Estoppel certificate

An estoppel letter is a snapshot of what one lot owes. A resale certificate or disclosure package is the broader document set a buyer should actually read. States name and cap them differently. At closing, two different pieces of paper get called "the HOA docs." Don't let that happen. An estoppel (estoppel letter, estoppel certificate, status letter) is the association's certified statement of the account: assessments owed, specials coming due, transfer fees, open noticed violations, sometimes insurance contacts. Title companies use it so the buyer doesn't inherit a surprise lien. The association is later estopped — blocked — from claiming more than it certified against someone who relied on it in good faith. A resale certificate or seller-disclosure package is the bigger pile: CC&Rs, bylaws, rules, budget, reserve study, minutes, insurance summary, rental restrictions. That's what you read to decide whether to buy. Some states bundle the account snapshot into that package. Florida splits them. Florida Statutes section 720.30851: within 10 business days after a written or electronic request from a parcel owner, a mortgagee, or either's designee, the association shall issue the estoppel certificate. It must be delivered by hand, mail, or email on the date of issuance.

This is general information from an AI helper, not legal advice. Confirm it against your documents and your state's law. If a deadline or hearing is coming up, talk to a licensed lawyer.