Florida Condo Law Update 2025: What Buyers and Owners Need to Know Now
July 16, 2025 | Blog
Big changes are shaking up the condo landscape in Florida this year. As of July 1, 2025, new legislation has taken effect, tightening requirements around reserve funding, structural inspections, and board accountability. Whether you’re a current condo owner, a prospective buyer, or part of a condo association, these updates could impact your finances, obligations, and resale value.
At Miloff Aubuchon Realty Group, we’re helping clients across Cape Coral and the surrounding areas understand what these laws mean and how to navigate the evolving condo market with confidence.
Following the 2021 Surfside condominium collapse, Florida lawmakers have taken steps to improve building safety and ensure long-term maintenance is funded properly. The 2025 updates are the latest in a series of reforms designed to protect owners and residents statewide.
- Mandatory Structural Inspections (Milestone Inspections)
- All buildings three stories or higher and 30+ years old (or 25 years if within 3 miles of the coast) must undergo milestone inspections by a licensed engineer or architect.
- These inspections assess structural integrity and identify necessary repairs.
- Structural Integrity Reserve Studies (SIRS)
- Condos must now complete a SIRS every 10 years, identifying key components (e.g., roofs, foundations, balconies) and estimating costs for maintenance and replacement.
- Associations must fully fund reserves for these components based on study results—no more waiving or underfunding reserves for critical items.
- Improved Transparency for Buyers
- Sellers must now disclose whether a condo has completed its inspections and reserve studies.
- Buyers receive more detailed financial disclosures, including pending assessments and reserve status.
- Stronger Board Accountability
- Associations face tighter deadlines for compliance.
- Penalties may apply for failure to complete studies or mismanage reserve funds.
For buyers considering a condo in Cape Coral, the new law can be both a safeguard and a challenge:
- Increased confidence in building safety
- More accurate long-term cost projections
- Potential for higher HOA fees or special assessments
Tip: Work with your Miloff Aubuchon Realty Group agent to review the association’s financials, inspection history, and reserve requirements before making an offer.
- Schedule any required inspections before the deadline.
- Complete or update your reserve study.
- Educate your board and homeowners on the new funding requirements.
- Consider hiring a professional property manager to ensure legal compliance.
Condos that comply early and communicate clearly will be more attractive to buyers and retain long-term value.
Cape Coral has a growing number of aging condo communities, especially near the waterfront. The new law affects many of these properties and could impact:
- Property values
- Time on market
- Financing eligibility
Buyers may gravitate toward communities that are proactive, well-maintained, and fully compliant with state laws.
Whether you’re buying or selling a condo, our experienced real estate professionals are up to date on all 2025 requirements. We partner with inspectors, attorneys, and HOA professionals to ensure our clients are protected and prepared.
Let us:
- Connect you with compliant condo communities
- Help you assess financial and legal documents
- Position your listing for maximum buyer confidence
The condo law changes may seem complex, but you don’t have to navigate them alone. Contact Miloff Aubuchon Realty Group today to speak with a local condo expert and take the next step with confidence.