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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 county · 71st percentile of FL counties
38 federal disaster declarations for this county, including 19 hurricanes, most recent Oct 2024.
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
203 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
Public record · State health department pool inspections
Annual change in ZIP 34491
2020 +2.6% · 2021 +17.7% · 2022 +28.9% · 2023 +6.7% · 2024 +2.2% · 2025 -1.9%
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 Structural Integrity Reserve Study on file yet.
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Most recent significant event in Marion County: Wildfire, Feb 7, 2026.
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 Marion County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Public record · State structural-integrity filings, county parcel records
Homeowners insurance in ZIP 34491 · 2022
Average premium changed -12.4% 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
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Cross-referenced public records
On file as SPRUCE CREEK GOLF & COUNTRY CLUB
Principal address · Legal name · Type
Filed as shown; displayed as Spruce Creek Golf & Country Club
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Public record
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