Blog · Exam Prep · Updated August 3, 2026 · 8 min read

Free Florida CAM Practice Exam: 20 Questions With Answers

Twenty original practice questions in the state exam's format, covering every content area — with the answer and a short explanation under each one, and a scoring guide that tells you honestly whether you're ready.

How to use this page:The real Florida CAM exam is 100 multiple-choice questions, 3 hours, 75% to pass. Answer all 20 below before peeking at the explanations — that's 36 minutes at real-exam pacing. Then use the scoring guide at the bottom. These are original questions written in the exam's style; the state's actual questions are confidential.

Section 1 — Licensing law (Chapter 468)

1.A property manager is paid to manage a homeowners' association of 14 homes with an annual budget of $60,000. Is a CAM license required?
(A) No — the budget is under $100,000 · (B) Yes — the association has more than 10 units · (C) No — both thresholds must be exceeded · (D) Only if the association is a condominium
Answer: B. Licensure is triggered when the association has more than 10 units or a budget over $100,000 — crossing either threshold is enough. Option C is the classic trap: the thresholds are alternatives, not a pair.

2.Under Florida law, a licensed CAM's fiduciary duty is owed primarily to:
(A) The board president who hired them · (B) The management company employing them · (C) The community association they serve · (D) The individual unit owners
Answer: C.The manager's client is the association as an entity — not any individual officer, owner, or even the employing firm. Exam questions frequently test whether you can distinguish the association from the people in it.

3. Which of the following tasks may an unlicensed employee perform for a large community association?
(A) Disbursing association funds to vendors · (B) Preparing the annual budget · (C) Photocopying and mailing a meeting notice drafted by the licensed manager · (D) Conducting the annual meeting
Answer: C.The statute exempts "clerical or ministerial functions under the direct supervision and control of a licensed manager." Controlling funds, preparing budgets, and conducting meetings are licensed activities.

Section 2 — Governance and the three statutes

4. A client community consists of an apartment-style building in which a corporation owns the real property and each resident owns shares in the corporation plus a proprietary lease for their unit. This community is governed primarily by:
(A) Chapter 718 · (B) Chapter 719 · (C) Chapter 720 · (D) Chapter 468
Answer: B. Share-plus-proprietary-lease ownership is the signature of a cooperative — Chapter 719. Condominiums (direct ownership of a unit plus an undivided share of common elements) are Chapter 718; HOAs are Chapter 720; Chapter 468 governs the managers, not the communities.

5.An association's bylaws conflict with its declaration of covenants. Which controls?
(A) The bylaws, because they are more specific · (B) The declaration, which sits above the bylaws in the document hierarchy · (C) Whichever was amended most recently · (D) The board decides by majority vote
Answer: B. The governing-document hierarchy runs: law, then declaration, then articles, then bylaws, then rules. Conflicts resolve upward — a favorite exam concept because real boards get it wrong constantly.

6.Which statement about a Florida homeowners' association (Chapter 720) is TRUE?
(A) Membership is optional for lot owners · (B) Membership is a condition of ownership, and assessments can become a lien on the parcel · (C) HOAs may not impose fines · (D) HOAs are regulated identically to condominiums
Answer: B.The statutory definition of a community association turns on exactly this: mandatory membership and the power to impose fees that "may become a lien on the parcel." A is the defining feature of a voluntary civic association — which is not a community association at all.

7.A condominium unit owner's ownership interest consists of:
(A) Shares in a corporation that owns the building · (B) The unit alone; the association owns all common elements · (C) The unit plus an undivided interest in the common elements · (D) A long-term lease from the developer
Answer: C. The condominium form is unit ownership plus an undivided share of the common elements. A describes a co-op; B is a common misconception the exam exploits.

8. Which body of rules applies to virtually ALL Florida community associations a CAM might manage — condo, co-op, and HOA alike?
(A) Chapter 718 only · (B) The association's own governing documents · (C) Federal condominium law · (D) Local zoning codes exclusively
Answer: B. Whatever the statutory chapter, every association is also governed by its own declaration, articles, bylaws, and rules — and the manager must work within both layers. There is no federal condominium statute, which is why C is wrong.

Section 3 — Meetings, elections, and records

9. An HOA board will consider levying a special assessment at its next meeting. Compared to an ordinary board meeting, the notice must be:
(A) The same — regular posting is sufficient · (B) Longer and must state that assessments will be considered · (C) Given only to owners who are delinquent · (D) Waived if the budget already anticipated the expense
Answer: B. Meetings where assessments are considered carry an elevated notice requirement, including a statement of that purpose. The pattern to learn: whenever money or rules-of-ownership are on the agenda, notice requirements go up.

10.An owner submits a proper written request to inspect the association's official records. The association should make the records available:
(A) Whenever convenient for the manager · (B) Within the statutory response window — measured in days, not months · (C) Only at the annual meeting · (D) Never — records are confidential
Answer: B. Owners have a statutory right of access on a short clock measured in working days. Blowing the records-response deadline is one of the most commonly penalized association failures — and one of the most reliably tested.

11. Which of these items should be WITHHELD when an owner inspects official records?
(A) The association's insurance policies · (B) Meeting minutes from last year · (C) Records protected by attorney-client privilege and other legally protected items · (D) The adopted annual budget
Answer: C. Access is broad but not unlimited: privileged legal records, certain personnel records, and personal identifying information are protected. Everything else listed is squarely inspectable.

12.During a board election dispute, the manager's proper role is to:
(A) Publicly support the incumbent slate · (B) Administer the election procedures neutrally per statute and the governing documents · (C) Decide the winner when the vote is close · (D) Suspend the election until tempers cool
Answer: B.The manager runs the process, never the outcome. Any answer placing the manager on a side — or giving them adjudicating power — is wrong on its face, which is exactly how "best answer" questions filter test-takers.

Section 4 — Financial management

13.A community's roof will cost $180,000 to replace in 12 years. The roof reserve holds $36,000 today. Ignoring interest, the annual reserve contribution to fully fund the replacement is:
(A) $15,000 · (B) $12,000 · (C) $18,000 · (D) $10,800
Answer: B. ($180,000 − $36,000) ÷ 12 = $12,000. Trap A divides the full cost by 12, forgetting the existing balance — the single most common reserve-math error.

14.An association's adopted annual budget is $480,000, funded equally by 120 units. Each unit's quarterly assessment is:
(A) $4,000 · (B) $1,000 · (C) $333 · (D) $2,000
Answer: B. $480,000 ÷ 120 = $4,000 per year per unit; ÷ 4 quarters = $1,000. Trap A stops at the annual figure, C jumps to monthly — the exam counts on you not reading the period asked.

15. Reserve funds are properly used for:
(A) Covering an operating-budget shortfall in a tight month · (B) Major repair and replacement of components they were established for · (C) Reducing next year's assessments as a goodwill gesture · (D) Any purpose the manager deems prudent
Answer: B. Reserves exist for capital repair and replacement, and diverting them to operations or assessment relief without proper authority is a serious breach. D fails because the manager never has unilateral spending discretion over reserves.

16. A management company handles funds for eight different associations. The funds should be:
(A) Pooled in one account for efficiency · (B) Held in the management company's operating account · (C) Maintained separately so each association's funds are never commingled · (D) Invested at the manager's discretion
Answer: C.No commingling — not between associations, and never with the manager's own funds. Fund-handling questions are near-certainties on the exam because fund misuse is the profession's cardinal sin.

Section 5 — Insurance, risk, contracts, and judgment

17.Directors and officers (D&O) insurance primarily protects:
(A) The building against windstorm damage · (B) Board members against claims arising from their decisions and actions in office · (C) Owners against title defects · (D) The manager's personal vehicle
Answer: B.Property policies cover the buildings; D&O covers the humans governing them. Matching each policy type to what it actually protects is a reliable exam ask.

18. Before a roofing vendor begins work on association property, the manager should obtain:
(A) A verbal assurance that the vendor is insured · (B) A certificate of insurance verifying current, adequate coverage · (C) Nothing — the vendor's license is sufficient · (D) A copy of the vendor's tax return
Answer: B.Verified, current insurance before work begins — an uninsured vendor's accident becomes the association's liability. "Verbal assurance" appearing as an option is your cue that documentation is the tested principle.

19. On a morning inspection, the manager finds a broken swing set with a sharp exposed edge in the community playground. The BEST first action is to:
(A) Add it to the next board meeting agenda · (B) Get three repair bids · (C) Immediately secure the area or remove the hazard, then initiate the repair process · (D) Post a warning on the community website
Answer: C. Active hazards get neutralized first; process follows. A, B, and D are all real steps — later. Best-answer questions reward sequencing: safety, then procedure.

20.An owner angrily demands the manager fine their neighbor for a rule violation "today." The BEST response is to:
(A) Levy the fine immediately to defuse the situation · (B) Explain the association's enforcement process — violations are documented and fines require proper procedure, including board action and notice · (C) Refuse to discuss rules with owners · (D) Tell the owner to confront the neighbor directly
Answer: B. Fines follow due process — documentation, board involvement, notice, and hearing rights — and the manager administers that process rather than dispensing summary justice. The exam persistently rewards the answer that follows procedure while staying professional.

How did you score?

Calibration note: 20 questions is a temperature check, not a verdict. The real exam's challenge is holding this accuracy across 100 questions for 3 hours — which is why the readiness standard worth trusting is 80%+ on full-length timed practice exams, taken twice. Our course includes two of them, with explanations for every answer like the ones above.

How these questions compare to the real thing

Format-identical: four options, one best answer, mixing recall, calculation, and judgment. Two honest differences. First, the real exam (people call it the CAM exam, the LCAM exam, or the CAM certification test — all the same test) leans harder on precise statutory numbers — specific day counts and thresholds — than a free sample responsibly can, since those details change and drilling them belongs inside a maintained course. Second, difficulty here is deliberately representative rather than maximal: the real exam will hand you several questions where two answers feel right for ten seconds longer than these do. What's on it and the three traps that fail prepared people are broken down in our full exam guide, with a two-week study plan.

Frequently asked questions

Are these real Florida CAM exam questions?

No — the state's questions are confidential, and any site claiming to sell "actual exam questions" is lying to you. These are original questions written in the same format and style.

How many practice questions do I need before the real exam?

Volume matters less than format: at least two complete 100-question timed runs, scoring 80%+, beats a thousand casually browsed questions.

What score on practice exams predicts a pass?

A consistent 80%+ on full-length timed exams. The 5-point cushion over the 75% bar absorbs exam-day nerves and unfamiliar wording.

Is there a question bank in the Florida CAM Online course?

Yes — practice questions throughout all six modules plus two full-length 100-question timed practice exams with explanations.

Can I retake this practice test?

As often as you like — it's most useful taken once cold before studying and once after finishing the course, to measure the distance traveled.

Ready for the full-length version? The state-approved 16-hour course includes two complete 100-question timed practice exams — the single strongest predictor of passing first try. The state-approved 16-hour course is 100% online and self-paced, with two full-length practice exams and an instant certificate — $299 with a 7-day refund guarantee. Enroll now →

All questions on this page are original educational material written for this guide; they do not reproduce actual examination content, and statutory details referenced are simplified for practice purposes — verify current requirements with the Florida DBPR and current statutes.

Florida CAM Online is a private education provider and is not affiliated with, endorsed by, or operated by the State of Florida, the Department of Business and Professional Regulation, or any government agency. Fees, requirements, and continuing-education rules are set by the state and may change; always verify current details with the Florida DBPR before applying. This guide is for informational purposes and is not legal advice.