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Claim or joinLegal name: VILLAS AT CROSS CREEK OWNERS ASSOCIATION, INC.
Association · Atlantic 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
Relatively Low composite risk for this neighborhood area · 13th percentile of FL neighborhood areas
41 federal disaster declarations for this county, including 22 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 · ATLANTIC BEACH, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
2,619 flood policies in force in this ZIP (467 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 32233
2020 +6.0% · 2021 +15.9% · 2022 +23.3% · 2023 +6.6% · 2024 -1.1% · 2025 +7.6%
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.
From public officer filings · 2026 Q2 snapshot
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0% of nearby housing sits in 5+ unit buildings, most of it built in the 1960s.
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
Nearest Superfund site: U.S. COAST GUARD JACKSONVILLE, about 3.5 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 Duval County: Coastal flood, Oct 9, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Ian, 2022; Hurricane Dorian, 2019; Hurricane Irma, 2017. 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 Duval County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32233 · 2022
Average premium changed -18.8% 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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Verified vendor companies serving Duval County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State filing
On file as VILLAS AT CROSS CREEK OWNERS ASSOCIATION, INC.
Legal name · 1 linked public record
Filed as shown; displayed as Villas at Cross Creek Owners Association, INC.
County parcel records, address verified
Principal address
Geocoded from the address on file
Map location
Geocoded 2026-08-18
Names are shown in title case for readability. The string above is the name on file, unchanged.
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