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Claim or joinLegal name: VILLAS OF CEDAR KEY, A CONDO THE
Condo / COA · 34 units · Punta Gorda, FL
Common Elements
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Public record · State filing
Statute-cited calculators and generators for Villas of Cedar Key, a Condominium The. No account needed.
Or start with what happened
See also the Florida Condominium Act (Fla. Stat. Ch. 718).
No SB 4-D applicability determination is on file for this association.
Public record · State structural-integrity filings, state workers' compensation filings
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 High composite risk for this neighborhood area · 99th percentile of FL neighborhood areas
42 federal disaster declarations for this county, including 19 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 · PUNTA GORDA, CITY OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
11,020 flood policies in force in this ZIP (4,382 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
This association carries its own workers’-comp policy, a signal it directly employs on-site staff rather than relying solely on a management company’s coverage.
Public record · State workers' compensation filings
Public record · State health department pool inspections
Approximate footprint of the primary building at this location (single-point match), not the full complex. A rough starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Annual change in ZIP 33950
2020 +5.8% · 2021 +16.3% · 2022 +36.0% · 2023 +3.7% · 2024 -6.2% · 2025 -11.8%
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.
No officer filings on record for Villas of Cedar Key, a Condominium The yet.
From public officer filings
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28% 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
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
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 Charlotte County: Tornado, Oct 9, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Milton, 2024; Hurricane Ian, 2022.
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 Charlotte County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 33950 · 2022
Average premium changed -23.4% 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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4KHOMES LLC
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75 Lighting & Signs LLC
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A & D Home Service's LLC
Port Charlotte, FL
A & R Home Builders, LLC
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Verified vendor companies serving Charlotte County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
Opens commonelements.com/directory/associations/villas-of-cedar-key-a-condo-the-punta-gorda-fl on your phone.
State condominium filing
On file as VILLAS OF CEDAR KEY, A CONDO THE
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Villas of Cedar Key, a Condominium The
Source not recorded
Type · Units
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Public record
2 linked public records
Names are shown in title case for readability. The string above is the name on file, unchanged.
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