This association’s public record, built from public filings and public data. Board members and managers can claim it and correct it. Owners and residents can join it.
Claim or joinHOA · Panama City Beach, FL
Common Elements
Find vetted vendors, run better RFPs, talk to other boards. Free to join.
Follow this association by email
Public record
Loading record details
Are you an officer or director? Claim or update this listing
Statute-cited calculators and generators for 5109-5111 Beach Homeowners As. No account needed.
Photos are reviewed before they appear.
No photos of 5109-5111 Beach Homeowners As yet. A picture of the entrance, the sign, or the buildings helps everyone recognize this community.
Upload its CC&Rs, bylaws, or covenants for a free, instant read. We flag clauses that Florida statute or federal law may have already overridden, so you know what still holds. No account required; the file is held 7 days, then deleted.
Request quotes from vetted firms: insurance, management, banking, reserve studies, legal. Free for boards and managers.
Get quotesSee open bid requests and get listed in the vendor directory.
Browse open RFPsPublic record, cross-referenced across state, county, and federal filings. Not legal advice. Consult association counsel for governance questions.
Or start with what happened
See also the Florida HOA Act (Fla. Stat. Ch. 720).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Relatively High composite risk for this neighborhood area · 93rd percentile of FL neighborhood areas
49 federal disaster declarations for this county, including 26 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · PANAMA CITY BEACH, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
9,624 flood policies in force in this ZIP (7,584 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32408
2020 +6.8% · 2021 +15.3% · 2022 +26.3% · 2023 +9.1% · 2024 -1.6% · 2025 +0.8%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
No officer filings on record for 5109-5111 Beach Homeowners As yet.
From public officer filings
Claim it to manage 5109-5111 Beach Homeowners As on Common Elements. Claim this association
30% of nearby housing sits in 5+ unit buildings, most of it built in the 1980s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Nearest Superfund site: BAYSIDE DUMP, about 3.2 miles from this association's location.
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Bay County: Tornado, Oct 27, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32408 · 2022
Average premium changed -26.3% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
Verified vendor companies serving Bay County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
On a computer? Scan to open this association in the app.
Opens commonelements.com/directory/associations/5109-5111-beach-homeowners-as-d37775fe on your phone.
Owners and residents join instantly, with no approval step.
Your association's public record, its documents, and neighbors asking the same questions. Free, and you can leave at any time.
How are you connected to this community?
One sign-in step, then you land back on this page.
Cross-referenced public records
On file as 5109-5111 BEACH HOMEOWNERS AS
Legal name · Type
Filed as shown; displayed as 5109-5111 Beach Homeowners As
County parcel records, address verified
Principal address
Public record
Map location · 1 linked public record
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
Fill-in documents 5109-5111 Beach Homeowners As’s board can download and adapt. Statute-cited, free, and no account needed.
Browse the full governance template library.
Boards, managers, owners, and counsel across Florida discuss assessments, rules, reserves, meetings, and disputes in the Common Area. Post anonymously under an alias (your real name is never shown unless you choose).