While single-family homes come with private yards and full responsibility, condos offer shared amenities and maintenance — with rules and costs governed by the COA (Condo Owner Association). Understanding the balance of freedom and structure is key, and we help you navigate both.

Condo Owner Association fees vary building to building and may cover things like water, cable, internet, landscaping, pest control, exterior insurance, building maintenance, community amenities, and reserves. We'll review the full scope with you so there are no surprises.

Rental rules are set by each building’s COA. Some buildings allow short-term vacation rentals; others may only permit long-term leases or no rentals at all. If you're purchasing with income in mind, this is a must-ask question.
📥 Want to see current rental rules for New Smyrna Beach or Volusia County condos?
[Submit your email here] and we’ll send over a downloadable guide to local rental restrictions.

Not all condo buildings are created equal. We help you assess the financial health of the COA by reviewing their reserves, budget, pending assessments, and any recent litigation or red flags. A beautiful lobby doesn’t always mean a well-run association — we’ll do the homework for you.

Some condos require specific financing based on their warrantability or association status. We work closely with lenders who know the ins and outs of condo approvals.

💡 Need a head start?

Visit [Mallorie Butler’s financing page] and click "Apply Now" to see what loan options work for your condo search.

Condo insurance is a mix of the COA's master policy and your personal HO6 policy for the interior. We'll help ensure you understand where the association's coverage ends and your responsibility begins — especially important in coastal zones.

Every COA has different rules. Some condos have weight limits, breed restrictions, or limits on the number of pets. If you’ve got a furry friend, we’ll focus your search only on buildings where they’ll be welcome.

Yes. Certain buildings are 55+ and require at least one full-time resident to meet the age requirement. We'll filter your search accordingly so you’re only viewing properties that match your lifestyle needs.

Assessments are special charges issued by the COA for large repairs or improvements. These can pop up unexpectedly if a building isn’t maintaining adequate reserves. We always dig into recent and upcoming assessments during the buying process to help you plan wisely.

Because no one knows these buildings like we do. From understanding COA documents and fees to knowing which buildings are investor-friendly or historically problematic, a local agent saves you time, money, and potential frustration.

We’ve walked the hallways, spoken with boards, and closed deals in nearly every oceanfront building in Volusia County. This isn’t guesswork — it’s proven experience, and it matters