Public association record. Owners and residents can join. Board members and managers can claim and update it.
Claim or joinLegal name: THE LAKES AT CARMEL DEL MAR***
Condo / COA · 192 units · San Diego, CA
Common Elements
Find vetted vendors, run better RFPs, talk to other boards. Free to join.
Follow this association by email
Public record
Loading record details
Are you an officer or director? Claim or update this listing
Statute-cited calculators and generators for The Lakes at Carmel del Mar. No account needed.
Photos are reviewed before they appear.
No photos of The Lakes at Carmel del Mar yet. A picture of the entrance, the sign, or the buildings helps everyone recognize this community.
Upload its declaration, bylaws, or rules for a free, instant read. We flag clauses that California 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.
Or start with what happened
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 · FHA condo approval records
Relatively Moderate composite risk for this neighborhood area · 56th percentile of CA neighborhood areas
51 federal disaster declarations for this county, including 1 hurricane, most recent Feb 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · SAN DIEGO, CITY OF
CRS class 7: 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 92130
2020 -2.0% · 2021 +2.2% · 2022 +0.9%
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
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
28% 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 San Diego County: Flood, Jan 1, 2026.
Post-storm federal aerial imagery exists for this location: California, 2023. Pre-season baseline imagery also covers this location.
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 San Diego County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 92130 · 2022
Average premium changed +33.1% 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/V Consulting
San Diego, CA
Abm Electrical & Lighting Solutions, INC.
Sacramento, CA
Acs Architectural Construction Services, INC.
Newport Beach, CA
Air & Lube Systems, INC.
Sacramento, CA
Alain Hirsch Construction Corp.
Long Beach, CA
Albrapainting Handyman L.L.C.
Escondido, CA
Verified vendor companies serving San Diego County, CA. 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-lakes-at-carmel-del-mar-6cc99b1b on your phone.
Owners and residents join instantly, with no approval step.
Connect with neighbors and discuss your association. Free to join.
Cross-referenced public records
On file as THE LAKES AT CARMEL DEL MAR***
Principal address · Legal name · Type
Filed as shown; displayed as The Lakes at Carmel del Mar
Public record
Units · 1 linked public record
High confidence
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.
Boards, managers, owners, and counsel across California 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).
Fill-in documents The Lakes at Carmel del Mar’s board can download and adapt. Statute-cited, free, and no account needed.
Browse the full governance template library.