This association’s public record, built from public filings and public data. Board members and managers can claim and correct it.
Claim or joinLegal name: TWIN LAKES ESTATES HOMEOWNERS ASSOCIATION, INC.
HOA · Est. 3 units · Umatilla, FL
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Public record
Neighborhood-area medians for the surrounding area, not records of this association.
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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 Low composite risk for this neighborhood area · 35th percentile of FL neighborhood areas
37 federal disaster declarations for this county, including 17 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · UMATILLA, CITY OF
79 flood policies in force in this ZIP · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Public record · State health department pool inspections
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 32784
2020 +5.3% · 2021 +10.6% · 2022 +28.5% · 2023 +11.6% · 2024 +4.1% · 2025 -2.1%
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
From public officer filings · 2026 Q2 snapshot
1% 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
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 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
Claim it to manage Twin Lakes Estates Homeowners Association, INC. on Common Elements. Claim this association
13 documents published by this association on its own website, most recent dated 2025.
Budget1
Declaration2
Governing document7
Form1
Document2
Common Elements indexed these files from twinlakesestates.net. 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 5 of 13 carry a date we could read with confidence. The rest are shown as undated rather than guessed. Resident directories and spreadsheets are excluded.
Nearest Superfund site: UMATILLA MERCURY SPILL, about 2.1 miles from this association's location.
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 Lake County: Flash flood, Oct 26, 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 Lake County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32784 · 2022
Average premium changed -31.3% 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
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Common Elements verified vendor directory
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State filing
On file as TWIN LAKES ESTATES HOMEOWNERS ASSOCIATION, INC.
Legal name · 1 linked public record
Filed as shown; displayed as Twin Lakes Estates Homeowners Association, INC.
County parcel records, address verified
Principal address
Public record
Units · 5 linked public records
Low confidence: self-declared filing or parcel proxy, withheld from public surfaces
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Names are shown in title case for readability. The string above is the name on file, unchanged.
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