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See also the Virginia Property Owners' Association Act (Va. Code § 55.1-1800 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
Public record · Federal flood-hazard maps
Relatively Low composite risk for this neighborhood area · 56th percentile of VA neighborhood areas
25 federal disaster declarations for this county, including 6 hurricanes, most recent Jan 2026.
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 22903
2020 +1.2% · 2021 +8.2% · 2022 +17.0% · 2023 +11.3% · 2024 +11.7% · 2025 -1.8%
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
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79% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
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 Albemarle County: Flash flood, Jul 19, 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 Albemarle County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 22903 · 2022
Average premium changed +8.1% 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
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State common interest community filing
On file as VILLAGE HOMES II AT MILL CREEK OWNERS ASSOCIATION
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Village Homes II at Mill Creek Owners Association
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Map location · Type
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