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Claim or joinLegal name: GARDEN HOMES AT ESPLANADE PALMER RANCH, A CONDO
Condo / COA · 80 units · Sarasota, FL
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See also the Florida Condominium Act (Fla. Stat. Ch. 718).
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 · 98th percentile of FL neighborhood areas
48 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 · SARASOTA, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
2,379 flood policies in force in this ZIP (480 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
1 more buildings on file.
Public record · County parcel records
Annual change in ZIP 34238
2020 +7.8% · 2021 +9.8% · 2022 +26.4%
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.
No officer filings on record for Garden Homes at Esplanade Palmer Ranch, a Condominium yet.
From public officer filings
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12% 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.
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
Nearest Superfund site: PROCTOR ROAD LANDFILL, about 3.8 miles from this association's location.
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 Sarasota County: Hurricane, Oct 9, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Milton, 2024; Hurricane Idalia, 2023.
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 Sarasota County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 34238 · 2022
Average premium changed -13.6% 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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Common Elements verified vendor directory
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State condominium filing
On file as GARDEN HOMES AT ESPLANADE PALMER RANCH, A CONDO
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Garden Homes at Esplanade Palmer Ranch, a Condominium
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Names are shown in title case for readability. The string above is the name on file, unchanged.
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