-association fine under F.S. § 718.303(3)–(4) (condo) or § 720.305(2) (HOA). Walks the statutory ladder — $100/day cap, $1,000 per-violation aggregate cap, 14-day notice, hearing committee composition, and the rules on whether the fine can become a lien.

Florida HOA & Condo Late Fee + Past-Due Interest Calculator

Compute the total owed on a past-due Florida community-association assessment: principal, statutory late fee (greater of $25 or 5%), past-due interest (capped at 18% per F.S. § 718.116(3) / § 720.3085), and projected attorney-fee exposure if collection proceeds to a lien.

Florida HOA & Condo Quorum + Voting Threshold Calculator

Compute the quorum required for a Florida community-association meeting and the vote threshold required to adopt a specific decision — general business, bylaw amendment, declaration amendment, director recall, or a budget increase greater than 115% of prior year. Cites the operative statute (F.S. § 718.110, § 718.112, § 720.306, § 720.303) for each decision type.

Florida SIRS Calculator (Structural Integrity Reserve Study)

A per-component reserve-adequacy walkthrough for Florida condominiums of three or more habitable stories. Enter your SIRS report's replacement cost, remaining useful life, and current balance for each statutory component — roof, structure, fireproofing, plumbing, electrical, waterproofing, windows and exterior doors — and the calculator returns the per-component and aggregate full-funding requirement, the SIRS compliance verdict, and the named largest, shortest-life, and most-underfunded components.

Florida Milestone Inspection Trigger & Cost Calculator

When is your Florida condo or co-op due for its mandatory milestone structural inspection under F.S. § 553.899 — and what should it cost? The calculator returns the trigger year (25 years if within 3 miles of coast, 30 years inland, 10-year recurrence after first), the Phase 1 cost estimate range, and the Phase 2 risk-adjusted add if substantial structural deterioration is suspected.

Florida Condo Reserve Funding Adequacy Calculator (SIRS)

Are your association's reserves on track to fully fund SIRS components under Florida's post-Surfside reserve mandate? Computes the required per-unit contribution, current shortfall, years to fully funded, and special-assessment exposure under F.S. § 718.112(2)(g) — effective 12/31/2024.

Florida Condo Master Policy Deductible Allocation Calculator

When a Florida condominium master policy pays a claim, the deductible is allocated to unit owners as a common expense under F.S. § 718.111(11)(d). For a $50M Florida building with a 5% hurricane deductible, that's $2.5M spread across the unit base — and the unit owner's HO-6 loss-assessment coverage may not be enough to absorb it. This calculator quantifies the per-unit share, the HO-6 reimbursement gap, and the out-of-pocket exposure.

Florida HOA & Condo Special Assessment Calculator

Compute your unit's share of a Florida community-association special assessment, the per-installment payment, total interest, and the procedural and lien rules the association must follow under F.S. § 718.116, § 718.112(2)(c), and § 720.3085.

Florida HOA & Condo Fine Calculator

Check the lawful maximum and the procedural validity of a Florida community-association fine under F.S. § 718.303(3)–(4) (condo) or § 720.305(2) (HOA). Walks the statutory ladder — $100/day cap, $1,000 per-violation aggregate cap, 14-day notice, hearing committee composition, and the rules on whether the fine can become a lien.

Florida HOA & Condo Late Fee + Past-Due Interest Calculator

Compute the total owed on a past-due Florida community-association assessment: principal, statutory late fee (greater of $25 or 5%), past-due interest (capped at 18% per F.S. § 718.116(3) / § 720.3085), and projected attorney-fee exposure if collection proceeds to a lien.

Florida HOA & Condo Quorum + Voting Threshold Calculator

Compute the quorum required for a Florida community-association meeting and the vote threshold required to adopt a specific decision — general business, bylaw amendment, declaration amendment, director recall, or a budget increase greater than 115% of prior year. Cites the operative statute (F.S. § 718.110, § 718.112, § 720.306, § 720.303) for each decision type.

Florida Estoppel Fee Calculator

Maximum estoppel certificate fee a Florida HOA or condo association can charge under F.S. § 718.116(8)(d) and § 720.30851. Adjust for delinquency, expedited delivery, and multi-unit aggregate caps.

Florida HOA & Condo Closing Cost Calculator (Transfer Fee + Capital Contribution)

Compute the non-estoppel community-association line items at a Florida closing — transfer fee, capital contribution (flat / percentage of price / months of dues), working capital deposit, and other association-administered fees. Verifies the transfer fee against F.S. § 720.30851(3) for HOAs and flags overages.

Florida Condo Master Policy Deductible Allocation Calculator

When a Florida condominium master policy pays a claim, the deductible is allocated to unit owners as a common expense under F.S. § 718.111(11)(d). For a $50M Florida building with a 5% hurricane deductible, that's $2.5M spread across the unit base — and the unit owner's HO-6 loss-assessment coverage may not be enough to absorb it. This calculator quantifies the per-unit share, the HO-6 reimbursement gap, and the out-of-pocket exposure.

Florida HOA & Condo Special Assessment Calculator

Compute your unit's share of a Florida community-association special assessment, the per-installment payment, total interest, and the procedural and lien rules the association must follow under F.S. § 718.116, § 718.112(2)(c), and § 720.3085.

Florida HOA & Condo Fine Calculator

Check the lawful maximum and the procedural validity of a Florida community-association fine under F.S. § 718.303(3)–(4) (condo) or § 720.305(2) (HOA). Walks the statutory ladder — $100/day cap, $1,000 per-violation aggregate cap, 14-day notice, hearing committee composition, and the rules on whether the fine can become a lien.

Florida HOA & Condo Late Fee + Past-Due Interest Calculator

Compute the total owed on a past-due Florida community-association assessment: principal, statutory late fee (greater of $25 or 5%), past-due interest (capped at 18% per F.S. § 718.116(3) / § 720.3085), and projected attorney-fee exposure if collection proceeds to a lien.

Florida Estoppel Fee Calculator

Maximum estoppel certificate fee a Florida HOA or condo association can charge under F.S. § 718.116(8)(d) and § 720.30851. Adjust for delinquency, expedited delivery, and multi-unit aggregate caps.

Florida Condo Reserve Funding Adequacy Calculator (SIRS)

Are your association's reserves on track to fully fund SIRS components under Florida's post-Surfside reserve mandate? Computes the required per-unit contribution, current shortfall, years to fully funded, and special-assessment exposure under F.S. § 718.112(2)(g) — effective 12/31/2024.

Florida Condo Master Policy Deductible Allocation Calculator

When a Florida condominium master policy pays a claim, the deductible is allocated to unit owners as a common expense under F.S. § 718.111(11)(d). For a $50M Florida building with a 5% hurricane deductible, that's $2.5M spread across the unit base — and the unit owner's HO-6 loss-assessment coverage may not be enough to absorb it. This calculator quantifies the per-unit share, the HO-6 reimbursement gap, and the out-of-pocket exposure.

Florida Estoppel Fee Calculator

Maximum estoppel certificate fee a Florida HOA or condo association can charge under F.S. § 718.116(8)(d) and § 720.30851. Adjust for delinquency, expedited delivery, and multi-unit aggregate caps.

Florida HOA & Condo Closing Cost Calculator (Transfer Fee + Capital Contribution)

Compute the non-estoppel community-association line items at a Florida closing — transfer fee, capital contribution (flat / percentage of price / months of dues), working capital deposit, and other association-administered fees. Verifies the transfer fee against F.S. § 720.30851(3) for HOAs and flags overages.

Florida HOA / Condo Dues Affordability + Reserve-Risk Calculator

The buyer-side affordability check for a Florida HOA or condo. Computes total monthly housing cost (P+I + property tax + insurance + HOA dues), front-end DTI, AND a Florida-specific risk-adjusted DTI that adds a special-assessment buffer based on the building's SIRS reserve funded percentage from the estoppel disclosure.