Public association record. Owners and residents can join. Board members and managers can claim and update it.
Claim or joinLegal name: EMERALD COVE @ CAPE CORAL HOA (RESUBMIT)
HOA · Cape Coral, FL
Common Elements
Find vetted vendors, run better RFPs, talk to other boards. Free to join.
Follow this association by email
Public record
Loading record details
Are you an officer or director? Claim or update this listing
Statute-cited calculators and generators for Emerald Cove @ Cape Coral HOA. No account needed.
Photos are reviewed before they appear.
No photos of Emerald Cove @ Cape Coral HOA yet. A picture of the entrance, the sign, or the buildings helps everyone recognize this community.
Upload its CC&Rs, bylaws, or covenants for a free, instant read. We flag clauses that Florida statute or federal law may have already overridden, so you know what still holds. No account required; the file is held 7 days, then deleted.
Request quotes from vetted firms: insurance, management, banking, reserve studies, legal. Free for boards and managers.
Get quotesSee open bid requests and get listed in the vendor directory.
Browse open RFPsPublic record, cross-referenced across state, county, and federal filings. Not legal advice. Consult association counsel for governance questions.
Or start with what happened
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 county · 96th percentile of FL counties
45 federal disaster declarations for this county, including 21 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 · CAPE CORAL, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
3,047 flood policies in force in this ZIP (107 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 33991
2020 +4.8% · 2021 +20.7% · 2022 +31.6% · 2023 +3.3% · 2024 -6.6% · 2025 -4.2%
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
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.
No officer filings on record for Emerald Cove @ Cape Coral HOA yet.
From public officer filings
Claim it to manage Emerald Cove @ Cape Coral HOA on Common Elements. Claim this association
Most recent significant event in Lee County: Flood, Sep 17, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Milton, 2024; Hurricane Ian, 2022; Hurricane Irma, 2017.
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 Lee County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Public record · State structural-integrity filings, county parcel records
Homeowners insurance in ZIP 33991 · 2022
Average premium changed -31.2% 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
1 Land Solution LLC
Cape Coral, FL
1-Tom-Plumber of SW Florida
Cape Coral, FL
1776 Construction Group LLC
Fort Myers, FL
1FL Contracting INC
North Fort Myers, FL
1st Choice Hurricane Protection LLC
Bonita Springs, FL
2 by 2 LLC
Cape Coral, FL
Verified vendor companies serving Lee County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
On a computer? Scan to open this association in the app.
Opens commonelements.com/directory/associations/emerald-cove-cape-coral-hoa-resubmit-f70708d7 on your phone.
Owners and residents join instantly, with no approval step.
Connect with neighbors and discuss your association. Free to join.
Cross-referenced public records
On file as EMERALD COVE @ CAPE CORAL HOA (RESUBMIT)
Principal address · Legal name · Type
Filed as shown; displayed as Emerald Cove @ Cape Coral HOA
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
Fill-in documents Emerald Cove @ Cape Coral HOA’s board can download and adapt. Statute-cited, free, and no account needed.
Browse the full governance template library.
Boards, managers, owners, and counsel across Florida discuss assessments, rules, reserves, meetings, and disputes in the Common Area. Post anonymously under an alias (your real name is never shown unless you choose).