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Browse open RFPsPublic record, cross-referenced across state, county, and federal filings. Not legal advice. Consult association counsel for governance questions.
Statute-cited calculators and generators for Pine Gables Property Owners Association. No account needed.
Or start with what happened
See also the North Carolina Planned Community Act (NCGS § 47F).
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 Moderate composite risk for this neighborhood area · 73rd percentile of NC neighborhood areas
22 federal disaster declarations for this county, including 8 hurricanes, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · LAKE LURE, TOWN OF
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 28746
2020 +1.9% · 2021 +14.3% · 2022 +19.2% · 2023 +0.1% · 2024 +0.3% · 2025 +11.9%
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
4% 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.
Most recent significant event in Rutherford County: Flood, Sep 27, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Helene, 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 Rutherford County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 28746 · 2022
Average premium changed +3.1% 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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Common Elements verified vendor directory
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County parcel records
On file as Pine Gables Property Owners Association
Legal name
County parcel records, address verified
Principal address
Cross-referenced public records
Type
Public record
Map location
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
Fill-in documents Pine Gables Property Owners Association’s board can download and adapt. Statute-cited, free, and no account needed.
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