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Florida Real Estate Sales Associate Practice Test

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Questions updated at Aug 2, 2026, 8:42 PM CDT

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Question 1 of 10

Objective Local planning agency responsibilities Planning and Zoning

A county is preparing an amendment to its comprehensive plan. Before the governing body adopts the amendment, which body has the statutory responsibility to prepare the plan amendment process, hold the required public hearing, and make recommendations to the governing body?

Concept tested:

Source:Florida Statutes Section 163.3174

Question 2 of 10

Objective Misleading advertising Violations of License Law, Penalties and Procedures

A Florida broker advertises a home as 'direct oceanfront' while knowing it is two blocks inland with no water frontage. A buyer discovers the truth before making an offer. What disciplinary issue remains?

Concept tested:

Question 3 of 10

Objective Quitclaim deed Titles, Deeds, and Ownership Restrictions

A grantor is uncertain whether a recorded easement was ever validly acquired but wants to transfer any interest the grantor may have without promising that the interest exists or giving title covenants. Which deed best matches that intent?

Concept tested:

Question 4 of 10

Objective Buyer and seller markets Real Estate Markets and Analysis

Two comparable submarkets diverge. Area A has nine months of inventory, 95-day marketing periods, repeated price cuts, and few competing offers. Area B has less than one month of inventory, 8-day marketing periods, and frequent multiple offers above list price. Which combined interpretation is strongest?

Concept tested:

Question 5 of 10

Objective Presentation of offers Authorized Relationships, Duties and Disclosures

A seller orally tells the seller's Florida transaction broker, 'Do not show me offers below $500,000.' The broker then receives a signed $490,000 offer with a short acceptance deadline. The listing contains no written instruction to withhold such offers. What must the broker do?

Concept tested:

Question 6 of 10

Objective Secondary mortgage market Types of Mortgages and Sources of Financing

A lender closes several residential loans and later sells the loans into a market where investors buy existing mortgages and mortgage-backed securities. Which market is involved after the loans have already been originated?

Concept tested:

Question 7 of 10

Objective PITI Residential Mortgages

A borrower's monthly mortgage collection includes $1,900 for principal and interest, $500 for property taxes, and $150 for homeowners insurance. What is the total monthly PITI amount?

Concept tested:

Question 8 of 10

Objective Liquidity and risk Real Estate Investments and Business Opportunity Brokerage

An investor may need most of the invested capital within two weeks and does not want exposure to tenant management, financing, or local-market changes. Which concern weighs most directly against buying a rental property outright?

Concept tested:

Question 9 of 10

Objective Unlicensed practice Real Estate License Law and Commission Rules

An unlicensed assistant offers, for a separate fee, to negotiate lease terms between a Florida property owner and a prospective tenant. The assistant would solicit proposals and bargain over rent for the owner. Which conclusion is correct?

Concept tested:

Question 10 of 10

Objective Tenancy in common Property Rights: Estates, Tenancies; Condominiums, Homeowner Associations, and Time-Sharing

A deed conveys a property to Ana as to a 70% interest and Ben as to a 30% interest, expressly as tenants in common. Ben later dies and leaves his property to his daughter by a valid will. What happens to Ben's interest?

Concept tested:

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Cheat Sheets

Question 1 A county is preparing an amendment to its comprehensive plan. Before the governing body adopts the amendment, which body has the statutory responsibility to prepare the plan amendment process, hold the required public hearing, and make recommendations to the governing body?

Answer choices

A. Florida Real Estate Commission
B. Local planning agency
C. County property appraiser
D. Title insurance underwriter

Correct answer

Local planning agency

Florida law assigns the local planning agency responsibility for preparing the comprehensive plan or amendment, holding at least one public hearing with public notice, and making recommendations to the governing body. FREC regulates real estate licensees, not local comprehensive plan adoption.

Wrong-answer review

A. Florida Real Estate Commission: FREC handles real estate licensure and discipline; it does not prepare local comprehensive plan amendments.
C. County property appraiser: The property appraiser assesses property for taxation; that role does not control comprehensive plan amendments.
D. Title insurance underwriter: A title insurer evaluates title risk; it is not a local planning body.

Extra learning features

Why candidates miss this

The candidate incorrectly identified the Florida Real Estate Commission as responsible for comprehensive plan amendments, demonstrating a misunderstanding of the roles of different state and local agencies. The decisive clue is the statute assigning responsibility to the local planning agency. Likely wrong answer: Florida Real Estate Commission Review focus: Florida Statutes Section 163.3174

Why this matters

Understanding the planning process is essential for sales associates to advise clients on zoning regulations, development opportunities, and potential impacts on property values.

Objective/domain: Planning and Zoning

Question 2 A Florida broker advertises a home as 'direct oceanfront' while knowing it is two blocks inland with no water frontage. A buyer discovers the truth before making an offer. What disciplinary issue remains?

A. The knowingly false or misleading advertising is a disciplinary ground even though the buyer avoided a loss
B. No issue exists because advertising is protected whenever a buyer checks the facts
C. Discipline is possible only if the property ultimately closes
D. The statement is permissible because location descriptions can never be material

The knowingly false or misleading advertising is a disciplinary ground even though the buyer avoided a loss

Objective/domain: Violations of License Law, Penalties and Procedures

Source: Florida Statutes Section 475.25 - Discipline

Question 3 A grantor is uncertain whether a recorded easement was ever validly acquired but wants to transfer any interest the grantor may have without promising that the interest exists or giving title covenants. Which deed best matches that intent?

A. A general warranty deed covering the entire chain of title
B. A quitclaim deed transferring whatever interest the grantor has without title warranties
C. A special warranty deed guaranteeing that the disputed easement exists
D. A mortgage pledging the easement as security for repayment

A quitclaim deed transferring whatever interest the grantor has without title warranties

Objective/domain: Titles, Deeds, and Ownership Restrictions

Source: Florida Statutes Chapter 689 - Conveyances of Land

Question 4 Two comparable submarkets diverge. Area A has nine months of inventory, 95-day marketing periods, repeated price cuts, and few competing offers. Area B has less than one month of inventory, 8-day marketing periods, and frequent multiple offers above list price. Which combined interpretation is strongest?

A. Area A favors sellers because abundant inventory increases seller leverage, while Area B favors buyers
B. Area A favors buyers because excess inventory and long marketing strengthen them, while Area B favors sellers because scarce inventory and competition strengthen them
C. Both favor buyers because marketing time never affects bargaining power
D. Both favor sellers because list price alone controls market classification

Area A favors buyers because excess inventory and long marketing strengthen them, while Area B favors sellers because scarce inventory and competition strengthen them

Objective/domain: Real Estate Markets and Analysis

Source: IAAO Glossary for Property Appraisal and Assessment, Third Edition

Question 5 A seller orally tells the seller's Florida transaction broker, 'Do not show me offers below $500,000.' The broker then receives a signed $490,000 offer with a short acceptance deadline. The listing contains no written instruction to withhold such offers. What must the broker do?

A. Discard the offer because any oral seller instruction permanently waives presentation
B. Wait until an offer reaches $500,000, then disclose the earlier offer
C. Present the $490,000 offer timely because the contrary direction was not in writing
D. Counter the buyer at $500,000 without first presenting the offer

Present the $490,000 offer timely because the contrary direction was not in writing

Objective/domain: Authorized Relationships, Duties and Disclosures

Source: Florida Statutes Section 475.278 - Authorized Brokerage Relationships

Question 6 A lender closes several residential loans and later sells the loans into a market where investors buy existing mortgages and mortgage-backed securities. Which market is involved after the loans have already been originated?

A. Primary mortgage market
B. Secondary mortgage market
C. Open listing market
D. Title insurance market

Secondary mortgage market

Objective/domain: Types of Mortgages and Sources of Financing

Source: FHFA: A Primer on the Secondary Mortgage Market

Question 7 A borrower's monthly mortgage collection includes $1,900 for principal and interest, $500 for property taxes, and $150 for homeowners insurance. What is the total monthly PITI amount?

A. $2,550
B. $2,400
C. $2,050
D. $1,900

$2,550

Objective/domain: Residential Mortgages

Source: CFPB Mortgage Rules and Consumer Mortgage Guidance

Question 8 An investor may need most of the invested capital within two weeks and does not want exposure to tenant management, financing, or local-market changes. Which concern weighs most directly against buying a rental property outright?

A. Direct ownership is relatively illiquid and exposes the investor to several property and operating risks
B. Direct ownership guarantees immediate sale at independently appraised value
C. Real estate eliminates financing and management risk once a deed is recorded
D. Rental property can always be converted to cash as quickly as a publicly traded security

Direct ownership is relatively illiquid and exposes the investor to several property and operating risks

Objective/domain: Real Estate Investments and Business Opportunity Brokerage

Question 9 An unlicensed assistant offers, for a separate fee, to negotiate lease terms between a Florida property owner and a prospective tenant. The assistant would solicit proposals and bargain over rent for the owner. Which conclusion is correct?

A. The activity is permitted because leases never involve licensed real estate services
B. The activity is permitted if the owner, rather than the tenant, pays the fee
C. The assistant may not perform the brokerage activity without a valid current active license unless a statutory exemption applies
D. The assistant may negotiate if a licensee reviews the final lease after all terms are settled

The assistant may not perform the brokerage activity without a valid current active license unless a statutory exemption applies

Objective/domain: Real Estate License Law and Commission Rules

Source: Chapter 475, Florida Statutes

Question 10 A deed conveys a property to Ana as to a 70% interest and Ben as to a 30% interest, expressly as tenants in common. Ben later dies and leaves his property to his daughter by a valid will. What happens to Ben's interest?

A. It automatically passes to Ana because all co-ownership includes survivorship
B. It terminates at death because a fractional ownership interest cannot be inherited
C. It is divided equally between Ana and Ben's daughter regardless of the will
D. It passes through Ben's estate to his daughter because tenancy in common has no survivorship

It passes through Ben's estate to his daughter because tenancy in common has no survivorship

Objective/domain: Property Rights: Estates, Tenancies; Condominiums, Homeowner Associations, and Time-Sharing

Source: Florida Statutes Section 689.15 - Estates by Survivorship

Florida Real Estate Sales Associate Practice Test

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What you get with free practice

A county is preparing an amendment to its comprehensive plan. Before the governing body adopts the amendment, which body has the statutory responsibility to prepare the plan amendment process, hold the required public hearing, and make recommendations to the governing body?

A Florida broker advertises a home as 'direct oceanfront' while knowing it is two blocks inland with no water frontage. A buyer discovers the truth before making an offer. What disciplinary issue remains?

A grantor is uncertain whether a recorded easement was ever validly acquired but wants to transfer any interest the grantor may have without promising that the interest exists or giving title covenants. Which deed best matches that intent?

A seller orally tells the seller's Florida transaction broker, 'Do not show me offers below $500,000.' The broker then receives a signed $490,000 offer with a short acceptance deadline. The listing contains no written instruction to withhold such offers. What must the broker do?

A lender closes several residential loans and later sells the loans into a market where investors buy existing mortgages and mortgage-backed securities. Which market is involved after the loans have already been originated?

A borrower's monthly mortgage collection includes $1,900 for principal and interest, $500 for property taxes, and $150 for homeowners insurance. What is the total monthly PITI amount?

An investor may need most of the invested capital within two weeks and does not want exposure to tenant management, financing, or local-market changes. Which concern weighs most directly against buying a rental property outright?

An unlicensed assistant offers, for a separate fee, to negotiate lease terms between a Florida property owner and a prospective tenant. The assistant would solicit proposals and bargain over rent for the owner. Which conclusion is correct?

A deed conveys a property to Ana as to a 70% interest and Ben as to a 30% interest, expressly as tenants in common. Ben later dies and leaves his property to his daughter by a valid will. What happens to Ben's interest?

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