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See also the Arizona Planned Communities Act (A.R.S. § 33-1801 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 · 7th percentile of AZ neighborhood areas
21 federal disaster declarations for this county, including 1 hurricane, most recent Sep 2021.
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
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in Navajo County
2020 +7.5% · 2021 +22.0% · 2022 +23.3% · 2023 +5.0% · 2024 +3.9% · 2025 +3.2%
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
5% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
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.
Most recent significant event in Navajo County: Flood, Oct 12, 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 Navajo County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 85912-0828 · 2022
Average premium changed +28.4% 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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Federal exempt-organization listing
On file as WHITE MOUNTAIN LAKE COMMUNITY ASSOCIATION
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as White Mountain Lake Community Association
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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