Florida Condo Law Changes Go Into Effect July 1, 2025: Here’s What You Need to Know
By Meredith Amon, Licensed in Alabama and Florida
"Guided by Integrity. Backed by Experience. Search the Gulf with Meredith Amon."
If you're buying or selling a Florida condominium in 2025, it's time to familiarize yourself with major changes that will soon affect disclosure timelines and contract forms. Florida has passed legislation impacting both condominium and cooperative sales, including the implementation of revised addenda and extended buyer review periods.
These reforms go into effect July 1, 2025, and reflect an ongoing push for transparency, safety, and consumer protections in Florida’s shared-interest communities.
Highlights of the New Disclosure Rules and Forms
Comprehensive Rider to the Florida Realtors®/Florida Bar Contract for Sale and Purchase (CR-7)
Updated to reflect changes to Section 718.503 of the Florida Condominium Act.
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Extends the buyer’s right to review condo association documents from three to seven business days (excluding weekends and holidays).
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Requires sellers and their agents to provide this disclosure using the newly updated form, effective for all contracts signed after July 1, 2025.
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These updates were developed by the Florida Realtors–Florida Bar Joint Committee as part of ongoing revisions to improve buyer protections.
This is a critical timeline change for anyone buying into an HOA or condo association.
CRSP17x_F Condominium Addendum (Addendum to the Contract for Residential Sale and Purchase – CRSP17)
This updated addendum now:
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Notifies all parties and licensees that sellers are responsible for completing the form.
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Reflects the new seven business day review period for buyers to evaluate:
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Condominium documents
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Milestone inspections
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Turnover inspections
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Structural Integrity Reserve Study (SIRS) reports
These changes empower buyers with more time to make informed decisions in high-stakes markets like Pensacola Beach, Destin, and Navarre.
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Cooperative Addendum (COOP-4)
Mirroring the updates in the condo forms, the revised COOP-4:
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Includes provisions for milestone inspections and SIRS disclosures
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Provides seven business days for the buyer to review all cooperative documents
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Clarifies seller responsibilities and inserts a notice section for buyer-seller coordination
???? This ensures consistent protection across all shared ownership structures—not just condominiums.
???? More Updates You Should Know
These changes complement other provisions including:
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Association websites must display board minutes for the last 12 months by January 1, 2026
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Financing disclosures are now part of year-end financial statements
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Non-structural reserve item thresholds have increased from $10,000 to $25,000, indexed annually
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CSRS (Structural Integrity Reserve Study) deadline extended to December 31, 2025, for pre-July 2022 condos
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Associations may now invest reserve funds in CDs or insured bank accounts
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Addendum A has been revised to require association and management company identification at the top
???? Timeline Recap
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July 1, 2025: All new forms and disclosure periods go into effect
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December 31, 2025: Deadline for CSRS compliance for older buildings
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January 1, 2026: Mandatory association websites must be live with required documents
???? Next Steps for Buyers and Sellers
If You're a Buyer:
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Expect a longer review period—use those 7 business days to evaluate all HOA documents carefully
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Consider requesting optional materials like board meeting minutes from the last year
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Visit www.searchthegulf.com to find condos that meet Florida’s evolving standards
If You’re a Seller:
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Prepare your updated disclosure forms now to avoid delays
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Understand what’s required in the revised CR-7 and CRSP17x_F forms
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Be ready to explain assessments, SIRS compliance, and reserve funds with transparency
Whether you're interested in a condo with Gulf views, a cooperative near the bay, or an investment property in a resort area, these legal changes impact how we handle disclosures and protect consumers. I'm here to help you navigate each step with clarity and confidence.
Let’s talk about how to align your real estate goals with the newest compliance requirements across Florida’s Gulf Coast.
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