I'm still a Georgia Realtor working on my reciprocal license here in Fl. Haven't studied FL RE law yet. But in Georgia when one takes a listing you gather paperwork and verify taxes, mortgage payoff, HOA fees payoff amount, etc. Sellers fill out a Seller's Disclosure which (I can only assume at this point would address the bond still due on Villages properties).
When you go to the closing, read every document and ask questions about any item on the HUD or settlement statement (which you have a right to review before settlement and your agent has a fiduciary to be reviewing right along with you, btw) that you might have a question about.
Having said that, agents should not, IMO, offer any "guesstimates" or undocumented $ amounts to entice you to enter into a sales agreement. It's unethical and and gives the rest of us honest agents a bad rep. Always ask for documentation. Lazy agents rely on what the seller represents to be in his/her best interest to get the property under contract.
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