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Claim or joinLegal name: THE PALMS SUBDIVISION HOMEOWNERS ASSOCIATION OF MEXICO BEACH, INC.
HOA · Mexico Beach, FL
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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
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 73rd 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
Communities in this county participate in the federal flood insurance program
2,318 flood policies in force in this ZIP (385 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 32456
2020 +5.6% · 2021 +14.8% · 2022 +24.5% · 2023 +14.0% · 2024 -6.8% · 2025 +5.0%
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.
From public officer filings · 2026 Q2 snapshot
18% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
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.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
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3 documents published by this association on its own website.
Declaration1
Bylaws1
Governing document1
Common Elements indexed these files from 4ourseasuns.com. Links open the association’s own copy; we do not host or redistribute the files. Document types and dates are read automatically from each file, and 0 of 3 carry a date we could read with confidence. The rest are shown as undated rather than guessed. Resident directories and spreadsheets are excluded.
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.
Post-storm federal aerial imagery exists for this location: Hurricane Helene, 2024; Hurricane Michael, 2018. 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 Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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America Refrigeration Cooling Heating INC
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Verified vendor companies serving Gulf County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State filing
On file as THE PALMS SUBDIVISION HOMEOWNERS ASSOCIATION OF MEXICO BEACH, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as The Palms Subdivision Homeowners Association of Mexico Beach, INC.
Source not recorded
Map location · Type
Names are shown in title case for readability. The string above is the name on file, unchanged.
Fill-in documents The Palms Subdivision Homeowners Association of Mexico Beach’s board can download and adapt. Statute-cited, free, and no account needed.
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