New Florida HOA Bill Could Change How Communities Operate — Here’s What Homeowners and Buyers Should Know

 

 

 

 

 

 

 

 

 

 

 

 

Homeowners associations (HOAs) are a major part of Florida’s housing landscape — nearly half of all homes in the state are governed by one. But ongoing frustrations with transparency, costs, and enforcement have brought new reform efforts to the Florida Legislature that could reshape how HOAs operate, and in some cases, give residents the power to dissolve them entirely. 

What’s Happening in Tallahassee?

A new proposal, House Bill 657, has been filed for the 2026 legislative session and is currently moving through committee hearings. Sponsored by Rep. Juan Carlos Porras, this legislation — known as the Homeowners Association Dissolution and Accountability Act — aims to overhaul HOA governance, disputes, and accountability in communities across Florida. The Florida Senate

Key Features of the Proposed Bill

Here’s a breakdown of the most notable aspects of the bill:

1. Homeowners Could Vote to Dissolve Their HOA

Perhaps the most groundbreaking provision would allow residents of a community to petition and vote to terminate their HOA under certain conditions. If at least 20% of homeowners sign a petition, the board must schedule a meeting, and with approval from two-thirds of members, the HOA could be dissolved. If dissolved, the board must settle debts, distribute any remaining funds, and follow a termination plan filed with the state. 107.9 WSRZ

2. New Legal Framework for HOA Disputes

The bill would create a Community Association Court Program — a specialized judicial process to handle HOA disputes and enforcement — rather than relying on the traditional Department of Business and Professional Regulation complaint process. The Florida Senate

3. Accountability and Transparency Requirements

HB 657 would require HOAs to update governing documents, provide clear notice and procedures for termination votes, and impose penalties — including potential fines — on HOA officers who misuse association funds to influence those votes. 107.9 WSRZ

Why This Matters to Florida Homeowners and Buyers

Homeowner Empowerment

Supporters of the bill argue it gives residents more control over a system that can feel opaque and unaccountable. For some, the possibility of dissolving an HOA offers a sense of empowerment, especially in communities that struggle with high fees or restrictive rules. WESH

Maintaining Property Values

But not everyone agrees that dissolution is the right fix. Real estate professionals caution that HOAs — despite their flaws — often play a key role in maintaining community standards, common areas, and property values. Removing that structure could have unintended consequences on home pricing and neighborhood upkeep. Realtor

Ongoing Debate and Complex Outcomes

HOA reform sentiments have been building across Florida for months, with homeowners expressing a range of views — from wanting stronger accountability and clearer dispute resolution, to wondering whether abolishing HOAs entirely is even feasible. Many residents benefit from the services HOAs provide, while others find their rules and fees burdensome. WLRN

Where Things Stand Now

As of late December 2025, HB 657 has been filed and referred to committees, but it has not yet been voted out of subcommittee or received a companion bill in the Senate. If passed, it would take effect in July 2026. The Florida Senate

With the 2026 legislative session set to begin in January 2026, this bill is likely to spark more discussion and potential amendments as lawmakers weigh both homeowner rights and community stability. https://www.wcjb.com

What This Means for Buyers, Sellers & Realtors

• Buyers should be aware that HOA dynamics could shift in the future, affecting disclosures, governance, and community rules.

• Sellers may want to monitor these developments, as changes in HOA law could become a talking point in marketing or negotiations.

• Agents should stay informed so they can counsel clients accurately on HOA-related risks and reforms.

Whether you love your HOA or hate the rules, change may be coming — and staying informed helps you make the best real estate decisions in Florida’s evolving market.

 

This Blog is for informational purposes only.