Do not rely on listing remarks or marketing language alone. Request written confirmation and the current governing provisions from the association or its attorney.
CLIENT ASSOCIATION DUE DILIGENCE
HOA & Condo Research by Address
A professional research workspace for Lee County association contacts, resale documents, fees, approvals, amenities, inspections and district obligations.
STEVE KOFFMAN’S ASSOCIATION DUE-DILIGENCE TOOL
HOA & condo research by address
Map a Lee County property, identify its recorded community and search for management contacts and association documents.
55+ COMMUNITY ELIGIBILITY
Is this an age-restricted community?
Select the known status, then verify it against the recorded declaration, amendments, association rules and current buyer application.
FINANCING ELIGIBILITY
FHA condominium approval
Search HUD using the condominium’s legal project name, then record the current status and expiration shown—not a marketing claim or an old approval letter.
Use HUD’s official search and have the buyer’s FHA lender confirm both project and unit eligibility.
Search HUD’s FHA-approved condominium database ↗CLUB & AMENITY COSTS
Golf, social membership and spending minimums
Enter amounts only from the current club schedule or written association response. The report keeps recurring charges separate from one-time transfer or initiation costs.
BUYER RISK REVIEWIs it required? Is it completed?
Milestone inspection evaluator
Enter the building year and habitable stories to evaluate.
Completion is unknown. Request the sealed Phase 1 report, any Phase 2 report and written local-government compliance status.
Right of first refusal or association purchase right
Review the declaration, amendments and resale procedures for any association, member or third-party right to match the contract, purchase the unit, approve the purchaser or issue a waiver. Confirm the required notice, contract delivery, decision period and recorded waiver before closing.
Financial health
- Current budget, reserves and most recent financial statements
- SIRS funding and milestone-repair obligations
- Pending or proposed special assessments
- Owner delinquency, collections and association loans
- Insurance coverage, deductibles and open claims
- Litigation, code violations and construction-defect claims
Ownership and rental restrictions
- Buyer approval, interview and background check
- Minimum ownership period before leasing
- Rental caps, waiting lists and minimum lease term
- Age restrictions and required occupancy
- Pet, vehicle, pickup-truck and commercial-vehicle rules
- Guest, family and short-term rental limitations
Closing and recurring costs
- Condo/HOA, master and neighborhood assessments
- Capital contribution, initiation and transfer fees
- Golf, marina, dining or club membership obligations
- CDD debt and operations assessments
- Estoppel, application and background-check charges
- Planned fee increases and budget adoption date
Physical and operational condition
- Roof, elevators, balconies, seawalls and fire systems
- Milestone Phase 1/2 findings and repair permits
- SIRS component lives and funding schedule
- Hurricane damage, insurance proceeds and unresolved work
- Water intrusion, mold and engineering reports
- Open permits and local code-enforcement matters
Documents to request before relying
- Declaration and every current amendment
- Articles, bylaws, rules and current application
- Budget, financials, reserve study and meeting minutes
- Milestone report, SIRS and repair contracts
- Insurance summaries, claims and litigation disclosure
- Current estoppel and written right-of-first-refusal waiver