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See also the Colorado Common Interest Ownership Act (C.R.S. § 38-33.3 et seq.).
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
Relatively Moderate composite risk for this neighborhood area · 79th percentile of CO neighborhood areas
14 federal disaster declarations for this county, most recent Sep 2026.
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Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
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Public record · Federal flood program records
Annual change in ZIP 81252
2020 +9.8% · 2021 +11.1% · 2022 +23.4% · 2023 +9.6% · 2024 +10.3% · 2025 -12.8%
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.
1% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
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Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Custer County: Tornado, Jul 30, 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 Custer County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 81252 · 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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State filing
On file as ST. ANDREWS HIGHLANDS HOMEOWNERS ASSOCIATION
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as St. Andrews Highlands Homeowners Association
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Names are shown in title case for readability. The string above is the name on file, unchanged.
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