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Claim or joinLegal name: GRAND LAGOON VILLAS OWNERS ASSOCIATION, INC.
Association · Panama City, FL
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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
49 federal disaster declarations for this county, including 26 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · PANAMA CITY, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
9,624 flood policies in force in this ZIP (7,584 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 32408
2020 +6.8% · 2021 +15.3% · 2022 +26.3% · 2023 +9.1% · 2024 -1.6% · 2025 +0.8%
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
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30% of nearby housing sits in 5+ unit buildings, most of it built in the 1980s.
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: BAYSIDE DUMP, about 3.3 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 Bay County: Tornado, Oct 27, 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 Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32408 · 2022
Average premium changed -26.3% 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 filing
On file as GRAND LAGOON VILLAS OWNERS ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Grand Lagoon Villas 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.
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