By Paul Waldmiller
Did you know that Home Owner Associations across Florida may soon disappear?
A new legislative proposal in Florida, House Bill 65, could empower homeowners to legally dissolve their Homeowners Associations for the first time. Filed on December 4, 2025, by Florida State Representative Juan Carlos Porras (R-Miami), the 32-page bill aims to overhaul Florida’s HOA and condominium laws. The proposed bill is in response to months of homeowner complaints and growing frustration over what many HOA residents describe as overreaching and opaque HOA governance throughout the state.
The bill itself establishes the “Homeowners’ Association Dissolution and Accountability Act, creating a formal legal process for communities to terminate their HOAs if they no longer serve residents’ interests. Under HB 657, the process to dissolve an HOA begins when 20% of homeowners sign a petition to dissolve the HOA. Once submitted, the HOA board must convene a meeting within a 60-day period to address the proposal. A two-thirds majority vote of all voting members is required to approve the dissolution.
If the vote fails, residents must wait 18 months before attempting again. This structured process aims to balance homeowner autonomy with community stability.
Upon approval, the HOA board would remain temporarily to:
- Settle debts and contracts
- Liquidate assets
- Maintain property
- Defend or initiate legal actions
- Distribute remaining assets to homeowners
Judicial oversight would ensure proper handling of assets and obligations during the wind-down period.