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Claim or joinCondo / COA · 36 units · Vero Beach, FL
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Public record · State filing, state filing, registered agent
Statute-cited calculators and generators for Bay Island Club. No account needed.
Or start with what happened
See also the Florida Condominium Act (Fla. Stat. Ch. 718).
No SB 4-D applicability determination is on file for this association.
Public record · State structural-integrity filings, state workers' compensation filings
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
Public record · Federal flood-hazard maps, state structural-integrity filings
Relatively High composite risk for this neighborhood area · 97th percentile of FL neighborhood areas
35 federal disaster declarations for this county, including 22 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · VERO BEACH, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Public record · State health department pool inspections
Floors served is the elevator's own stop count, not an official building-height record, a close proxy, not an exact story count.
Public record · State elevator certificates
Approximate footprint of the primary building at this location (single-point match), not the full complex. A rough starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Annual change in ZIP 32963
2020 +3.5% · 2021 +21.1% · 2022 +17.4% · 2023 +10.5% · 2024 +8.2% · 2025 -8.1%
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.
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.
From public officer filings · 2026 Q3 snapshot
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49% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Structural Integrity Reserve Study on file · CONDOMINIUM.
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: STAUFFER AGRICULTURAL CHEMICALS, about 3.0 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 Indian River County: Tornado, Oct 9, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Nicole, 2022. Pre-season baseline imagery also covers this location.
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 Indian River County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32963-1322 · 2022
Average premium changed +7.4% 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 Indian River County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
State condominium filing
On file as BAY ISLAND CLUB
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Bay Island Club
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-05-19
Public record
3 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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