Public association record. Owners and residents can join. Board members and managers can claim and update it.
Claim or joinLegal name: GARNIER'S LANDING OWNERS ASSOCIATION, INC.
Association · Ft Walton Beach, 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
Photos are reviewed before they appear.
No photos of Garnier's Landing Owners Association, INC. 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 quotesRun the mortgage readiness check for Garnier's Landing Owners Association.
Check mortgage readinessSee 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.
Statute-cited calculators and generators for Garnier's Landing Owners Association. No account needed.
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 neighborhood area · 93rd percentile of FL neighborhood areas
41 federal disaster declarations for this county, including 24 hurricanes, most recent Sep 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
1,125 flood policies in force in this ZIP (95 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 32547
2020 +8.2% · 2021 +15.0% · 2022 +21.4% · 2023 -1.3% · 2024 +8.3% · 2025 -3.8%
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.
From public officer filings · 2026 Q2 snapshot
Claim it to manage Garnier's Landing Owners Association, INC. on Common Elements. Claim this association
9% of nearby housing sits in 5+ unit buildings, most of it built in the 1990s.
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: GULF BREEZE II, about 1.7 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 Okaloosa County: Tornado, May 10, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Sally, 2020.
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 Okaloosa County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Verified vendor companies serving Okaloosa 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/garnier-s-landing-owners-association-inc-ft-walton-beach-fl on your phone.
Owners and residents join instantly, with no approval step.
Connect with neighbors and discuss your association. Free to join.
State filing
On file as GARNIER'S LANDING OWNERS ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Garnier's Landing Owners Association, INC.
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.
Fill-in documents Garnier's Landing Owners Association’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).