San Juan Condo Buyers: Understand Puerto Rico's Disclosure Law

What's actually in the rulebook you're about to be bound by?

Most buyers touring a tower in Condado or Miramar never ask that question until it's too late to matter. They fall for the view, the finishes, the doorman who remembers their name on the second visit, and they assume the reglamento, the condominium's internal rulebook, is boilerplate their attorney will glance at before closing. For years in Puerto Rico, buyers could face delays in obtaining a building's rules before signing a purchase contract, sometimes waiting for an administrator to respond.

That changed in January 2026, when Governor Jenniffer González signed Ley Núm. 13-2026 into law. For the first time, a San Juan condo buyer or their broker has a defined legal clock running the moment they ask to see the document that actually governs day-to-day life in the building.

The Five-Business-Day Rule, Explained

Ley 13-2026 started as House Bill 247, authored by Representative José J. Pérez, and it amends Puerto Rico's 2020 Condominium Act, known as Ley 129-2020. The change is narrow but real. It requires the administrator of any condominium, or the board president or secretary if the building has no administrator, to hand over a copy of the reglamento to a licensed real estate broker representing the sale, or to a prospective buyer who requests it, within five business days.

The law isn't a blanket right for anyone curious about a building's rules. According to Microjuris, a buyer has to show a legitimate interest in a specific transaction, along with a photo ID and contact information. Brokers requesting the document also have to be properly licensed under Ley 10-1994, the statute that regulates real estate professionals in Puerto Rico. The law gives buyers and brokers a defined way to request a building's rules for a specific transaction.

Here's what that shift looks like in practice.

The practical effect is that a buyer working with a broker has a statutory reason to expect the document on a schedule, before they're deep enough into a transaction that walking away feels expensive.

Why the Reglamento Is the Document That Actually Matters

Ask most first-time San Juan condo buyers what they think they're buying and they'll describe square footage and a view. What they're also buying is a set of rules written by people they've never met, covering things that directly affect resale value and lifestyle.

Puerto Rico's Condominium Act already contains a provision that surprises a lot of mainland buyers: short-term rentals cannot be banned outright unless the building's founding deed or its reglamento specifically sets a minimum lease term. That single clause is often the difference between a Condado unit that can legally support a vacation rental strategy and one that can't. Buyers who never see the reglamento until after closing sometimes discover the minimum stay requirement only when they try to list their new unit and find it doesn't work the way they assumed.

The reglamento also typically spells out renovation approval processes, pet policies. None of that shows up in a listing description. All of it shows up in the document Ley 13-2026 now guarantees a buyer's broker can request on a defined timeline.

If you're evaluating a unit in San Juan, asking your broker to formally request the reglamento the moment you're seriously considering an offer is now a concrete step with a concrete deadline attached to it, rather than an informal request without a defined timeline.

The Reglamento Won't Tell You Everything

Here's where the story gets more interesting, and where a buyer who stops at the rulebook is still missing something.

A report by News is my Business describes a 2025 Puerto Rico Supreme Court ruling in a case involving the Millennium condominium. The dispute centered on a question that matters far beyond that one building: if a condo association collects an insurance payout after hurricane damage, does accepting that money automatically cancel a separate claim the association might have against the developer, contractor, or architect over construction defects? The court said no. Insurance proceeds and a construction defect claim can have different origins and different purposes, and accepting one does not, by itself, waive the other.

That ruling highlights a due-diligence question: whether a building has an active, unresolved legal claim against the people who built it, even years after a storm and after insurance proceeds have been paid and repairs completed. None of that shows up in a reglamento. A rulebook tells you what you can and can't do in your unit. It doesn't tell you whether the association has an unresolved construction-defect claim involving the building.

A bill introduced this year by Senator Roxanna Soto Aguilú, Senate Bill 1342, would codify the Millennium distinction directly into the Civil Code and impose new recordkeeping duties on condo boards. Under the proposal, boards involved in a construction-defect dispute would have to preserve insurance correspondence, damage reports, repair contracts, and association records for at least ten years from the final insurance payment, or until any related legal proceeding wraps up, whichever comes later. The bill hasn't passed as of this writing, but the underlying court ruling it's built on already has, which means the exposure it describes already exists in buildings across San Juan right now.

What to Ask For Alongside the Reglamento

The lesson from Millennium isn't that San Juan condos are riskier than buyers assume. It's that the paperwork a buyer is legally entitled to now, thanks to Ley 13-2026, is necessary but not sufficient. A thorough buyer, or a broker working on their behalf, should be requesting a fuller picture alongside the reglamento itself:

• Recent board meeting minutes, specifically any reference to pending litigation or claims against a developer or contractor
• A summary of insurance claims filed by the association over the past several years, and whether any remain unresolved
• The current reserve fund balance measured against the building's most recent reserve study, if one exists
• A history of special assessments, including size and stated reason
• Written confirmation of any minimum lease term in the deed or reglamento if a short-term rental strategy matters to your purchase

They're the follow-up questions a serious buyer asks once they have it in hand.

What This Means If You're Buying in Condado, Miramar, or Santurce

San Juan's condo towers span decades of construction, from mid-century buildings on Ashford Avenue to newer developments in Santurce and Ocean Park. The Millennium case is a reminder that a building's storm history and its paper trail with contractors aren't a background detail. They're a reason to ask the specific questions above before an offer becomes a signed contract, not after.

The five-business-day clock in Ley 13-2026 gives buyers leverage they didn't reliably have before. Using that leverage well means treating the reglamento as the beginning of due diligence, not the end of it. A broker who's spent years working buildings across San Juan can help buyers make these requests and identify which follow-up questions to ask.

A Few Common Questions

Does the five-business-day deadline apply if I'm not working with a broker? Yes. The law also covers buyers who request the reglamento directly, as long as they can show a legitimate interest in a specific unit's sale along with photo identification and contact information.

Is Senate Bill 1342 already law? Not as of this writing. It remains a proposal that would formalize recordkeeping requirements building on the 2025 Supreme Court ruling, which is already binding.

Buying a condo in San Juan involves more moving pieces than most mainland transactions, and the paperwork is only useful if someone knows which questions it doesn't answer. If you're evaluating a unit in Condado, Miramar, or anywhere else across the city and want a second set of eyes on what a building's history actually says, ARK Real Estate works these buildings every day. Schedule your private consultation and we'll walk through exactly what to request before you're ready to sign.

This article is general information, not legal, tax or financial advice. Consult a qualified professional about your situation.