Florida condo rules have changed significantly in the past few years, and smart buyers now ask more questions before they write an offer. Here are eight to ask about any condo you're considering. To make them concrete, we'll use our listing at 7050 NW 44th St #708 at Horizons of Inverrary in Lauderhill as an example.

1. Has the building completed its milestone inspection?

Florida now requires milestone structural inspections for condo buildings three stories or taller once they reach a certain age. Ask for the report and whether any repairs it called for have been completed. Horizons of Inverrary was built in 1985, so this is a document to request and review.

2. Is there a Structural Integrity Reserve Study (SIRS)?

Condo associations in qualifying buildings must now complete a reserve study covering key structural components (roof, structure, plumbing, electrical, waterproofing and more) and fund reserves for them. Ask for the study and how well funded the reserves are.

3. Are there any current or planned special assessments?

Underfunded reserves often show up as special assessments. Ask the association, review recent board minutes, and get it in writing before closing.

4. What exactly do the HOA fees cover?

At Horizons of Inverrary, the association covers building maintenance, roof upkeep, exterior insurance, security, water and trash removal, plus the pool and fitness center. Compare what's included, not just the monthly number.

5. What will your own insurance cost?

The association insures the building; you insure the interior (an HO-6 policy). Get a quote early. Newer systems can help: #708 has a 2026 A/C compressor and a new water heater, which insurers often ask about.

6. What are the rules on rentals, pets and age?

Many South Florida condos are 55+ or have rental waiting periods and pet limits. Horizons of Inverrary is an all-ages community; as with any building, ask for the current rules on leasing and pets in writing.

7. Will the association require approval of the buyer?

Many Florida associations require an application and interview. Build that time into your contract.

8. What has been updated inside the unit, and is it permitted?

A renovated unit saves you time and money, but ask what was done and whether permits were pulled. In #708, the work includes a new quartz kitchen with new appliances, 24" x 48" porcelain floors over sound-barrier underlayment, smooth ceilings, custom walk-in closets, an in-unit Bosch washer and dryer, and a built-in electric fireplace wall.

Want Help Reviewing a Condo?

Condo documents can be long and technical. I'll help you get the right papers and know what to look for. If #708 is on your list, it's a 2 bed, 2 bath, 1,416 sq ft, 7th-floor unit with golf course and lake views, listed at $233,000 as of October 2026 (MLS # A12082218).

View the listing or contact Susan J. Penn at 954-557-5993.

This post is general information, not legal advice. Florida condo law continues to change; confirm current requirements with a real estate attorney and the association.