Miami Condo Due Diligence

Miami Condo Documents Checklist for Buyers

Get the documents early, understand which ones are legally required, and then add the building-specific records needed to answer the actual purchase question.

Updated August 8, 2026Florida condominium focusEdgewater Insider monitors 40 main Edgewater condo buildings

Due Diligence Hub / Document Checklist

Florida's resale package is the starting point, not the finish line. Current law entitles a condominium resale purchaser to specified governing, financial, inspection and reserve documents. A decision-grade review usually adds project, insurance, assessment and recent governance records.

Priority	Document / evidence	Why request it
Core	Declaration, articles, bylaws, rules	Ownership rights, leasing, pets, parking, alterations, use restrictions
Core	Annual budget + annual financial statement	Operating costs, reserves, debt and financial position
Core	Frequently Asked Questions & Answers	Statutory summary of key condominium information
When applicable	Milestone inspection summary	Structural inspection findings
When applicable	Most recent SIRS	Major component costs and reserve funding plan
When applicable	Turnover inspection report	Post-developer-control building review
High value	12–24 months of board / membership minutes	Projects, assessments, bids, rule changes, owner concerns
High value	Current insurance evidence / policies	Coverage, deductibles and lender review
High value	Special-assessment package	Purpose, unit amount, schedule, remaining balance and project scope
High value	Engineering reports / repair protocols	Actual scope behind capital work
High value	Major contracts / loan information	Future association obligations
Use-specific	Rental, parking, pet and renovation rules	Whether the building fits how you plan to use the unit

Current Florida resale disclosure

Know the statutory package and your contract deadlines

As of August 8, 2026, current Florida law specifies a seven-day voidability period for nondeveloper condominium resales tied to receipt of certain required documents, excluding Saturdays, Sundays and legal holidays. The statute also addresses milestone/SIRS/turnover-report disclosures. Your purchase contract may contain separate inspection, financing or condominium-rider deadlines.

This is a summary of current statutory provisions, not legal advice or a calculation of any specific transaction deadline. Always read the executed contract and obtain legal advice when a cancellation or extension right is important.

Primary sources

Official references used for this guide

Rules and lending standards can change. These are the government and agency sources this page was checked against.

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Know the statutory package and your contract deadlines

Official references used for this guide

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