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Claim or joinLegal name: COTTON WOODS 3 TOWNHOMES ASSOCIATION, INC.
HOA · Est. 33 units · Fruita, CO
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See also the Colorado Common Interest Ownership Act (C.R.S. § 38-33.3 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
Public record · Federal flood-hazard maps
Relatively Low composite risk for this neighborhood area · 59th percentile of CO neighborhood areas
8 federal disaster declarations for this county, most recent Aug 2020.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · FRUITA, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 81521
2020 +6.1% · 2021 +11.6% · 2022 +17.8% · 2023 -1.6% · 2024 +15.8% · 2025 +5.1%
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.
5% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
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.
Self-reported by the association under C.R.S. 38-33.3-316 with its annual state HOA registration. Registration status: Active. Last renewed Dec 17, 2025.
Public record · State financial disclosure filing
Most recent significant event in Mesa County: Flash flood, Sep 4, 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 Mesa County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 81521 · 2022
Average premium changed +13.9% 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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State filing
On file as COTTON WOODS 3 TOWNHOMES ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Cotton Woods 3 Townhomes Association, INC.
Public record
Units
Low confidence: self-declared filing or parcel proxy, withheld from public surfaces
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Names are shown in title case for readability. The string above is the name on file, unchanged.
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