Built, Powered, and Sponsored by: Rocket Digital Marketing 🚀


What Is an Estoppel Letter From a Homeowners Association?

An estoppel letter from Wedgefield Homeowners Association (WHOA) is an Official Certification of a property owner or homeowner’s financial obligations to the association.

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 WHOA, which is now responsible for implementation and enforcement.

In the case of WHOA, a property owner's 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.

Estoppel Letter Use:

The normal use of an 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:

Fees and Costs:

Wedgefield charges a reasonable fee to issue estoppel letters, following State of FL guidelines.

The Homeowners Association charges:

$155 for ten business day regular processing

$255 for three business day RUSH processing

Both include the Internal Revenue Service Form W-9

To ensure a smooth ownership transfer when purchasing a residence or property, buyers or escrow/title agents should obtain and review an up-to-date Estoppel Letter, also known as an ‘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.

For more information, contact:

Marina Lewis

Email: [email protected]

To request an estoppel letter electronically (PREFERRED METHOD):

Fill out the form, and make payment on subsequent page (payment fees are included in pricing)

To request an estoppel letter by US Mail (non-rush only), send a check for $155.00 to:

Wedgefield Homeowners Association

PO Box 905

Christmas, FL 32709

Make the check payable to the “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

  • Phone number

  • Property Address

  • Parcel ID Number,

  • Your File Number

  • A valid email address to send the information back to

Important Links

Sign Up for the Wedgefield Updates!

Subscribe to receive membership news and updates. Stay informed about local events, neighborhood watch news, and stay current on association happenings!

Become an active member, attend the monthly meetings, and learn more about community news. Thank you for your support!

Contact Info

Need to reach us? Shoot us and email.

Follow Us

Copyright 2024 All Rights Reserved.

Powered By: Rocket Digital Marketing 🚀

Wedgefield Homeowners Association Logo

Become an active member, attend the monthly meetings, and learn more about community news. Thank you for your support!

Contact Info

Need to reach us? Shoot us an email.

Follow Us

Copyright 2024 All Rights Reserved.

Built, Powered, and Sponsored By: Rocket Digital Marketing 🚀