Public association record. Owners and residents can join. Board members and managers can claim and update it.
Claim or joinLegal name: The Cottages at Emerald Lakes Owners Association, Inc.
HOA · Biloxi, MS
Common Elements
Find vetted vendors, run better RFPs, talk to other boards. Free to join.
Follow this association by email
Public record
Neighborhood-area medians for the surrounding area, not records of this association.
Loading record details
Are you an officer or director? Claim or update this listing
Photos are reviewed before they appear.
No photos of The Cottages at Emerald Lakes Owners Association, INC. yet. A picture of the entrance, the sign, or the buildings helps everyone recognize this community.
Upload its CC&Rs, bylaws, or covenants for a free, instant read. We flag clauses that Mississippi statute or federal law may have already overridden, so you know what still holds. No account required; the file is held 7 days, then deleted.
Request quotes from vetted firms: insurance, management, banking, reserve studies, legal. Free for boards and managers.
Get quotesSee open bid requests and get listed in the vendor directory.
Browse open RFPsPublic record, cross-referenced across state, county, and federal filings. Not legal advice. Consult association counsel for governance questions.
Statute-cited calculators and generators for The Cottages at Emerald Lakes Owners Association. No account needed.
Or start with what happened
See also the Mississippi Homeowners Association Act.
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
Public record · Federal flood-hazard maps
Relatively Low composite risk for this neighborhood area · 17th percentile of MS neighborhood areas
37 federal disaster declarations for this county, including 24 hurricanes, most recent Aug 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · BILOXI, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 39532
2020 +3.6% · 2021 +11.2% · 2022 +17.2% · 2023 +1.9% · 2024 +6.1% · 2025 -0.5%
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.
71% of nearby housing sits in 5+ unit buildings, most of it built in the 2010s.
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.
Most recent significant event in Harrison County: Flash flood, Jul 1, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Zeta, 2020; Hurricane Isaac, 2012; Hurricane Katrina, 2005.
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 Harrison County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 39532 · 2022
Average premium changed -7.1% 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
A C E Thatch & Bamboo INC
McComb, MS
A&B Electric Co INC of Ms
Meridian, MS
Ab&H Construction LLC
Canton, MS
Advance Electric Co. of Mississippi INC.
Olive Branch, MS
Aladdin Construction Company, INC.
Biloxi, MS
Alarm Services Group Limited Liability Company
Southaven, MS
Verified vendor companies serving Harrison County, MS. Listing only, not an endorsement.
Common Elements verified vendor directory
On a computer? Scan to open this association in the app.
Opens commonelements.com/directory/associations/the-cottages-at-emerald-lakes-owners-association-inc-biloxi-ms on your phone.
Owners and residents join instantly, with no approval step.
Connect with neighbors and discuss your association. Free to join.
Reviewed directory entry
On file as The Cottages at Emerald Lakes Owners Association, Inc.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as The Cottages at Emerald Lakes Owners Association, INC.
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-06-05
Names are shown in title case for readability. The string above is the name on file, unchanged.
Fill-in documents The Cottages at Emerald Lakes Owners Association’s board can download and adapt. Statute-cited, free, and no account needed.
Browse the full governance template library.
Boards, managers, owners, and counsel across Mississippi discuss assessments, rules, reserves, meetings, and disputes in the Common Area. Post anonymously under an alias (your real name is never shown unless you choose).