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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 Moderate composite risk for this neighborhood area · 66th percentile of FL neighborhood areas
34 federal disaster declarations for this county, including 21 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
8,908 flood policies in force in this ZIP (2,876 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
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32082
2020 +5.0% · 2021 +12.6% · 2022 +24.6% · 2023 +12.7% · 2024 +8.4% · 2025 +0.4%
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
No officer filings on record for Island Cove Homeowners Associa yet.
From public officer filings
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11% 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
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.
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: SOLANA ROAD RADIATION, about 3.2 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 St. Johns County: Coastal flood, Oct 10, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Ian, 2022. Pre-season baseline imagery also covers this location.
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 St. Johns County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32082 · 2022
Average premium changed -6.0% 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
1 Roof LLC
Ponte Vedra, FL
123 Cbc INC.
Ponte Vedra, FL
1565 Woodworks, LLC
Saint Augustine Beac, FL
20/20 Plumbing LLC
Elkton, FL
22 Affordable Contractors LLC
Saint Augustine, FL
27 South Home Group, LLC
Ponte Vedra Beach, FL
Verified vendor companies serving St. Johns County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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Cross-referenced public records
On file as ISLAND COVE HOMEOWNERS ASSOCIA
Legal name · Type
Filed as shown; displayed as Island Cove Homeowners Associa
County parcel records, address verified
Principal address
Public record
Map location · 1 linked public record
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
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