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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 county · 82nd percentile of FL counties
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
Communities in this county participate in the federal flood insurance program
2,259 flood policies in force in this ZIP (9 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
Annual change in ZIP 34759
2022 +66.6%
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 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
No officer filings on record for Peppertree Phase I at Cypress Woods yet.
From public officer filings
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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
Common Elements directory
Homeowners insurance in ZIP 34759 · 2022
Average premium changed -18.4% 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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Cross-referenced public records
On file as PEPPERTREE PHASE I AT CYPRESS WOODS
Principal address · Legal name · Type
Filed as shown; displayed as Peppertree Phase I at Cypress Woods
Geocoded from the address on file
Map location
Geocoded 2026-07-05
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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