Five-year reserve planning My HOA Budget

Clearwater, Florida condo association

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Clearwater Point

Clearwater Point is a condo association in Clearwater, Florida. This profile tracks monthly dues $650–$1,200/mo, 400 units, built in 1974, managed by Resource Property Management, reserve study status not yet verified...

condo Public records Reserve health: No study on record Browse Clearwater communities Florida reserve laws

Profile 67% complete — board members can fill in the rest

HOA dues, reserve study, and community facts

Units 400
Year built 1974
Monthly dues $650–$1,200/mo
Reserve health Check my risk
Management Resource Property Management
Active listings 15
Median sale price $525K

Amenities

PoolSpaTennisBeach access

Board and management

No board listed — who's managing your dues?

Board member? Claim this page

Reserve study and funding

Clearwater Point has no reserve study on record. Without one, there's no way to know if dues cover what's coming.

Check what's missing

5-year outlook

Will you get hit with a special assessment?

Special assessments can run into thousands per unit when major work outruns reserves. We model that risk for Clearwater Point based on reserve health, building age, and Florida requirements — so you see it coming before the board votes.

Special assessment risk Planned dues increases Reserve shortfall forecast
I am a...

Values used: scaled defaults where community data is unknown — starting reserve (scaled from unit count at $15k/unit); annual opex (scaled from revenue at 84%).

Try it on a typical condo

A mid-size urban condo, five years out

Starting reserve $1.5M · $500K/yr dues revenue · $420K/yr operating expenses · $1.5M of reserve-study capital work over five years. Switch on the levers your board actually controls and watch where the reserve lands.

5-year ending reserve$7.84MPlan is healthy
$0HEALTHY TARGET · $1.0M202620272028202920302031$7.8M
Annual dues increase+5% compounding · $3.12M/yr → $3.98M/yr by 2031
5%
Operating expense growth+4% YoY · insurance, vendors, utilities · $2.62M/yr → $3.19M/yr by 2031
4%
Board member next stepTurn this scenario into a board-ready next step.

Send the reserve-planning context and keep the follow-up focused on board decisions.

Plan our next five years

About Clearwater Point

Clearwater Point is a 400+ unit beachfront condo complex on the southern tip of Clearwater Beach, originally built starting in 1974. The community spans nine buildings — four 9-story towers and five 3-story low-rises — organized into multiple sub-associations (Clearwater Point Condo Association No. 1 through No. 8). Nearly all units are 2BR/2BA, ranging from 1,000 to 1,600 sq ft with balconies.

What we know

  • Units: 400+ across 9 buildings
  • Year built: 1974–1980s
  • Monthly dues: $650–$1,200/mo
  • Management: Resource Property Management (manages some sub-associations)
  • Amenities: Three swimming pools, hot tub, private beach, tennis, shuffleboard courts, BBQ area
  • Active listings: ~15 units for sale
  • Median sale price: ~$525K

Part of the community is age-restricted (55+), part is unrestricted — varies by building association.

Reserve health

Reserve health hasn’t been verified for Clearwater Point yet. Before you approve a budget, pay a special assessment, or close on a unit here, Florida law defines exactly what reserve records a condo must keep and what owners can request — see Florida condo reserve funding rules.

With 8 separate sub-associations across buildings from the 1970s–80s, reserve adequacy likely varies significantly. None have been verified.

What’s still missing

  • Board rosters for individual associations
  • Reserve study dates and balances per association
  • Special assessment history
  • Community photos

For board members

If you serve on any Clearwater Point association board, you can claim this page to add your building’s reserve data and board roster.

More Clearwater communities

View Clearwater directory
Public records Island Estates
2000 units $400–$600/mo mixed

Florida laws that apply here

Condo reserve funding

Florida condominium reserve funding rules, in plain language

How Florida's Chapter 718 condominium statute actually handles reserves — through a default budget framework, a member-vote waiver mechanism for some reserves, and the post-Surfside Structural Integrity Reserve Study regime that makes certain reserves non-waivable — and what all of that means for a board, owner, or buyer.

Fla. Stat. § 718.112(2)(f) and (g) — condominium annual budgets, reserve accounts, waiver limits, and Structural Integrity Reserve Study requirements, with milestone-inspection cross-reference to Fla. Stat. § 553.899 Reserve funding

Florida HOA reserve funding rules, in plain language

How Florida Statutes Chapter 720 actually handles HOA reserves, why they are elective rather than mandatory, and what that means for a board, owner, or buyer making a real decision.

Florida Statutes § 720.303(6) — Budgets; reserves

Is this your community?

Board members and property managers can claim this page to add photos, amenities, board roster, and reserve details. Make Clearwater Point look as good online as it does in person.

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Next step

Need documents from Clearwater Point?

We can help you request reserve studies, budgets, and meeting minutes. Pick the option that fits.

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