Treasury
3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp 3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp 3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp 3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp 3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp 3-MO 3.91% +8bp 6-MO 4.02% +4bp 1-YR 4.07% -1bp 2-YR 4.25% -3bp 3-YR 4.32% -2bp 5-YR 4.40% -5bp 7-YR 4.54% -5bp 10-YR 4.70% -5bp 20-YR 5.23% -5bp 30-YR 5.23% -4bp
US Treasury par yield curve · Aug 3 · Source: U.S. Treasury
Monday, August 3, 2026
U.S. Edition
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The Florida condo and HOA desk

Milestone inspections, structural reserve studies, special assessments, insurance, and the money consequences of living in, buying into, or serving on the board of a Florida association. A standing beat, covered from the primary documents.

More than a quarter of Florida's housing sits inside a condominium or homeowners association, and since the Surfside collapse in 2021 the state has rebuilt the rules those buildings live under. The new framework arrives as a series of deadlines, studies, and funding mandates, and each one lands on unit owners as a number: an assessment, a reserve contribution, a higher monthly fee, or a change in what a buyer will pay for the unit. That collision of safety law and household money is this desk's beat.

The deadlines that matter

These are the load-bearing dates in current Florida law, from the statutes themselves, linked so you can read the exact text.

Milestone structural inspections. Under section 553.899, Florida Statutes, every condominium or cooperative building three habitable stories or taller must have a structural inspection by an architect or engineer by December 31 of the year it turns 30, and every 10 years after that. Local governments may require it at 25 years where conditions such as salt water proximity warrant. Buildings that were already 30 before July 2022 were due by the end of 2024, and buildings turning 30 between mid 2022 and the end of 2024 were due by December 31, 2025. A phase one visual inspection that finds substantial structural deterioration triggers a mandatory phase two, which can include testing.

Structural integrity reserve studies. Under section 718.112, Florida Statutes, associations with buildings three stories or taller must complete a structural integrity reserve study covering the roof, structure, fire protection, plumbing, electrical, waterproofing and exterior painting, windows and exterior doors, and any other item whose replacement or deferred maintenance exceeds a $25,000 inflation-adjusted threshold. Owner-controlled associations that existed in mid 2022 must complete the first study by December 31, 2025, or December 31, 2026 where it is combined with a milestone inspection, and repeat it at least every 10 years.

The end of reserve waivers. For budgets adopted after December 31, 2024, the same statute bars unit owners from voting to fund no reserves, or reduced reserves, for the items a structural integrity reserve study covers. The decades-old habit of keeping monthly fees low by waiving reserves is over, and the catch-up is arriving in budgets now.

What this desk covers

Special assessments. The single number owners care most about. We report significant assessments as they surface in board actions, court filings, and local coverage across Florida, with what drove them.

Buildings in real trouble. Receiverships, condemned or evacuated buildings, failed associations, and condominium terminations, reported from the court docket or the agency record.

Insurance. Association master policies are among the hardest property risks in the state. We follow premiums, carrier behavior, Citizens' condo exposure, and the state regulator's actions as money stories for unit owners.

The law as it changes. Each legislative session has amended this framework, and the deadlines above reflect the statutes as they read today. When Tallahassee moves the rules again, the coverage explains what changed and this page is updated to match.

If you are buying into a Florida condo

Before contracting on a resale unit in a building three stories or taller, ask for three documents: the most recent milestone inspection report, the structural integrity reserve study, and the current budget showing how the reserves it calls for are actually being funded. A building that cannot produce them is telling you something. The gap between "the fee is low" and "the reserves are funded" is where five-figure assessments live.

Southwest Florida coverage runs daily in our SW Florida section, and our live trackers carry related running data. Statewide condo and HOA stories appear across the site's sections as they break.

This desk reports from primary documents: statutes, filings, budgets, and agency records, linked from every story. Corrections: corrections@moneyandworld.com.