Village Townhomes Association - Phase II
663 Sawatch, Edwards, CO, 81632
Solid, with items to review
A thin public record is the main driver — only 3 of 7 core public-record fields on file.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Stories, Year built, County, Management.
Board member or manager at Village Townhomes Association - Phase II? Complete your building's profile — free.
Flood zone at this address
This zone is outside the high-risk flood area, so flood insurance is usually optional. Mapped by FEMA's National Flood Hazard Layer at this building's location. FEMA NFHL
Schools nearby
- Eagle County Charter Academy0.6 mi
- World Academy Elementary School0.7 mi
- Edwards Early Learning Center0.7 mi
Distances are straight-line from this building. Enrollment counts come from the federal school directory — no school ratings are published in this data, so none are shown. NCES Common Core of Data
Know the risks before you buy
Flood claim history — ZIP 81632
No federal flood insurance claims on record for this ZIP code since 1978.
Absence of NFIP claims is not a guarantee of no flood risk. Source: OpenFEMA NFIP claims.
What condo owners pay — state average
- Colorado average: $552/yr for a condo unit-owner (HO-6) policy — 3% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Colorado average $987/yr across 15,846 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Colorado
- If the private market says no: Colorado FAIR Plan Association — statewide limited property coverage (created 2023; residential policies since April 2025) after three declinations.
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Colorado Division of Insurance.
Insurance market in Colorado
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Village Townhomes Association - Phase II report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Colorado market rules
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Colorado: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
What would a special assessment cost you here?
If Village Townhomes Association - Phase II ever levied a special assessment — for a roof, structural repairs, or an insurance shortfall — here's the math per home, using the 21 homes on public record:
Your scenario, your math — assumes an even split. Actual allocations follow the association's declaration and may weight by unit size or share.
Is Village Townhomes Association - Phase II mortgage-ready?
Answer 12 plain-English questions and see how this building lines up with Fannie Mae's published standards. Free, no account.
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