Skip to content

Associations Forums Stories Your rights Tools Find a vendor

Log in Tell your story

Loading

HOA Stories.

The homeowner’s side of the HOA world — reviews, stories, and know-your-rights tools.

Explore

Your rights
Learn: how HOAs work
HOA & condo glossary
Find an association
Community forums
Homeowner stories
Management companies
HOA legislation
Directory data

Tools

Violation-letter analyzer
All homeowner tools
HOA Stories Pro

About & trust

How it works
How moderation works
How we make money
How we build the directory
Editorial standards
Community rules
Notice & takedown
Terms of use
Privacy
About HOA Stories
Contact
Log in or create an account

Informational only — not legal advice. Stories and reviews are submitted by homeowners and reflect their own experiences and opinions. We do not verify every claim. Consult a qualified attorney for advice about your situation.

© 2026 HOA Stories — an independent homeowners' resource.

Loading

Associations Forums Stories Your rights Tools Find a vendor

Log in Tell your story

Santa Rosa County HOAs (FL) · HOA Stories

Florida · County

HOAs in Santa Rosa County

Every association we track in Santa Rosa County, Florida — with homeowner reviews and ratings.

Associations in Santa Rosa County

196 associations

Adeline Lake Estates Property Owners' Association, Inc.

Milton, FL

Arborgate at Perdido Gardens Homeowners Association, Inc.

Gulf Breeze, FL

Arrowhead Lake Estates Homeowner's Association, Inc.

Cantonment, FL

Ashbury Hills Homeowners Association, Inc

Cantonment, FL

Ashmore Homeowner's Association, Inc.

Pace, FL

Ashton View Homeowners Association, Inc.

Milton, FL

Autumn Pines of Santa Rosa County Homeowners Association, Inc.

Pace, FL

Bahama Bay Club Townhomes a Condo

Gulf Breeze, FL

Bay Colony of Tiger Point Homeowners Association, Inc.

Gulf Breeze, FL

Bay Oaks Estates Homeowners Association Inc.

Milton, FL

Bay Pines of Santa Rosa County Homeowners Association, Inc.

Gulf Breeze, FL

Baybridge, a Condo

Gulf Breeze, FL

Baywatch Condominium Association of Pensacola Beach, Inc.

Gulf Breeze, FL

Beach Club Towers Homeowners Association, Inc.

Pensacola Beach, FL

Beach Colony Resort on Navarre West, a Condo

Navarre, FL

Beach Colony Resort on Navarre, East Condominium Association, Inc.

Pace, FL

Beach Colony Resort on Navarre, East, a Condo

Navarre, FL

Beachview Condo

Navarre Beach, FL

Bell Ridge Forest Homeowner's Association, Inc.

Cantonment, FL

Belle Mer, a Condo

Navarre Beach, FL

Blackshire Landing HOA Inc

Milton, FL

Blackwater Bay Community Association, Inc.

Milton, FL

Blackwater River Subdivision Homeowner's Association, Inc.

Milton, FL

Blossom Grove Home Owners Association, Inc.

Holt, FL

Bon View Homeowner's Association, Inc.

Milton, FL

Breezy Point Owners Association, Inc.

Gulf Breeze, FL

Breezy Point, a Condo

Gulf Breeze, FL

Brooks Landing Owners Association, Inc.

Pace, FL

Brookwood of Okaloosa Homeowners Association, Inc.

Milton, FL

Buckhaven Homeowners Association, Inc.

Milton, FL

Cameron Oaks Homeowner's Association, Inc.

Milton, FL

Caribbean Resort Condo

Navarre Beach, FL

Carrington Phase I Owners' Association, Inc.

Cantonment, FL

Champion's Green Homeowners Association, Inc.

Gulf Breeze, FL

Champion's Tee at Tiger Point East Homeowners Association, Inc.

Gulf Breeze, FL

Champions Green III Homeowners Association, Inc.

Gulf Breeze, FL

Champions Green Unit Number I and Unit Number II Homeowners Association, Inc.

Gulf Breeze, FL

Chanteclaire Homeowners Association, Inc.

Gulf Breeze, FL

Clearwater Landing Owners Association Inc.

Milton, FL

Clipper Bay Owners' Association, Inc

Gulf Breeze, FL

Copper Ridge Estates Homeowners Association, Inc.

Cantonment, FL

Country Club Villas, a Condo

Gulf Breeze, FL

Crane Cove Homeowners Association, Inc.

Gulf Breeze, FL

Crystal Lake Homeowners Association, Inc.

Gulf Breeze, FL

Day's Landing Homeowners Association, Inc.

Gulf Breeze, FL

Deer Point Cove Homeowners Association, Inc.

Gulf Breeze, FL

Deer Point Village Homeowners Association, Inc.

Gulf Breeze, FL

Destin West Beach and Bay Resort Community Association, Inc.

Gulf Breeze, FL

Driftwood of Gulf Breeze Homeowners Association, Inc.

Gulf Breeze, FL

Ebb Tide Homeowners Association, Inc.

Gulf Breeze, FL

Ellie's Cove Homeowners Association, Inc.

Cantonment, FL

Emerald Forest Homeowners Association, Inc.

Milton, FL

Ferdinand Plaza Condominium Owners' Association, Inc.

Gulf Breeze, FL

First Addition to Santa Rosa Villas Owners Association, Inc.

Pensacola Beach, FL

Foxboro Property Owners' Association, Inc.

Pace, FL

Grand Chenier Home Owners Association, Inc.

Gulf Breeze, FL

Grand Pointe Cove Owners' Association, Inc.

Gulf Breeze, FL

Grand Pointe East Homeowners Association, Inc.

Gulf Breeze, FL

Grand Pointe Estates Homeowners Association, Inc.

Gulf Breeze, FL

Grand Pointe Manor Owners' Association, Inc.

Gulf Breeze, FL

Grand Reserve Owners Association, Inc

Gulf Breeze, FL

Green Briar Townhouse Homeowners Association,inc.

Gulf Breeze, FL

Gulf Island Condos

Navarre, FL

Habersham Homeowners Association, Inc.

Pace, FL

Hamilton Crossing Homeowners Association of Escambia County, Inc.

Cantonment, FL

Hammock De Galvez Homeowner's Association, Inc.

Milton, FL

Hawks Landing Owners Association, Inc.

Pace, FL

Hayes Heights Property Owners Association, Inc.

Milton, FL

Haymeadow Hammock Homeowners Association, Inc.

Milton, FL

Heritage Oaks of Navarre Owners' Association, Inc.

Pace, FL

Hidden Forest Property Owners' Association, Inc.

Pace, FL

Hidden Pines Estates Homeowners Association, Inc.

Milton, FL

Hidden Valley Homeowners Association of Escambia County, Inc.

Cantonment, FL

Holiday Acres Homeowners Association, Inc.

Milton, FL

Holiday Beach Resort-Soundside Condominium Association, Inc.

Pensacola Beach, FL

Homeowner's Association of Indian Springs, Inc.

Holt, FL

Imperial Condo

Gulf Breeze, FL

Inn at Summerwind, a Condo, The

Navarre Beach, FL

Katie Ridge Owners Association, Inc.

Pace, FL

Kimbrell Estates Homeowners Association Inc

Milton, FL

La Caribe Condominium Association, Inc.

Pensacola Beach, FL

La Caribe Owners Association, Inc.

Pensacola Beach, FL

La Caribe Townhome Owners Association, Inc.

Pensacola Beach, FL

La Plaza Condominium Association, Inc.

Pensacola Beach, FL

Lafitte Cove Unit II Homeowners Association, Inc.

Gulf Breeze, FL

Lake Chateau Condominium Association, Inc.

Gulf Breeze, FL

Lakes of Carrington Homeowners Association, Inc.

Cantonment, FL

Lakeside Townhomes Owners Association, Inc.

Pensacola Beach, FL

Las Colinas Subdivision Homeowners Association, Inc.

Milton, FL

Long Branch Farms Airport HOA Inc

Baker, FL

Long Branch Farms HOA, Inc

Baker, FL

Mar Walt Professional Medical Center Owners Association, Inc.

Baker, FL

Marina Cove Homeowners Association of Pensacola, Inc.

Cantonement, FL

Mills Bayou Homeowner's Association, Inc.

Milton, FL

Misting Springs Owners Association, Inc.

Gulf Breeze, FL

Montrose Owners Association, Inc.

Pace, FL

Navarre Beach Regency, a Condo

Navarre Beach, FL

Nichols Lake Campground Homeowners Association, Inc.

Milton, FL

Nichols Lake Estates Owners' Association, Inc.

Milton, FL

North Diamond Creek East Homeowners Association, Inc.

Pace, FL

North Diamond Creek West Homeowners Association, Inc

Pace, FL

North Hills Homeowners Association, Inc.

Gulf Breeze, FL

North Island Homeowner's Association, Inc.

Milton, FL

Oak Pointe of Tiger Point Homeowners Association, Inc.

Gulf Breeze, FL

Pace Commons Homeowners Association, Inc.

Pace, FL

Parker's Landing Homeowner's Association, Inc.

Pace, FL

Parkland S.R.C. Homeowners Association, Inc.

Milton, FL

Parkway Plaza Owners' Association, Inc.

Gulf Breeze, FL

Peake's Point Homeowners Association, Inc.

Gulf Breeze, FL

Pearl of Navarre Beach, a Condo, The

Navarre Beach, FL

Petersen Point Homeowners Association, Inc.

Milton, FL

Pier 23 at Navarre Landing, a Condo

Navarre, FL

Pine Lake Estates Property Owners Association, Inc.

Milton, FL

Pinebrook Home Owner's Association, Inc.

Cantonment, FL

Piney Ridge Acres Home Owner's Association, Inc.

Cantonment, FL

Pirates' Bay Community Association, Inc.

Gulf Breeze, FL

Players Club at Tiger Point East Homeowners Association, Inc.

Gulf Breeze, FL

Pond Creek Landing Homeowners Association, Inc.

Cantonment, FL

Portofino Master Homeowners Association, Inc.

Pensacola Beach, FL

Portofino Tower Five Homeowners Association at Pensacola Beach, Inc.

Pensacola Beach, FL

Portofino Tower Four Homeowners Association at Pensacola Beach, Inc.

Pensacola Beach, FL

Portofino Tower One Homeowners Association at Pensacola Beach, Inc.

Pensacola Beach, FL

Portofino Tower Three Homeowners Association at Pensacola Beach, Inc.

Pensacola Beach, FL

Portofino Tower Two Homeowners Association at Pensacola Beach, Inc.

Pensacola Beach, FL

Regency Towers

Gulf Breeze, FL

Regency Towers Condominium Association, Inc.

Pensacola Beach, FL

Rishwood Owners Association, Inc.

Cantonment, FL

River Woods Ranch Homeowners Association, Inc.

Pace, FL

Robert Cowen Industrial Park Owners' Association, Inc.

Gulf Breeze, FL

Robert's Ridge Homeowner' Association, Inc.

Cantonment, FL

Safe Harbour Village, a Condo

Gulf Breeze, FL

Sailwind a Condo

Gulf Breeze, FL

Sanborn Hill Homeowners Association, Inc.

Milton, FL

Sandy Creek of Santa Rosa Homeowners Association, Inc.

Milton, FL

Santa Rosa Dunes Owners Association, Inc.

Pensacola Bch, FL

Santa Rosa Oaks Condo

Gulf Breeze, FL

Santa Rosa Oaks Condominium Owners Association, Inc.

Pace, FL

Santa Rosa Towers Owners Association, Inc.

Pensacola Beach, FL

Santa Rosa Yacht Club Owners Association, Inc.

Gulf Breeze, FL

Sawgrass at Tiger Point Homeowners Association, Inc.

Gulf Breeze, FL

Seahorse

Gulf Breeze, FL

Seahorse Condominium Association, Inc.

Pensacola Beach, FL

Second Addition to Santa Rosa Villas Owners' Association, Inc.

Pensacola Beach, FL

Shoreline Place Homeowners Association of Gulf Breeze, Inc.

Gulf Breeze, FL

Silverglen Estates Homeowners Association, Inc.

Cantonment, FL

Sky Park Estates Homeowner's Association, Inc.

Baker, FL

Smugglers Cove Homeowners Association, Inc.

Gulf Breeze, FL

Solimar of Cobia Bay Homeowners Association, Inc.

Gulf Breeze, FL

Sound Forest Homeowners Association of Gulf Breeze, Inc.

Gulf Breeze, FL

Sound Haven Phase I Owners Association, Inc.

Pace, FL

Soundside Moorings Homeowners Association, Inc.

Pace, FL

Soundwind Condominium Association, Inc.

Gulf Breeze, FL

Soundwind, a Condo

Gulf Breeze, FL

Spanish Landing Condominium Association, Inc.

Pensacola Beach, FL

Spencer Ridge West Owners Association, Inc.

Pace, FL

Sugar Dunes Condo

Navarre Beach, FL

Summerwind Condo

Navarre Beach, FL

Summerwind West Condo

Navarre Beach, FL

Sunchase, a Condo

Gulf Breeze, FL

Sunrise Subdivision Homeowners Association, Inc.

Gulf Breeze, FL

Sunset Harbor Condo

Navarre, FL

Sunset Harbor Condominium Owners' Association, Inc.

Pace, FL

Sunset Pines HOA of Src Inc

Destin, FL

Sweet Water Creek North Owners Association, Inc.

Pace, FL

Sweet Water Creek South Owners Association, Inc.

Milton, FL

Tahiti Isle Homeowners Association, Inc.

Gulf Breeze, FL

Talley Lane Homeowner's Association, Inc.

Cantonment, FL

Terry Cove Homeowners Association, Inc.

Milton, FL

The Boardwalk Condominium Association, Inc.

Gulf Breeze, FL

The Cottages of Hamilton Bridge Owners Association, Inc.

Milton, FL

The Homeowners Association of Canoe Creek Estates, Inc.

Gulf Breeze, FL

The Imperium Condominium Association, Inc.

Gulf Breeze, FL

The Reserve at the Waters Owners Association, Inc.

Gulf Breeze, FL

The Soundings Homeowners Association, Inc.

Gulf Breeze, FL

The Terrace at Riverina Homeowners Association, Inc.

Pace, FL

Tiburon West of Santa Rosa County Homeowners Association, Inc.

Pace, FL

Tidal Bay Homeowners Association, Inc.

Milton, FL

Timber Creek Estates Owners Association, Inc.

Pace, FL

Tristan Towers Homeowners Association, Inc.

Gulf Breeze, FL

Tristan Villas Homeowners Association, Inc.

Pensacola Beach, FL

Turner's Meadow Homeowners Association, Inc.

Cantonment, FL

Twelve Oaks Plantation Homeowners Association, Inc.

Pace, FL

Twin Lake Estates Homeowners Association, Inc.

Milton, FL

Villas at Santa Rosa Sound, a Condo

Gulf Breeze, FL

Waterstone Homeowners Association of Santa Rosa County, Inc.

Pace, FL

Waterview Estates Property Owners' Association, Inc.

Milton, FL

Waterways at Tiger Point East Homeowners Association, Inc.

Gulf Breeze, FL

Wayside Homeowner's Association, Inc.

Gulf Breeze, FL

Wes Vic Holiday Sands Property Owners' Association, Inc.

Gulf Breeze, FL

West Roberts Estates Subdivision Homeowner's Association, Inc.

Cantonment, FL

Westfield Homeowners Association Inc

Cantonment, FL

Whisper Bay Homeowner's Association, Inc.

Gulf Breeze, FL

White Sands Cottages Homeowners Association, Inc.

Pace, FL

Windsong Homeowners Association of Escambia County, Inc.

Cantonment, FL

Woodbine Business Park Condominium Owners' Association, Inc.

Pace, FL

Yellow River Airport Property Owners Association, Inc.

Holt, FL

The money picture in Santa Rosa County

Typical dues near Santa Rosa

$122/ month65% below the FL typical of $35323th percentile in FL

Condo / co-op: $675/mo
Single-family: $52/mo
Share paying a fee: 7.9%

A typical fee among paying households near Santa RosaCounty, from U.S. Census ACS microdata — not a quote for any specific association. See the full state-by-state study.

Sources: U.S. Census ACS microdata, IRS Form 990 filings, and HUD FHA condo approvals (all public records). See all FL associations for the full directory.

Natural-hazard risk in Santa Rosa County

FEMA’s National Risk Index scores every U.S. county on natural-hazard exposure, community susceptibility, and resilience. Homeowners in Santa Rosa County, FL share the county-wide risk profile below — useful context for insurance decisions, reserve planning, and evaluating a community’s long-term risk environment.

Overall county riskRelatively Moderate·Expected lossRelatively Moderate

Most elevated county hazards

Hurricane · Relatively High
Lightning · Relatively High

Only hazards rated “Relatively High” or above are shown.

43 federal disaster declarations have affected Santa Rosa County.

Hurricane Helene · 2024
Tropical Storm Helene · 2024
Hurricane Debby · 2024
Tropical Storm Debby · 2024

Source: FEMA National Risk Index and FEMA disaster-declaration database (public domain). County-wide figures — not a property-specific or association-level assessment.