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Claim or joinLegal name: BLUE MOUNTAIN BEACH MASTER OWNERS ASSOCIATION, INC.
Association · Santa Rosa Beach, FL
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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 · 91st percentile of FL neighborhood areas
42 federal disaster declarations for this county, including 22 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
6,499 flood policies in force in this ZIP (2,134 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
Annual change in ZIP 32459
2020 +5.8% · 2021 +21.2% · 2022 +27.8% · 2023 +1.6% · 2024 -0.2% · 2025 +8.2%
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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15% of nearby housing sits in 5+ unit buildings, most of it built in the 2010s.
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.
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
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 Walton County: Tornado, Jan 25, 2026.
Post-storm federal aerial imagery exists for this location: Hurricane Sally, 2020; Hurricane Michael, 2018; Tropical Storm Gordon, 2018. 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 Walton County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32459 · 2022
Average premium changed -10.2% 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
123B LLC
Ponce de Leon, FL
3 Hammers Electrical, LLC
Freeport, FL
30-a Builders LLC
Rosemary Beach, FL
3JB Construction, LLC
Santa Rosa Beach, FL
3RIVERS Construction Co., LLC
Freeport, FL
4858, INC.
Miramar Beach, FL
Verified vendor companies serving Walton County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State filing
On file as BLUE MOUNTAIN BEACH MASTER OWNERS ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Blue Mountain Beach Master Owners Association, INC.
Source not recorded
Map location
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