Sarah B Stoud,Real Estate

04/18/2026

👉 Don’t be Uncertain About the Cone of Uncertainty

Expect some changes to the National Hurricane Center's (NHC) famed forecast cone this season.

🌀 The cone will now include tropical storm and hurricane watches and warnings for inland areas, as well as coastal areas. The example shown here of the new format is from Hurricane Milton in 2024. This was done to show that impacts can be felt far inland as well.

‼️ Important things to remember:

⛑️ Be prepared even if you are not in the forecast cone.
🌀 A hurricane is not a single point; impacts can be felt for hundreds of miles.
⚠️ Only follow the official forecast cone produced by the NHC.
🔈 Heed all watches and warnings.

To see the latest watches and warnings during hurricane season from the NHC, visit:

https://www.nhc.noaa.gov/

04/09/2026

https://www.miamiherald.com/opinion/op-ed/article315253413.html

In the Hammocks HOA case, the Miami-Dade State Attorney’s office secured arrests and convictions involving theft of millions of dollars. | Opinion

04/03/2026

Memories! Real estate has been my thing since 1983. Just 1 of many memories.

03/20/2026

New Book, 245 pages, by Sarah B.
But wait until the next one! Real life of Condo Living... coming soon.

03/03/2026

03/02/2026

My husband is a Veteran
Is yours? We used Roy. I so recommend him. Ask me why!

We’re proud to honor our Veterans this week and every week! 🇺🇸
VA Loans are one way we can help give back, offering eligible Veterans and service members a powerful path to homeownership.
Thank you for your sacrifice, strength, and service. 💙🏡

03/02/2026

This and This.

02/24/2026

Your thoughts..

HB 657 could push HOA disputes straight into court. That means more lawyers. More legal fees. More financial exposure for homeowners.

For decades, Florida required mediation first to help resolve disputes early and reduce costs. HB 657 would dismantle that structure.

Read the post: https://www.condocrazeandhoas.com/post/hb-657-is-going-to-hurt-hoa-members-representative-porras-lets-talk-about-it

If you believe homeowners should not be forced into expensive litigation as a starting point, speak up.

Contact Juan Carlos Porras for FL State Representative, District 119 here:
https://www.flhouse.gov/Sections/Representatives/contactmember.aspx?MemberId=4898

Be respectful. Ask the hard question:
Why eliminate a system designed to protect owners from crushing legal costs?

Silence won’t protect your wallet.

02/23/2026

Florida Condominium Reserve Funds (Chapter 718)
Mandatory Reserves: Condominium associations must include reserve accounts in their budget for capital expenditures and deferred maintenance, including roofing, painting, paving, and items exceeding $$$10,000.
Strict Limitations: Recent, stricter Florida laws (e.g., SB 4D) have restricted the ability of condominiums to waive or reduce reserves for specific items, prioritizing structural integrity.
Formula: Reserve amounts must be calculated based on the estimated remaining useful life and replacement cost of each asset.
Online Sunshine
Online Sunshine
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General Financial Rules (Both HOA & COA)
Separation of Funds: Reserve and operating funds must be maintained in separate accounts.
Developer Restrictions: Developers cannot use association funds for their own purposes, particularly to defend lawsuits against them in a developer-controlled association.
Reporting: Associations must provide annual financial reports. The type of report (compiled, reviewed, or audited) is determined by the total annual revenue (e.g., $$$150,000+ requires more detailed reporting).
Florida Senate (.gov)
Florida Senate (.gov)
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Overview of Key Differences
Mandatory Status: Condo (COA) reserves are mandatory; HOA reserves are optional.
Waiving Reserves: Condos have stricter rules against waiving reserves than HOAs.
Scope: HOA reserves are often specific to common area, while COA reserves cover structural, long-term building needs.