Mira Lago Condominium

3100-3300 NW 46TH ST OAKLAND PARK, FL 33309 · 48 units · built 1987

LOOKS CLEAR
On public record, this looks clear for an FHA loanBased on public record. Confirm the items below before you rely on it.
REC / LAND LEASENo amenity lease found — land lease not verifiedNo separate-owner amenity parcel found in BCPA data — but a land/declaration lease is NOT in public record. This is exactly the gap that misleads people; confirm via the FS 718.504 FAQ before relying on it. BCPA parcel · FS 718.504 FAQ confirmsNot checked· checked 2026-06-22
FHA expiredBuilt 1987CondoNo amenity lease · verifyFiled OKVA approvedLitigation (1)

What you still need to confirm

VERIFYOwner-occupancy ≥ 50%Not in public record — ask the association or estimate from rental density.
VERIFYReserves funded / SIRSNot yet in public record — estoppel / financials, or DBPR SIRS once filed.
FLAGLitigation / special assessmentOpen case(s) found in Clerk of Courts (1) — 1 recorded suit(s) name the association as a defendant (2020-2025) — verify current status; 4 record(s) filed BY the association (routine collections, not a red flag). Review materiality.

Record · enriched

FHA score breakdown
fha Expired:+30; year 1987 1976-99:+15; va Accepted Without Conditions:+10
Address HUD Condlook
3100-3300 NW 46TH ST OAKLAND PARK, FL 33309
FHA status
Expired · exp 05/31/2011 (expired)
HUD CondlookConfirmedrecord 11/01/1987· checked 2026-06-22
Year · units
1987 · 48 units
BCPA · DBPR parcelConfirmedrecord 07/01/1987· checked 2026-06-22
BCPA use · folio
04 - Condominium
494218AA0010 · legal-name 1.00
BCPA parcelConfirmed· checked 2026-06-22
VA overlay
Accepted Without Conditions
VA public reportConfirmed· checked 2026-06-22
Concentration HUD
0.00%
Managing entity DBPR filing
MIRA LAGO CONDO ASSOC., INC.
22163 MAJESTIC WOODS WAY, BOCA RATON, FL, 33428

Phase 4 — contacthigh

Registered agent · Sunbiz
VALANCY & REED, P.A.
310 SE 13 STREET, FORT LAUDERDALE, FL 33316
Board officers · Sunbiz
Trea: ARANGUIBEL ZOILA; Pres: URLASS PATRICIA; VP: CHURA HEATHER; Secr: GIRASOL DENIS; Dire: NORTH RICHARD
Discovered contact · management
C&S Community Management Services, Inc. · 941-377-3419 · management site
Mira Lago Condo Assn (3200 NW 46th St, Fort Lauderdale 33309). No association-owned site; managed by C&S Community Management Services (cscmsi.com/mira-lago), mgr Jennifer Johnson, 941-377-3419 x114, Bradenton FL. (Sunbiz also lists Florida Skyline Mgmt for officers.)

Lender-decision factors

The facts that actually pass or kill a loan. Public record reaches only a few — the rest live in the condo questionnaire and financials, obtainable below.

OBTAIN% owner-occupancyFHA: ≥ 50% owner-occupied; many conventional loans require ≥ 50%.Not in public record — obtain via lender questionnaire. Request this document →Lender condo questionnaireT2 · document
OBTAIN% single-entity ownership> 10–25% owned by one entity can kill warrantability.Not in public record — obtain via lender questionnaire. Request this document →Questionnaire / BCPA parcel rollupT2 · document
OBTAIN% HOA-fee delinquency (> 60 days)> 15% delinquent kills FHA and most conventional.Not in public record — obtain via operating budget / questionnaire. Request this document →Budget / questionnaireT2 · document
OBTAINReserve fundingFL SIRS mandate + warrantability: reserves must be funded, not waived.Not in public record — obtain via operating budget / reserve study. Request this document →Budget / reserve study / DBPR SIRST2 · document
OBTAINSpecial assessments (active / pending)Active/pending assessments affect DTI and warrantability.Not in public record — obtain via operating budget / minutes. Request this document →Budget / association minutesT2 · document
FLAGPending litigationActive suits naming the association can kill warrantability.Open case(s) — 1; HOA named as defendant (2020-2025). Review materiality.County Clerk of CourtsT1 · public record
OBTAINInsurance adequacy (wind / flood / liability)Lapsed master policy is a conventional-rejectable, FL deal-killer.Not in public record — obtain via declarations page / COI. Request this document →Association master policy / COIT2 · document
OBTAINMilestone inspection / SIRS statusFL statute (post-Surfside): 40/50-yr recertification + SIRS mandatory.Not in public record — obtain via association minutes / building dept. Request this document →Building department · DBPRT1 · public record
OBTAINCommercial space %> 35% commercial kills FHA eligibility.Not in public record — obtain via lender questionnaire. Request this document →BCPA land-use + questionnaireT3 · inferred

Documents

The last-mile documents that decide a loan. Where we hold one it's here; otherwise request it or upload it — uploads show as in review until a human verifies them.

FS 718.504 FAQ & AnswersThe ground-truth disclosure — rec/land lease, owner-occupancy, reserves, litigation.
Not yet obtained
Request the 718.504 FAQ by email
Lender condo questionnaire (FNMA 1076)Full or short-form warrantability questionnaire.
Not yet obtained
Current operating budgetReserves, delinquency, special assessments.
Not yet obtained
Reserve study / SIRSStructural integrity reserve study + schedule.
Not yet obtained
Recorded recreation / land leaseThe recorded instrument, if one exists.
Not yet obtained
Meeting minutes / milestone inspectionRecent minutes, SIRS, 40/50-yr milestone.
Not yet obtained

Loading documents…

Public-record screening, not financing advice. CondoFacts compiles HUD, BCPA, DBPR, and VA public records with confidence flags; it does not replace a lender's condo questionnaire or the association's FS 718.504 FAQ. Confirm with your lender before underwriting.