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See also the Minnesota Common Interest Ownership Act (Minn. Stat. Ch. 515B).
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 neighborhood area · 59th percentile of MN neighborhood areas
17 federal disaster declarations for this county, including 1 hurricane, most recent May 2025.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Public record · Federal nonprofit tax filings
Annual change in ZIP 55803
12% 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
2020 +1.7% · 2021 +10.9% · 2022 +13.1% · 2023 +10.3% · 2024 +2.4% · 2025 +8.0%
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.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in St. Louis County: Flash flood, Jul 23, 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 St. Louis County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 55803-3094 · 2022
Average premium changed +8.4% 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
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Federal nonprofit tax filing
On file as Duluth Community Sailing Association
Principal address · Legal name · 1 linked public record
Federal nonprofit classification
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Public record
1 linked public record
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