Free Tool · No Email Required · Florida Statute §720.305

Is your Florida HOA fine actually legal?

Free statutory analysis in 30 seconds. Most Florida HOA fines violate at least one bright-line rule under Fla. Stat. §720.305 — and you don't need to pay anyone to find out.

Built directly from the statute (as amended by HB 1203, effective July 1, 2024). Six bright-line checks: the $100-per-violation cap, the $1,000 aggregate cap, written notice, 14-day cure window, hearing committee, and covenant-section citation requirement.

Step 1 · The fine

Fine amount (this notice) *

Dollar amount on the notice itself

Cumulative fines (if any)

Total accrued for this violation, if it's been ongoing

Number of separate violations cited

Usually 1. Higher only if the notice clearly lists distinct rule breaks

Step 2 · The notice

Did the HOA send a written notice? *

Text messages, emails, and community-app posts don't satisfy the statute

How many days to cure? *

days

The statute requires at least 14 days' notice

Did the notice cite a specific covenant section? *

Real citation ("Article IV, §4.2") — not vague terms like "nuisance"

Was a hearing before a 3-owner committee offered? *

By statute, the committee must be 3 owners who are NOT board members

No email required. Analysis runs entirely in your browser. We don't store these inputs.

What we check

Six bright-line statutory rules

§720.305(2)(a)

$100 per-violation cap

HB 1203 caps each individual violation fine at $100. We check whether your fine respects that, accounting for legitimately separate violations.

§720.305(2)(a)

$1,000 aggregate cap

Cumulative fines for a non-continuing violation can't exceed $1,000. The Association bears the burden of proving "continuing violation" — most enforcement actions don't meet that bar.

§720.305(2)(b)

Written notice requirement

Oral warnings, text messages, and community-app posts don't satisfy the statute. Fines without compliant written notice are facially defective.

§720.305(2)(b)

14-day cure window

The Association must give you not less than 14 days' written notice AND an opportunity for a hearing before a committee of three other owners. Anything shorter is a per se violation.

§720.305(5)

Specific covenant citation (HB 1203)

Notices must identify the exact section of the governing documents alleged to be violated. Vague notices ("nuisance," "unsightly," "rule violation") without a citation are unenforceable.

§720.303(5)

Statutory records request

You have an absolute right to inspect the Declaration, fining schedule, meeting minutes, and prior violation notices. The Association has 10 business days to comply. Records requests often surface selective-enforcement evidence.

This tool produces a statutory analysis based on the facts you enter. It is not legal advice, and AppealHOA is not a law firm. The paid product is the signature-ready dispute letter that asserts these arguments in formal legal prose, demands records under §720.303(5), and reserves §720.311 mediation rights. For complex cases (active lien, suit threatened) consult a licensed Florida attorney.