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Claim or joinLegal name: HORSE CREEK PHASE 3 HOMEOWNERS ASSOCIATION, INC.
HOA · Winter Haven, FL
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Neighborhood-area medians for the surrounding area, not records of this association.
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Public record · State filing, state filing, registered agent
Statute-cited calculators and generators for Horse Creek Phase 3 Homeowners Association. No account needed.
Or start with what happened
See also the Florida HOA Act (Fla. Stat. Ch. 720).
No SB 4-D applicability determination is on file for this association.
Public record · State structural-integrity filings, state workers' compensation filings
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
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 67th percentile of FL neighborhood areas
42 federal disaster declarations for this county, including 18 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · WINTER HAVEN, CITY OF
CRS class 8: community flood-mitigation rating, 1 is the strongest discount
284 flood policies in force in this ZIP (7 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
This association carries its own workers’-comp policy, a signal it directly employs on-site staff rather than relying solely on a management company’s coverage.
Public record · State workers' compensation filings
Annual change in ZIP 33880
2020 +7.1% · 2021 +14.1% · 2022 +25.8% · 2023 +9.2% · 2024 -0.6% · 2025 -1.5%
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 Horse Creek Phase 3 Homeowners Association, INC. on Common Elements. Claim this association
4% of nearby housing sits in 5+ unit buildings, most of it built in the 1950s.
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
PRIME COMMUNITY MANAGEMENT, LLC · Management Company
375 Ave A SE
WINTER HAVEN, 33880
Public record · State filing
Nearest Superfund site: CENTRAL FLORIDA GASIFICATION PLANT, about 0.7 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 Polk County: Hurricane, Oct 9, 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 Polk County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 33880 · 2022
Average premium changed -34.3% 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
Verified vendor companies serving Polk County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State filing
On file as HORSE CREEK PHASE 3 HOMEOWNERS ASSOCIATION, INC.
Legal name · 1 linked public record
Filed as shown; displayed as Horse Creek Phase 3 Homeowners Association, INC.
County parcel records, address verified
Principal address
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-08-18
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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