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No structural reserve study appears on file where one is expected — homeowners have less visibility into how big-ticket repairs will be funded.
·The most recent filing shows the association spent more than it collected — a single deficit year is common, but a pattern can mean dues pressure ahead.
·Debt is a high share of what the community owns (about 113% of assets) — less cushion if a major expense lands.
Liabilities exceed assets
No reserve study on file
Spent more than it collected
High debt vs. assets
Derived independently from primary public records (IRS Form 990, structural reserve studies, and public building-department recertifications). Entity-level only.
· 2023
Severe Winter Storms, Flooding, And Mudslides · 2023
Coastal Fire · 2022
From FEMA's public National Risk Index and federal disaster-declaration records, at the county level. Area-wide context, not a property-specific assessment.