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Condominium Buyers & Sellers

Condominium Buyers & Sellers · Miami

Beyond the unit. Understand the building. Protect your move.


A condominium transaction includes the unit, the association, and a stack of documents that affect financing, monthly costs, use, and resale. Florida’s building safety rules have made those documents more important than ever. We help buyers look beyond the finishes and help sellers prepare for the questions that slow a sale down.

Buyer & seller representation Brickell · Coral Gables · the beaches Bilingual English · Spanish Since 2007
Choose Your Side of the Transaction

Buying a condo? Selling one? Start in the right place.


A polished kitchen will not tell you how the association operates. Open the path that fits your move and build a document list before a deadline is looming.

I am buying. What should I request?

  • The declaration, bylaws, and rules, including amendments
  • The current budget, financial statements, and reserve schedule
  • The milestone structural inspection report and the structural integrity reserve study, where the building is required to have them
  • Recent board meeting minutes and any proposed or approved special assessments
  • The master insurance policy summary and deductibles
  • The approval process, fees, and timeline for new owners
  • Pet, rental, parking, and renovation rules

I am selling. What should I organize?

  • The current dues and a clear description of what they cover
  • The management contact and the estoppel and document request procedure
  • Governing documents, financials, insurance information, and assessment notices
  • Inspection and reserve study reports the building has completed
  • Records of unit changes, approvals, and your maintenance responsibilities
  • Your own condo insurance policy and any claims history

A missing document is an unanswered question, not proof that the association is sound or unsound. Obtain the facts and professional review before deciding what the risk means for you.

Florida’s Building Rules

What changed, and why buyers and lenders ask about it.


Milestone inspections

Buildings three stories or taller must complete structural milestone inspections once they reach a set age, with local governments able to require them earlier near the coast. Ask whether the building has completed its inspection and what the report found.

Structural reserve studies

Associations must complete a structural integrity reserve study and fund reserves for the structural items it covers. That can raise dues or trigger assessments in buildings that previously waived reserves.

Your window to review

Florida gives resale condo buyers a short period to cancel after receiving the required association documents. Use it to read them, with your attorney where needed, rather than letting it expire unnoticed.

Requirements, dates, and exemptions change as the Legislature amends the law. This is a reason to ask the right questions, not a legal summary. Confirm specifics with the association and your attorney.

The Monthly Fee Is One Line

Compare the responsibility, not only the dues.


Ask aboutWhat to compareWho can help verify
Routine expensesWhich utilities, insurance, amenities, security, and services are included, and what you still pay separately.The current budget, governing documents, and manager.
Large projectsWhat work is planned, how it is funded, and whether assessments are proposed or approved.Association records and notices, with attorney review of obligations.
InsuranceWhere master coverage ends, what your own policy must cover, and how deductibles are shared.The master policy and your insurance agent.
Your intended useWhether the written rules affect pets, parking, rentals, renovations, or other plans important to you.Current rules and amendments, confirmed by the association.
FinancingWhether lenders will approve loans in the building, based on its questionnaire, reserves, insurance, and owner occupancy.Your lender, early in the process.
How It Works

A clear five-step condo plan


1

Start with your goals

Timing, budget, property, and non-negotiables. If you are selling and buying, we map how the two transactions work together.

2

Build the condo checklist

For buyers, the building information to evaluate. For sellers, the documents and details that support a smoother listing.

3

Price, search, or prepare

Buyers begin a focused search across buildings. Sellers receive a pricing and preparation strategy for the unit, the building, and the competing inventory.

4

Negotiate with the full picture

We manage the offer, deadlines, inspection, document delivery, association approval, and condo-specific questions.

5

Coordinate the closing

Estoppel, approvals, walk-through, closing, keys, and any agreed occupancy details.

Frequently Asked Questions

Questions condo buyers and sellers ask in Miami


Are older buildings a bad idea now?

No. A well-run older building with a completed inspection, funded reserves, and clear records can be an excellent purchase. The documents tell you which buildings those are.

How long does association approval take?

It varies from days to several weeks. We ask on day one so the contract timeline fits the building’s process.

I am selling. Will the new rules hurt my price?

Buyers price in uncertainty. A seller who can hand over the inspection report, the reserve study, and the budget removes that uncertainty, which protects the price.

Is new construction simpler?

In some ways. New buildings start with fresh systems and warranties, but pre-construction has its own deposit and timing rules. The developer checklist →

Your Advisors

Ana Maria and Nicolas Pol


A family owned boutique brokerage serving Miami since 2007, in English and Spanish, for local families and international buyers alike.

Ana Maria Pol

Ana Maria Pol

Principal Broker & President

954.270.8759
ana@polrealty.com

Nicolas Pol

Nicolas Pol

Real Estate Agent & Marketing Coordinator

954.604.2415
nicosellsmiami@gmail.com

Dedicated to you. Committed to excellence.

Pol Realty · 9825 SW 77th Pl, Miami, FL 33156 · info@polrealty.com · Equal Housing Opportunity. Information deemed reliable but not guaranteed. This page is general guidance, not legal, tax, lending, or insurance advice.