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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 · 91st percentile of FL neighborhood areas
47 federal disaster declarations for this county, including 26 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · MARATHON, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
4,590 flood policies in force in this ZIP (1,170 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
Feb 18, 2026 · Initial Install/Relocate
Initial Install/Relocate · Inclined Wheel
FLORIDA LIFTS LLC
Feb 18, 2026 · Initial Install/Relocate
Initial Install/Relocate · Inclined Wheel
FLORIDA LIFTS LLC
Capital-project and contractor activity on file.
Public record · Building permits
Public record · State health department pool inspections
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 33050
2020 +8.3% · 2021 +16.9% · 2022 +19.4% · 2023 +16.3% · 2024 -3.0% · 2025 -1.6%
No officer filings on record for Pirates Cove Master Associatio yet.
From public officer filings
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13% 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
2 more certificates on file.
Floors served is the elevator's own stop count, not an official building-height record, a close proxy, not an exact story count.
Public record · State elevator certificates
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
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.
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
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Monroe County: Flood, Dec 29, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Ian, 2022. Pre-season baseline imagery also covers this location.
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 Monroe County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 33050 · 2022
Average premium changed -41.4% 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
2G Construction Management LLC
Tavernier, FL
3rd Generation Plumbing, INC
Marathon, FL
A Affordable Emergency Svcs INC
Key Largo, FL
A All Major Brands Corp
Key Largo, FL
A Perry Homes Florida LLC
Key Largo, FL
A Plus Roofing of Key West INC
Key West, FL
Verified vendor companies serving Monroe County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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Cross-referenced public records
On file as PIRATES COVE MASTER ASSOCIATIO
Legal name · Type
Filed as shown; displayed as Pirates Cove Master Associatio
County parcel records, address verified
Principal address
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Public record
18 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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