This grade evaluates the association as an entity — never any individual. The letter reflects the aggregate of homeowner reviews currently published here. Reviews are submitted by site users and are pseudonymous; we do not independently confirm that a reviewer lives in, or ever owned in, this association, and reviews reflect their authors’ opinions — they are not statements of fact by HOA Stories. A letter is shown only once at least 5 homeowners have reviewed, and a low grade only once at least 8 have. Public-record signals — financial filings, building- and facility-safety records, HUD FHA status, county hazard data, and regional dues — are shown alongside for context and can never set or change the letter on their own. County natural-hazard risk and regional fee benchmarks describe the area, not this association, and are excluded from the grade. This is an aggregate of homeowner opinion presented for information only; it is not a statement of fact about any person and is not legal, financial, or investment advice.
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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 116% 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.