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Neighborhood-area medians for the surrounding area, not records of this association.
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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 · 40th percentile of TX neighborhood areas
32 federal disaster declarations for this county, including 15 hurricanes, most recent May 2025.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · EDINBURG,CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 78539
2020 +7.4% · 2021 +7.0% · 2022 +16.2% · 2023 +13.4% · 2024 +7.0% · 2025 +1.3%
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.
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TX TREC Management Certificate — GEM Estates Subdivision
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24% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Recorded documents
Most recent significant event in Hidalgo County: Flood, Aug 15, 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 Hidalgo County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 78539 · 2022
Average premium changed -7.6% 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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Recorded management certificate
On file as GEM Estates Subdivision
Principal address · Legal name
Source not recorded
Map location · Type
Public record
2 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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