Estoppel Letter

What is it?

               Do I need one?

                                    What does it contain?

                                                                  Where does it come from?

What Is an Estoppel Letter From a Homeowners Association?
An estoppel letter from a Homeowners Association (HOA), in this case the Wedgefield Homeowners Association (WHOA) is an Official Certification of a property owner or homeowner's financial obligations to the association, typically they are monthly maintenance fees, special assessments, fines, etc.

The “entire” Wedgefield Community is a Deed Restricted community as established and registered with the State of Florida by the Property Developer. The Developer transferred the enforcement of the Deed Restrictions, Rules and Restrictions, and By-Laws to the main WHOA which is now responsible for implementation and enforcement.

In the case of the WHOA, which is a “voluntary” association, a property owners financial obligations "may" include any fines and/or penalties that have been assessed against the property as a result of Architectural Control Committee review fees, any Rules and Restrictions infractions that may have resulted in fines and/or penalties, or any WHOA attorney legal
(current or pending) fees. Additionally it is verification that the WHOA is not in the process of assigning a Lien or does not already have a Lien placed against the property.

Estoppel Letter Use:
The normal use of an HOA estoppel letter is when a bank, Mortgage Company, Lending Institution or Title Company is considering financing a property purchase and needs to know how much money the current owner owes to the association.


  • Since the Estoppel Letter shows fees, charges, etc., the bank can learn if a seller has attempted to make any unauthorized changes to the residence, such as remodeling. It will also detail any outstanding charges to the homeowner.

  • For the buyer, the estoppel letter is a "snapshot" of what is owed on a certain date, so this prevents any confusion about homeowner association fees that could arise after the closing.

  • An estoppel certificate will contain information with respect to the common expenses and obligations that the current owner is responsible for. Other vital information included is:

  • Whether the association needs to approve a new owner.

  • Upcoming special assessments.

  • Additional sub-associations (other HOA’s).

  • It also outlines any existing balances and violations with respect to the association Deed Restrictions, Codes & Covenants and by-laws.

  • Acquiring this information can be timely and costly.

Fees and Costs:
The HOA may charge a “reasonable fee” to issue estoppel letters. A fee of up to $150.00 is generally recognized as being reasonable. The Wedgefield Homeowners Association only charges $50.00 to process an estoppel letter which also includes the Internal Revenue Service, Form W-9.

To insure a clean transfer of ownership when purchasing a residence or property, purchasers or escrow/title agents should acquire and review an up-to-date HOA Estoppel Letter also known as ‘Estoppel Certificate’ from the Homeowners Association before closing. It appears that, in the resale market, the estoppel certificate is as important or equivalent to the disclosure statement required in the sale of new homes.

CLICK HERE TO REQUEST AN ESTOPPLE LETTER or for more information contact:

Amy Goldie, WHOA Secretary

Phone: (321) 804-4773


Please send a request for an estoppel letter, along with a check for $50.00 to:

Amy Goldie Secretary,

Wedgefield Homeowners Association
P.O. Box 905

Christmas, FL 32709


Make the check payable to "Wedgefield Homeowners Association"
Please include all of the pertinent information concerning
the property and the owner on your estoppel form letter.


What is needed: Point-of-Contact and phone number, Property Address, Parcel ID Number,

Your File Number and a valid email address to send the information back to.

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