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Or start with what happened
See also the Washington Homeowners Association Act (RCW § 64.38).
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 · 32nd percentile of WA neighborhood areas
29 federal disaster declarations for this county, most recent Apr 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Annual change in ZIP 98221
2020 +4.3% · 2021 +13.6% · 2022 +20.7% · 2023 +3.1% · 2024 +1.2% · 2025 +8.8%
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.
0% 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.
Most recent significant event in Skagit County: Flash flood, Aug 11, 2024.
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 Skagit County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 98221-9041 · 2022
Average premium changed +13.0% 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
GASPAR'S CONSTRUCTION INC
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1 Block Bros LLC
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1 Crown Flooring LLC
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1 Eurostyle Corporation
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1 Ez Septic System Instlr LLC
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1 Handy Man Srvc/Dsgn LLC
Arlington, WA
Verified vendor companies serving WA. Listing only, not an endorsement.
Common Elements verified vendor directory
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Federal nonprofit tax filing
On file as Guemes Island Property Owners Association
Principal address · Legal name · 1 linked public record
Cross-referenced public records
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