Florida Real Estate Practice Exam
(Free Questions & Answers)
The Florida real estate exam is administered by the Florida Real Estate Commission (FREC) under Chapter 475, Florida Statutes. Florida defaults to transaction brokerage rather than full agency — the opposite of most states — and candidates who study only national material consistently fail the state portion. Post-licensing education (45 hours) must be completed within 18–24 months or the license voids automatically, and FREC's disciplinary authority (including fines, suspension, and revocation) is tested extensively.
Administered by: Florida Department of Business & Professional Regulation (DBPR) · 100 questions · Passing score: 75%
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Free Florida Real Estate Practice Exam Questions
Test your knowledge with these Florida real estate practice questions. Each question is based on topics from the Florida Department of Business & Professional Regulation (DBPR) exam and includes detailed explanations.
Q1. Which agency directly regulates real estate licensees in Florida?
Explanation
The Florida Real Estate Commission (FREC) is the body that directly regulates real estate licensees in Florida, operating under the oversight of the Department of Business and Professional Regulation (DBPR).
Q2. Under Florida's Brokerage Relationship Disclosure Act, the default brokerage relationship (when no written agreement exists) is:
Explanation
Florida's Brokerage Relationship Disclosure Act establishes transaction broker as the default relationship. A broker is presumed to be a transaction broker unless a single agent or no-brokerage relationship is specifically established.
Q3. The Florida Realtors/Florida Bar (FR/Bar) As Is Residential Contract for Sale and Purchase is commonly used when:
Explanation
The FR/Bar As Is contract is used when the buyer agrees to purchase the property in its present condition, accepting the property 'as is.' The seller is not obligated to make repairs, though the buyer retains inspection rights.
Q4. Florida is known for its heavy use of title insurance in real estate closings. Title insurance in Florida typically includes all of the following EXCEPT:
Explanation
Title insurance covers defects, liens, and encumbrances that existed before or at the time of closing but were not discovered during the title search. It does NOT cover defects that arise after the policy's effective date.
Q5. Florida's homestead exemption provides protection to:
Explanation
Florida's constitutional homestead exemption protects a Florida resident's primary (permanent) residence from forced sale to satisfy most creditors (with exceptions for mortgages, taxes, and construction liens).
Q6. In Florida, an appraisal performed for a federally related transaction must be conducted by a:
Explanation
Federal regulations (FIRREA) require that appraisals for federally related transactions be performed by a state-licensed or state-certified appraiser. Florida licenses and certifies appraisers through the Florida Real Estate Appraisal Board (FREAB).
Q7. Under Florida's Fair Housing Act, in addition to federal protected classes, Florida also protects against discrimination based on:
Explanation
Florida's Fair Housing Act provides additional protections beyond the federal law, including prohibiting discrimination based on marital status. Florida also prohibits age discrimination in housing (for persons 18 or older in some contexts).
Q8. Florida is primarily a 'title insurance state,' meaning that:
Explanation
Florida is known as a title insurance state because title companies (rather than attorneys) typically handle real estate closings and issue title insurance policies. Attorneys may be involved but are not required for most residential closings.
Q9. A Florida property sells for $375,000. The documentary stamp tax on the deed is $0.70 per $100 (or fraction). What is the total documentary stamp tax?
Explanation
Documentary stamp tax = ($375,000 ÷ $100) × $0.70 = 3,750 × $0.70 = $2,625.
Q10. Florida law requires sellers to disclose to buyers if a property is in a designated flood zone. The primary federal program governing flood insurance in Florida is:
Explanation
The National Flood Insurance Program (NFIP) administered by FEMA provides flood insurance to property owners in participating communities. Florida communities participate in the NFIP, and lenders require flood insurance for properties in Special Flood Hazard Areas (SFHA).
Q11. In Florida, a property owner who wants to use their property in a way not currently permitted by zoning must typically apply for:
Explanation
To use property in a way not permitted under current zoning, an owner may apply for a variance (a minor deviation from specific requirements) or a rezoning (a change to the zoning classification itself). The process involves the local government's planning/zoning board.
Q12. In Florida, a property manager who collects rent and manages properties on behalf of owners must hold a:
Explanation
Florida requires property managers who lease or manage real property for compensation on behalf of others to hold a real estate license (broker or sales associate). CAM licenses are specifically for community association management.
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Florida Real Estate Exam — What to Expect
What Is On The Florida Real Estate Exam?
The Florida real estate salesperson exam is administered by the Florida Department of Business & Professional Regulation (DBPR) and tests both national real estate principles and Florida-specific laws and regulations. The exam contains 100 multiple-choice questions, and you must score at least 75% to pass.
The national portion covers topics that apply in every state: property ownership, land use controls, valuation and market analysis, financing, agency law, contracts, leasing and property management, transfer of title, fair housing laws, and real estate calculations. The state portion tests knowledge specific to Florida — including regulations set by the Florida Department of Business & Professional Regulation (DBPR), Florida agency disclosure requirements, and state-specific contract and closing practices.
Topics covered on the Florida exam include: Property Ownership, Agency Law, Contracts, Finance, Florida License Law, Real Estate Math. Candidates who struggle on the FL exam typically underestimate the state-specific portion — the national content is well-covered by most study materials, but Florida law questions require targeted preparation.
How Many Questions Are On The Florida Exam?
The Florida real estate salesperson exam has 100 multiple-choice questions. The exam is divided into a national section covering general real estate principles and a state section covering Florida-specific laws administered by the Florida Department of Business & Professional Regulation (DBPR). You have 3.5 hours to complete the exam.
Florida Real Estate Exam Passing Score
You need a 75% to pass the Florida real estate exam. The first-time pass rate in Florida is approximately 52%, which means preparation is essential — most candidates who fail do so because they focused on national content and underestimated the FL-specific portion. Our Florida practice exam is built specifically around the Florida Department of Business & Professional Regulation (DBPR) exam outline.
Most Difficult Topics On The Florida Exam
These are the areas where Florida candidates most commonly lose points.
Florida's real estate license law is codified in Chapter 475 F.S. Candidates consistently struggle with the specific requirements for broker post-licensing education, the 24-month license validity, and FREC's disciplinary powers.
Florida defaults to transaction brokerage, not agency. Understanding the limited duties of a transaction broker vs. a single agent and the required disclosure notices is heavily tested.
Florida tests heavily on protected classes under both federal and state law, including the Florida Civil Rights Act. Common mistake areas include familial status, handicap accommodations, and steering.
Florida uses attorneys OR title companies for closings (unlike escrow states). Questions on title searches, title insurance, and the Foreign Investment in Real Property Tax Act (FIRPTA) appear frequently.
Florida Real Estate Math
The Florida real estate exam includes math questions covering commission calculations, loan-to-value (LTV) ratios, property tax prorations, area and volume, and appreciation/depreciation. A common example: if a property sells for $350,000 and the total commission is 6%, split equally between listing and buyer's broker, each side earns $10,500. Proration questions — such as calculating how many days of property taxes a seller owes at closing — are also common. On the FL exam, you will not need a calculator for most math questions, but you do need to understand the formulas. Practice the "T-bar" method for commission splits and the 360-day banker's year for prorations.
How To Get Your Florida Real Estate License
- 1Complete 63 hours of state-approved pre-license education covering topics required by the Florida Department of Business & Professional Regulation (DBPR).
- 2Submit your application to the Florida Department of Business & Professional Regulation (DBPR) and pay the required fees (exam fee: $36).
- 3Pass the Florida real estate salesperson exam (100 questions, 75% to pass).
- 4Complete a background check and fingerprinting as required by Florida law.
- 5Find a licensed sponsoring/employing broker to activate your license.
- 6Complete any required post-licensing education within the timeframe set by the Florida Department of Business & Professional Regulation (DBPR).
Best Study Strategy For The Florida Exam
Start with Florida license law first. State-specific regulations administered by the Florida Department of Business & Professional Regulation (DBPR) make up a significant portion of the FL exam and are not covered in most national study materials.
Master the math early. The Florida real estate exam includes questions on commission calculations, prorations, loan-to-value ratios, and area calculations. Set aside dedicated math practice sessions — don't leave it until the last week.
Take timed practice exams. The Florida exam has 100 questions within a 3.5 hours time limit. Simulate exam conditions to build stamina and identify weak topics before exam day.
Focus heavily on agency law. Agency relationships, disclosure requirements, and fiduciary duties are consistently among the most-tested topics on the FL exam. Understand the difference between seller's agent, buyer's agent, dual agent, and transaction broker in the context of Florida law.
Review Fair Housing thoroughly. Federal Fair Housing Act protections apply in all states, but Florida may have additional protected classes. Know both federal and Florida-specific protections cold — this topic appears on virtually every exam.
Use active recall, not passive reading. Instead of re-reading notes, quiz yourself. Use flashcards or practice questions to test retention. Research shows active recall improves long-term retention significantly compared to passive review.
Florida Real Estate Exam — Frequently Asked Questions
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