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Claim or joinLegal name: RIVER OAKS TENNIS VILLAS, A CONDO
Condo / COA · 38 units · Panama City Beach, FL
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Neighborhood-area medians for the surrounding area, not records of this association.
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Public record · State filing
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See also the Florida Condominium Act (Fla. Stat. Ch. 718).
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
Public record · Federal flood-hazard maps
Relatively High composite risk for this neighborhood area · 90th percentile of FL neighborhood areas
49 federal disaster declarations for this county, including 26 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · PANAMA CITY BEACH, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
5,045 flood policies in force in this ZIP (3,556 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
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
3 recorded sales since 2024. 49,980 total living square feet on the roll.
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
No officer filings on record for River Oaks Tennis Villas, a Condominium yet.
From public officer filings
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58% 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
Annual change in ZIP 32407
2020 +13.1% · 2021 +5.7% · 2022 +21.4% · 2023 +12.8% · 2024 -6.4% · 2025 +1.2%
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
Nearest Superfund site: BAYSIDE DUMP, about 4.0 miles from this association's location.
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 Bay County: Tornado, Oct 27, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Sally, 2020; Hurricane Michael, 2018; Tropical Storm Gordon, 2018. 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 Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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Common Elements verified vendor directory
Opens commonelements.com/directory/associations/river-oaks-tennis-villas-a-condo-panama-city-beach-fl on your phone.
State condominium filing
On file as RIVER OAKS TENNIS VILLAS, A CONDO
Legal name · 1 linked public record
Filed as shown; displayed as River Oaks Tennis Villas, a Condominium
County parcel records, address verified
Principal address
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Names are shown in title case for readability. The string above is the name on file, unchanged.
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