New Florida Bill Would Let Homeowners Dissolve Their HOA
Published by Cash Flow Deals · Last updated 2026-07-22 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903)
No - not yet, and maybe not ever for your specific HOA. The bill covered by WPEC would give Florida homeowners a path to vote to terminate their community association, framed by supporters as a measure that "puts homeowners first," but as of this report it was newly filed and had not become law. Until - and unless - it actually passes, every HOA rule currently attached to your property still controls your sale: assessments, transfer approvals, estoppel requirements, and any existing violation or lien issues. If you're in a Palm Beach County community like Boca Raton, West Palm Beach, Boynton Beach, or Greenacres and you need to sell before that legislative process plays out, plan your sale around the HOA rules that exist today, not the ones that might exist someday.
What This Means for Florida Home Sellers
WPEC (CBS12) reported that a new bill has been filed in the Florida Legislature that would let homeowners vote to terminate their own HOA - legislators pitching it as a measure that "puts homeowners first." That's a meaningful signal: it means lawmakers are hearing how much friction HOA disputes, special assessments, and restrictive approval processes create for owners who just want out. But a filed bill is not a law. It still has to clear committees and a floor vote before anything changes for an actual homeowner. For sellers in Palm Beach County's dense-HOA markets - Boca Raton, West Palm Beach, Boynton Beach, and Greenacres all have significant HOA and condo-association inventory - that means your listing today is still governed by your community's existing declaration and bylaws, not by a bill still working through Tallahassee.
Should You Wait to Sell Until HOA Termination Rules Change?
Waiting on a bill is not a selling plan. Most filed legislation dies in committee, and even a bill that becomes law would still require a homeowner vote process to actually dissolve any specific association - that takes time your sale timeline may not have. There's also a real cost to letting HOA friction sit unresolved: contested Palm Beach County disputes over unpaid assessments, liens, or estoppel disagreements are heard in Florida's 15th Judicial Circuit Court, the circuit that covers Palm Beach County, and a case that ends up there can add months to a closing. If your goal is to sell now, the decision point isn't "wait and see" - it's whether your current HOA standing is clean enough to close without delay, regardless of what happens with this bill.
What Florida Sellers Should Do Now
Pull your HOA estoppel certificate and current assessment ledger before you list - that's the document that shows exactly what's owed and whether anything is contested, and buyers' title companies will require it either way. Don't assume the pending bill changes your obligations today; treat your existing declaration and Florida's current HOA statutes as controlling until an attorney tells you otherwise. If your property already has an HOA dispute, lien, or violation attached, a sale can still move forward without waiting on Tallahassee - Cash Flow Deals works directly with Palm Beach County sellers on HOA-encumbered properties and partners with Silver Door Realty, a licensed Florida brokerage, to structure a novation sale around outstanding association issues instead of holding the property through an uncertain legislative session.
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What this means for your options
New HOA disclosure and reserve requirements can slow down closings and give buyers new leverage to renegotiate after inspection.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. A no-obligation offer, usually within one business day.
See your no-obligation cash offer before you decide anything.