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Claim or joinLegal name: BLACK WILLOW FARMS PHASE II HOMEOWNERS ASSOCIATION, INC.
HOA · Charlotte, VT
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Or start with what happened
See also the Vermont Common Interest Ownership Act (27A V.S.A. § 1-101 et seq.).
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
Relatively Low composite risk for this county · 100th percentile of VT counties
32 federal disaster declarations for this county, including 3 hurricanes, most recent Aug 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · CHARLOTTE, TOWN OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
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 05445
2020 +3.2% · 2021 +9.8% · 2022 +13.1% · 2023 +16.6% · 2024 +9.1% · 2025 +6.5%
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
From public officer filings · 2026 Q3 snapshot
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Most recent significant event in Chittenden County: Flash flood, May 17, 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 Chittenden County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Homeowners insurance in ZIP 05445 · 2022
Average premium changed -1.0% 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
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Public record
On file as BLACK WILLOW FARMS PHASE II HOMEOWNERS ASSOCIATION, INC.
Principal address · Legal name
Filed as shown; displayed as Black Willow Farms Phase II Homeowners Association, INC.
Cross-referenced public records
Type
Geocoded from the address on file
Map location
Geocoded 2026-06-11
Names are shown in title case for readability. The string above is the name on file, unchanged.
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