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Claim or joinLegal name: SURF BUNGALOWS AT MARGARITAVILLE BEACH COTTAGE RES, A LAND CONDO
Condo / COA · 42 units · Panama City Beach, FL
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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
Relatively High composite risk for this neighborhood area · 94th 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
8,855 flood policies in force in this ZIP (6,066 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
Annual change in ZIP 32413
2020 +8.7% · 2021 +17.6% · 2022 +27.7% · 2023 +8.8% · 2024 -4.5% · 2025 +3.0%
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.
No officer filings on record for Surf Bungalows at Margaritaville Beach Cottage Res, a Land Condominium yet.
From public officer filings
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0% of nearby housing sits in 5+ unit buildings, most of it built in 2020 or later.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
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.
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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 Bay County: Tornado, Oct 27, 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 Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32413 · 2022
Average premium changed -30.0% 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 condominium filing
On file as SURF BUNGALOWS AT MARGARITAVILLE BEACH COTTAGE RES, A LAND CONDO
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Surf Bungalows at Margaritaville Beach Cottage Res, a Land Condominium
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Names are shown in title case for readability. The string above is the name on file, unchanged.
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