Florida Homestead Laws

Ok this isn’t about Homestead tax exemption. It’s about something in the Florida constitution. Florida laws do much to protect an owner occupied homestead from force-able sale. There are only three types of liens that can attach to a owner occupied homesteaded property (again this requires filling out a form separate from the homestead tax exemption and filing it with the county.) The three possible liens would be 1-for not paying taxes, 2-a mortgage on the property in question and 3-a mechanics lien for work done on the property in question. No other liens can attach to the property in question. (This doesn’t stop liens from being attached to other property.)

Anyway, I lately learned about this and have started doing some research. Not far along with it but good info to know it’s out there.

So, a homestead owner occupied property that is not a public business doesn’t need to allow code enforcement onto the property without a warrant. And apparently administrative warrants are not issued for owner occupied homestead properties. I do not yet know how this affects things like building codes and building inspectors or even building permits for owner occupied and owner builder sorts of things. I suppose to a large extent it would depend on if there is a bank loan involved or if the property is ever going to be sold.

Anyway still learning and will hopefully be able to expand on this topic for those who are interested.

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