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Or start with what happened
See also the Michigan Nonprofit Housing Corporations Act (MCL § 559).
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 Moderate composite risk for this neighborhood area · 95th percentile of MI neighborhood areas
18 federal disaster declarations for this county, including 1 hurricane, most recent Jun 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Annual change in ZIP 48603
2020 +3.2% · 2021 +12.0% · 2022 +10.2% · 2023 +10.2% · 2024 +7.2% · 2025 +2.7%
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.
16% 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
Most recent significant event in Saginaw County: Tornado, May 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 Saginaw County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 48603-1685 · 2022
Average premium changed +1.3% 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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Federal nonprofit tax filing
On file as Great Lakes Bay Community Resource Association
Principal address · Legal name · 1 linked public record
Federal nonprofit classification
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