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Claim or joinLegal name: SPRG LAKES ESTATES HM ASSOC
HOA · Chipley, FL
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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 Moderate composite risk for this neighborhood area · 78th percentile of FL neighborhood areas
40 federal disaster declarations for this county, including 20 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 · CHIPLEY,CITY OF
78 flood policies in force in this ZIP · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32428
2020 +1.8% · 2021 +15.3% · 2022 +12.8% · 2023 +9.8% · 2024 +0.1% · 2025 +7.1%
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
No officer filings on record for Sprg Lakes Estates Hm Association yet.
From public officer filings
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0% 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
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 Washington County: Flash flood, May 11, 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 Washington County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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Cross-referenced public records
On file as SPRG LAKES ESTATES HM ASSOC
Legal name · Type
Filed as shown; displayed as Sprg Lakes Estates Hm Association
County parcel records, address verified
Principal address
Geocoded from the address on file
Map location
Geocoded 2026-07-12
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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