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Report card
SUGAR LOAF KEY, FL
Benchmarked against 316 comparable associations in Monroe County.
Peer benchmark from state and federal public records. Reference information only.
Navy band = the middle 50% of peer associations; orange = this association.
Elevator certificates
Not on file — FL DBPR
0% of peers carry an active cert
Pool inspection
Not on file — FL DOH
45% of peers most-recently satisfactory
Structural Integrity Reserve Study (SIRS)
Not on file — FL DBPR (SB 4-D)
9% of peers have a SIRS on file
FHA condo approval
Not on file — HUD
0% of peers FHA-approved
County natural-hazard risk
Relatively Moderate — FEMA National Risk Index
Special-assessment amounts are member-gated by statute, so we never show another association's assessment. Instead, this puts the capital pressure on WHITE HERON ESTATES CONDO in peer context using public records — recent major building work, structural-reserve and recertification obligations, and county insurance costs.
Navy band = the middle 50% of condos across FL that filed a major capital permit; orange = this association. Permit construction value, not the assessment itself.
Based on 111 peersthat filed a major capital permit (estimated construction value $50k+) in the last 60 months. A permit's construction value is a directional proxy for the scale of work a special assessment would fund, not the assessment amount.
Recent major capital permits (60 mo)
Not on file — County building permits
0% of peers filed a major capital permit in this window
Every figure on this page is compiled from state and federal public records. This is reference information, not legal, insurance, or financial advice.
Data as of June 14, 2026.
Structural Integrity Reserve Study (SIRS)
Not on file — FL DBPR (SB 4-D)
6% of peers have a SIRS on file
Building recertification / milestone obligation
On record — Miami-Dade / Broward recert programs
100% of peers carry a recert obligation
County residential insurance cost
$4,709 average premium per residential policy · Mar 2026 — FL OIR market data
Insurance is a top driver of assessment and budget increases statewide
A special assessment is normal when a building has real capital needs — what matters is whether it's planned and funded. Ask the board (or, before you buy, the seller and the estoppel certificate):
Special-assessment dollar amounts are member-gated by statute and are NOT shown for any association; the figures here are public-record capital proxies only. Capital figures are compiled from county building permits (estimated construction value >= $50k, last 60 months), fl dbpr sirs reporting (sb 4-d), miami-dade + broward building-safety recertification programs, and fl oir residential property insurance market data (county). This is reference information, not financial, legal, or insurance advice.