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Statute-cited calculators and generators for Spencers Crossing Homeowners A. No account needed.
Or start with what happened
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 Low composite risk for this neighborhood area · 33rd percentile of FL neighborhood areas
39 federal disaster declarations for this county, including 18 hurricanes, most recent Apr 2026.
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
806 flood policies in force in this ZIP (68 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
Jun 10, 1998 · ERP Standard General (40C)
SWEETBRIAR UNITS 5 AND 6
Oct 4, 1996 · ERP Standard General (40C)
SWEETBRIAR UNIT 3 & 4
Feb 23, 1996 · MSSW Individual
SPENCERS CROSSING UNIT 4
Sep 12, 1995 · MSSW Individual
SWEETBRIAR
Apr 17, 1995 · MSSW Individual
SPENCERS CROSSING, UNIT 6 & 7
Capital-project and contractor activity on file.
Public record · Environmental resource permits
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 32073
2020 +3.6% · 2021 +16.3% · 2022 +24.3% · 2023 +5.9% · 2024 +1.7% · 2025 -3.4%
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.
No officer filings on record for Spencers Crossing Homeowners A yet.
From public officer filings
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5% 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
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: HIPPS ROAD LANDFILL, about 2.4 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 Clay County: Coastal flood, Oct 3, 2025.
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 Clay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32073 · 2022
Average premium changed -6.5% 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
22 & Oak Homes, LLC
Fleming Island, FL
2nd Look, LLC
Fleming Island, FL
3R Electrical Contracting LLC
Orange Park, FL
4 Season's Techs INC
Orange Park, FL
68 Degree Cooling & Heating LLC
Middleburg, FL
7S Ventures LLC
Green Cove Springs, FL
Verified vendor companies serving Clay County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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County parcel records
On file as Spencers Crossing Homeowners A
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 Spencers Crossing Homeowners A’s board can download and adapt. Statute-cited, free, and no account needed.
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