Public association record. Owners and residents can join. Board members and managers can claim and update it.
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Panama City Beach, FL
Peer benchmark from state and federal public records. Reference information only.
Not enough comparable associations to show a benchmark yet
We require at least 8 peer associations in the same area and category before showing a comparison, so no individual association can be identified. The association's own public-record facts are shown below.
Elevator certificates
Not on file · State elevator certificates
Pool inspection
Not on file · State health department pool inspections
Structural Integrity Reserve Study (SIRS)
Not on file · State structural-integrity filings
FHA condo approval
Not on file · FHA condo approval records
County natural-hazard risk
Relatively Moderate · Federal hazard-risk index
Special-assessment amounts are member-gated by statute, so we never show another association's assessment. Instead, this puts the capital pressure on The Panama City Beach Surf Club Owners Association, INC. in peer context using public records: recent major building work, structural-reserve and recertification obligations, and county insurance costs.
Not enough comparable major capital projects on record to publish a typical-cost range for this association's cohort yet. We require at least 8 peer associations that actually filed major capital permits before showing a dollar range, so no individual project can be identified.
Recent major capital permits (60 mo)
Not on file · Building permits
Structural Integrity Reserve Study (SIRS)
Not on file · State structural-integrity filings
Building recertification / milestone obligation
Not on file · Building recertification records
Every figure on this page is compiled from state, county and federal public records. This is reference information, not legal, insurance, or financial advice.
Data as of September 19, 2026.
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County residential insurance cost
$1,530 average premium per residential policy · Feb 2026 · State insurance-market filings
Insurance is a top driver of assessment and budget increases statewide
A special assessment is normal when a building has real capital needs. What matters is whether it's planned and funded. Ask the board (or, before you buy, the seller and the estoppel certificate):
Special-assessment dollar amounts are member-gated by statute and are NOT shown for any association; the figures here are public-record capital proxies only. Capital figures are compiled from county building permits (estimated construction value >= $50k, last 60 months), fl dbpr sirs reporting (sb 4-d), miami-dade + broward building-safety recertification programs, and fl oir residential property insurance market data (county). This is reference information, not financial, legal, or insurance advice.
Or start with what happened
See also the Florida HOA Act (Fla. Stat. Ch. 720).