Casa Academy

Reviewed by Casa Academy and updated July 29, 2026 using the current DBPR checklist and Pearson VUE scheduling guidance.

Planned Unit Development

A planned unit development (PUD) is a residential or mixed-use project approved under unified zoning that combines individually owned lots or units with shared common areas and amenities, typically governed by a homeowners association and covenants recorded against each parcel.

Exam context

PUD combines individual ownership with shared common areas and HOA. Condominium ownership is airspace plus common interest. Subdivision may lack shared amenities. CC&Rs run with the land.

Ownership and governance

Owners hold fee simple to their lot or unit plus an undivided interest in streets, parks, or clubhouse owned by the HOA. CC&Rs restrict architecture, rentals, and maintenance standards. Special assessments may fund major repairs. Lenders review HOA financials and litigation before approving mortgages.

Zoning flexibility

PUD approvals allow density bonuses or mixed uses in exchange for public benefits like open space. Developers phase construction under master plans. Agents disclose HOA dues, rental caps, and pending special assessments early because PUD living differs from unincorporated single-family neighborhoods.

Examples

  • Master-planned community

    A 300-home PUD includes private parks and a community pool maintained by HOA dues while each owner holds title to a lot and detached home.

  • Lender review

    An underwriter requests the PUD budget and insurance certificates because the borrower's townhome is in a PUD with shared parking structures.

Keep studying

Practice planned unit development questionsEnroll in pre-licensing

Related terms

  • EasementAccess or use rights common in PUD common areas.
  • Bundle of rightsFee simple plus shared common interest in a PUD.

Related resources

Sources