(850) 473-3983

Facebook icon Instagram icon Twitter icon YouTube icon
How to Find HOA Documents Rules and Regulations


Are you considering purchasing a home in a home or condo association? Before renting or buying a home in a covenant enhanced community, you should be fully aware of the homeowner's association and the rules governing the community.

Florida laws allow certain time periods to rescind from contracts when purchasing a condo in a condominium association but does not have the same resicion period for single family homes in a neighborhood. Prior to entering into a contract for a residential property, you should be aware of and have reviewed the HOA documents relevant to the community.

The most relevant HOA documents you should receive and review include:

  • Covenants and Restrictions
  • Rules and Regulations
  • Community By-laws 
  • Annual Meeting Minutes
  • Financial Information

But how do you find these documents?

There is unfortunately not a great public database to collect these documents, and you must be aware that these documents can be voted on and changed. Because we manage several neighborhoods, we get this call a lot so we have some tips for you.

  • Legally, it is the responsbility of the property owner to provide a prospective buyer with the homeowner's association documents and other pertinent information. The best place to get these documents is from the property. 

There are several ways you can look up rules for a covenant enhanced community! 

  • Many HOA management companies have these documents and some of them are available online. You can find these by searching google and including HOA with the subdivision name. 

Our company manages 30 local home and condo associations in the Pensacola area. Each of our communities has a website with the relevant documents you need uploaded to the website. You can find a list of local Homeowner and Condo Associations Realty Masters managers here: https://pensacolarealtymasters.com/hoa-pensacola-condo-associations-homeowner-associations

  • Realtors are another great resource! We have access to the Pensacola Multiple Listing Service (or MLS) which stores pertinent documents related to transactions. An experienced realtor can identify properties that have sold recently in the same HOA or condominium community and locate a copy of the covenants and/or the association manager. 

Don't know which community a property is located in? Or if there is an active HOA? One of the best ways to find out is to visit the Escambia or Santa Rosa County Property Appraiser, search the property address, and find the subdivision name in the legal description.

  • Once you have the name of the subdivision, visit the Florida Division of Corporations Website to search the subdivision name. Here, you will find a list of active corporations across the entire state. You can identify the corportation easily by viewing the addresses associated with the "Registered Agent" and/or "Officers." Keep in mind, there may be several similarly named communities across the state of Florida, however, only likely one in the Pensacola area. Additionally, you will most likely find the words Condo Association, Owners Association, or Homeowners Association in the corporation name. 

While the documents are not stored on this website, it does typically show the community association manager and/or the board of directors for the community. Often you can google these contacts to find a phone number, email, or website, or at minimum their address so inquiries can be made. 

As many associations have a company that handles their affairs, a company name is likely to appear for easy contact. 

If you find a community name, but see it is inactive, it's likely that the association was dissolved, but it's best to verify with the title company. You should never sign a contract to move into a HOA neighborhood without reading the rules that govern the community. 

Let us know if you have any questions! 

Nicole St. Aubin, Broker Associate

Realty Masters of FL
4400 Bayou Blvd. #58B, Pensacola, FL 32503
(850) 473-3983 www.PensacolaRealtyMasters.com
Follow us on Facebook ~ Twitter ~ YouTube 

originally posted 01-04-2018

Nicole St. Aubin
How to Find HOA Rules

  • Opportunity Zones and Capital Gains Taxes
  • Maintenance Expenses
  • October Community Events
  • HOA Management
  • Renters Insurance
  • Hurricane Insurance
  • Landlords
  • Community
  • Mailbox Key
  • Real Estate Investments
  • Wear & Tear Versus Damage
  • Pest Control
  • Moving Resources
  • Blue Angels
  • Rents in Downtown Pensacola
  • Rent Assistance
  • Listing your Home for Sale and/or Rent
  • New Year's Resolutions
  • Hurricane Michael
  • Smoke Detectors
  • Key Safety
  • Downsizing
  • Holiday Events
  • Septic Tanks
  • Gulf Power Outage Map
  • Moving Tips
  • Burning Outdoors
  • Lawn care
  • Multi-family
  • Fall Events
  • #spotthebear
  • Safety
  • HOA
  • School Grades
  • Bulk Item Pick Up
  • Housing Scams
  • Subleasing
  • Steps for First Time Home Buyers
  • 20 Year Anniversary
  • HVAC
  • House Hunting Tips
  • Real Estate Market
  • Seminars and Personal Assistant
  • Rent or Sell
  • Pensacola area Zip Codes
  • Build Credit
  • New Construction in Pensacola
  • Energy Tips
  • How to Find HOA Rules
  • Preparing for Freeze
  • Holiday Safety Guide
  • Maintenance Do's and Dont's
  • Home Warranties
  • Credit Score
  • Roads
  • Unapproved Dog List
  • Maintenance Tips
  • Pensacola Rental Inventory
  • Home Buying
  • Tenants
  • Pensacola Rental Homes
  • Beulah Middle School Construction
  • Safety Tips
  • Things to Do
  • Realty Masters Team
  • Item Donations
  • Pensacola Rental homes
  • Bed Bugs
  • Moving out
  • Community Involvement
  • Managing Rental Properties
  • rental market
  • Pensacola Real Estate Market
  • Baby Boomers
  • Buying A Home
  • Waterfront real estate
  • New Construction
  • Closing Costs in Real Estate Sales
  • Senior Housing Communities
  • first time home buyers
  • Selling your home
  • Buying a Home
  • Capital Gains Taxes & Opportunity Zones
  • The Price You Pay- Maintenance Expenses
  • Fall Pensacola Area Events
  • How to Report an HOA Violation
  • 3 Reasons to Get Renters Insurance
  • Nicole St. Aubin Benavente
  • Erica Parker
  • MacKenzie Rathbun
  • Pam Keen Brantley
  • Nicole St. Aubin
  • Rebekah Perkins
  • Michael Longsdon
  • Julie Benson
  • Jay Schwartz
  • Chuntell Patterson
  • Carlin Symmes
  • Realty Masters
  • David Keen
  • Mitch Adcox
  • Rick Puckett
  • Sheri Harris