IMPORTANT: FL is a two party consent State. This means, everyone involved in the conversation must agree to being taped.
see:
934.03 Interception and disclosure of wire, oral, or electronic communications prohibited from that statute: (d) It is lawful under this section and ss. 934.04-934.09 for a person to intercept a wire, oral, or electronic communication when all of the parties to the communication have given prior consent to such interception.
Granted, FL statute does allow members to tape record a meeting of the Board or the general membership:
(10) RECORDING.—Any parcel owner may tape record or videotape meetings of the board of directors and meetings of the members. The board of directors of the association may adopt reasonable rules governing the taping of meetings of the board and the membership.
My research shows that you must disclose, prior to the start of the meeting, that the meeting is being recorded and make it obvious during the meeting that it is being done. In this way, there is no expectation of privacy because participants were informed ahead of time.
see:
https://law.stackexchange.com/questions/51901/hoa-meetings-transcripts and
Smiley v. Florida