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Trusts, Wills, and Community Associations in Florida: What Boards Need to Know

Written by Heidi Hensell

December 24, 2025

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In Florida’s condominium and homeowners’ associations, many properties are held in trusts or are part of an estate—especially in retirement or vacation communities. For association boards and community managers, knowing how trusts and wills interact with association governance is essential to ensure smooth operations, legal compliance, and respect for resident rights.

Who Owns the Unit?

When property is held in a trust, the trustee is the legal owner. That means the trustee has the right to vote in association matters, receive all official communications, and pay assessments. If the owner dies and their property goes through probate, the personal representative of the estate may temporarily have those legal powers until the title is transferred. Boards should verify documentation such as trust certificates, death certificates, or letters of administration to confirm who holds legal title at any time.

Key Considerations for Associations

Voting Rights & Meetings

Boards must verify who is entitled to vote or speak at meetings. If a trustee holds the property, the association should ensure that trust documents are on file, and that the trustee is properly designated. If probate is involved, the personal representative may need to be recognized temporarily. Without clear documents, disputes can arise.

Delinquent Accounts & Assessments

The obligation to pay assessments doesn’t disappear just because the owner is deceased, or the unit is in a trust. The association can pursue assessments and may place liens—even during probate or while the trust is in effect—depending on the governing documents. Clear policies and record‑keeping help avoid confusion when payments are missed.

Transfer of Ownership

When ownership transfers—whether from a trust or the estate—to a new owner, the association’s usual rules for application, screening, and documentation must be followed. That includes updating the association’s owner records, mailing address, contact info, voting registration, and collection of any applicable fees or dues associated with the transfer.

Florida‑Specific Legal Tips

Official Records Requirement: Under Florida Statutes § 720.303 (for HOAs) and § 718.111 (for condominium associations), associations are required to maintain accurate and current records of owners, including trustees or legal representatives.
Notification Rules: Associations must send notices (e.g., meeting notices, assessment notices) to the rightful party of record. If ownership has changed because of a will or trust, that must be reflected in the association’s records to ensure proper legal notice.
Probate & Estates: If property is in an estate, the personal representative may temporarily step in, but formal title transfer is needed for long‑term control and consistent communications.

Best Practices for Boards

Require new owners (including trust beneficiaries) to provide legal documentation (trust certificates, letters of administration, death certificates) so the association has clear ownership records.
Establish written rules for verifying who can vote, who receives notices, and who pays assessments in trust/estate situations.
Keep governing documents (CC&Rs, bylaws, declarations) updated and reviewed by legal counsel to clarify ownership and fiduciary responsibility.
Maintain clear communication with owners who hold property via trust or are involved in probates, so they understand their rights and responsibilities.
Ensure insurance and liability policies are consistent—if damage or legal issues arise, knowing who the legal owner is makes a difference in responsibility.

Final Thoughts

Trusts and wills may add legal complexity, but with clear procedures, diligent record‑keeping, and legal understanding, community associations in Florida can navigate these situations confidently. Ensuring that the association knows who owns a property, who can vote, and who pays assessments protects the association’s interests and respects the rights of current and future owners.