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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 Low composite risk for this neighborhood area · 30th percentile of FL neighborhood areas
34 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
Communities in this county participate in the federal flood insurance program
1,780 flood policies in force in this ZIP (30 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
Oct 1, 2003 · ERP Stormwater Standard General (40C)
FRUIT COVE RD SECRET OAKS IMPROVEMENTS
Mar 11, 1991 · MSSW Individual
CUNNINGHAM CREEK UNIT III
Dec 8, 1987 · MSSW Individual
CUNNINGHAM CREEK UN III
Capital-project and contractor activity on file.
Public record · Environmental resource permits
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32259
2020 +0.2% · 2021 +15.1% · 2022 +24.5% · 2023 +4.2% · 2024 +4.0% · 2025 +1.0%
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
No officer filings on record for Fruit Cove Owners Association yet.
From public officer filings
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1% of nearby housing sits in 5+ unit buildings, most of it built in 2020 or later.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
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.
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 St. Johns County: Coastal flood, Oct 10, 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. Johns County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32259 · 2022
Average premium changed -6.0% 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
1 Roof LLC
Ponte Vedra, FL
123 Cbc INC.
Ponte Vedra, FL
1565 Woodworks, LLC
Saint Augustine Beac, FL
20/20 Plumbing LLC
Elkton, FL
22 Affordable Contractors LLC
Saint Augustine, FL
27 South Home Group, LLC
Ponte Vedra Beach, FL
Verified vendor companies serving St. Johns County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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Cross-referenced public records
On file as FRUIT COVE OWNERS ASSOCIATION
Legal name · Type
Filed as shown; displayed as Fruit Cove Owners Association
County parcel records, address verified
Principal address
Public record
Map location · 1 linked public record
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
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