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See also the Pennsylvania Uniform Planned Community Act (68 Pa.C.S. § 5101 et seq.).
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
Relatively Low composite risk for this neighborhood area · 51st percentile of PA neighborhood areas
25 federal disaster declarations for this county, including 6 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
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 18445
2020 +0.0% · 2021 +20.9% · 2022 +0.6%
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.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No officer filings on record for Top of the Mountain Estate Property Owners Association yet.
From public officer filings
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1% of nearby housing sits in 5+ unit buildings, most of it built in the 1990s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Wayne County: Flash flood, Jul 14, 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 Wayne County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 18445 · 2022
Average premium changed -2.6% 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
3 C Drilling, LLC
Quakertown, PA
A & E Construction Co.
Upper Darby, PA
A.T. Construction Management, INC.
Drexel Hill, PA
Abs Building Systems Integrators, LLC
McKeesport, PA
Advanced Construction Services of Southwest Florida INC
Pittsburgh, PA
Ae Design INC
Elizabethtown, PA
Verified vendor companies serving Wayne County, PA. Listing only, not an endorsement.
Common Elements verified vendor directory
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Reviewed directory entry
On file as Top of the Mountain Estate Property Owners Association
Principal address · Legal name · 1 linked public record
Source not recorded
Type
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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