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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 High composite risk for this neighborhood area · 96th percentile of FL neighborhood areas
40 federal disaster declarations for this county, including 24 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
35 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
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32577
2020 +12.1% · 2021 +13.1% · 2022 +32.4% · 2023 -6.0% · 2024 +9.9% · 2025 +9.4%
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.
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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
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
Most recent significant event in Escambia County: Tornado, Jun 17, 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 Escambia County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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Cross-referenced public records
On file as OREO HOMEOWNERS ASSOCIATION IN
Principal address · Legal name · Type
Filed as shown; displayed as Oreo Homeowners Association In
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