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See also the Michigan Nonprofit Housing Corporations Act (MCL § 559).
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 Low composite risk for this neighborhood area · 77th percentile of MI neighborhood areas
7 federal disaster declarations for this county, including 1 hurricane, most recent Jun 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Annual change in ZIP 49740
2020 +1.8% · 2021 +15.3% · 2022 +18.1% · 2023 +23.8% · 2024 +10.6% · 2025 -3.3%
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.
2% 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
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in Emmet County: Flood, Sep 3, 2022.
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 Emmet County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 49740 · 2022
Average premium changed +3.0% 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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Federal nonprofit tax filing
On file as Pine Grove Homeowners Association
Principal address · Legal name · 1 linked public record
Cross-referenced public records
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