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See also the Oregon Planned Community Act (ORS Ch. 94).
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 High composite risk for this neighborhood area · 92nd percentile of OR neighborhood areas
19 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
Participates in the federal flood insurance program · ASTORIA, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 97103
2020 +1.9% · 2021 +19.0% · 2022 +19.1% · 2023 +4.6% · 2024 -3.1% · 2025 +4.1%
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.
From public officer filings · 2026 Q3 snapshot
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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
Most recent significant event in Clatsop County: Flood, Dec 5, 2023.
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 Clatsop County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 97103 · 2022
Average premium changed +18.8% 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
C2K Architecture, INC
Portland, OR
Carlstrom Management Group, LLC
The Dalles, OR
Censor Commercial Construction, LLC
Bend, OR
Dengub LLC
Portland, OR
Eb Construction of North Florida LLC
Cave Junction, OR
Goodnight Homes by Bray Construction, LLC
Milwaukie, OR
Verified vendor companies serving Clatsop County, OR. Listing only, not an endorsement.
Common Elements verified vendor directory
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Reviewed directory entry
On file as OCEANSIDE COUGAR RIDGE HOMEOWNERS ASSOCIATION
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Oceanside Cougar Ridge Homeowners Association
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Names are shown in title case for readability. The string above is the name on file, unchanged.
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