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Claim or joinLegal name: MID-FLORIDA LAKES HOME OWNERS ASSOCIATION, INC.
HOA · Leesburg, 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
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 78th percentile of FL neighborhood areas
37 federal disaster declarations for this county, including 17 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 · LEESBURG, CITY OF
158 flood policies in force in this ZIP · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Public record · Federal nonprofit tax filings
Annual change in ZIP 34788
From public officer filings · 2026 Q2 snapshot
1% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
2020 +0.7% · 2021 +18.6% · 2022 +23.2% · 2023 +4.8% · 2024 +3.8% · 2025 +4.5%
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.
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
Claim it to manage Mid-Florida Lakes Home Owners Association, INC. on Common Elements. Claim this association
16 documents published by this association on its own website, most recent dated 2026.
Budget1
Rules and regulations1
Newsletter3
Form1
Document10
Common Elements indexed these files from mflhoa.com. Links open the association’s own copy; we do not host or redistribute the files. Document types and dates are read automatically from each file, and 6 of 16 carry a date we could read with confidence. The rest are shown as undated rather than guessed. Resident directories and spreadsheets are excluded.
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 Lake County: Flash flood, Oct 26, 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 Lake County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 34788 · 2022
Average premium changed -38.5% 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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State filing
On file as MID-FLORIDA LAKES HOME OWNERS ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Mid-Florida Lakes Home Owners Association, INC.
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-19
Federal nonprofit tax filing
2 linked public records
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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