What Is a Certificate of Occupancy?
A certificate of occupancy (CO) is a document issued by a local building department confirming that a structure complies with the building code and is safe and legal to occupy. It is typically required before anyone can move into a newly constructed building, and sometimes after major renovations or a change in how a building is used.
When a CO Is Required
- New construction — issued after final inspections pass
- Major renovations or additions — confirming the work meets code
- Change of use — for example, converting a building to a different occupancy type
Why It Matters in Florida
The CO is issued only after the work passes the required inspections and satisfies zoning and building-code requirements. Occupying a building without a required CO, or in violation of its terms, can lead to code-enforcement action and complicate a sale or financing. For buyers of new or renovated Florida property, confirming that a valid certificate of occupancy exists — and that it matches the building's actual use — is an important due-diligence step. A "temporary CO" may allow occupancy while limited items are completed.
Related Terms
- Zoning Violation — What occupying without a CO can trigger
- Ordinance or Law Coverage — Relevant when rebuilding to code
- Closing Agent — Confirms a valid CO at closing
Barnes Walker Real Estate
Barnes Walker's real estate attorneys help Florida buyers and owners confirm occupancy, permitting, and code compliance. Request a legal inquiry for assistance.
Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC