Sweetwater Oaks II
Sweetwater Lake Dr, Tampa, FL, 33613
Mixed signals — review carefully
Insurance cost is the main driver — about $1,353 a year for a typical HO-6 policy (Hillsborough County average).
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: 6 of 9
67%Still blank: Stories, Year built, Mapped location.
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Recorded sales in this building
County public records — every row carries its official book/page or instrument numberNo recorded condo sales for this building appear in the public records we've ingested yet. Sales coverage is rolling out county by county from official state and county files — nothing here is ever pulled from listing sites. How Value Opinions will work →
How Sweetwater Oaks II compares
That makes it larger than 70% of the 654 Hillsborough County communities with a home count on record.
Know the risks before you buy
Natural-hazard profile — Hillsborough County
Overall county risk: Relatively High compared with other U.S. counties.
FEMA expects natural hazards to cost $495M per year across Hillsborough County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 33613
Federal flood insurance has paid $5.1M across 107 claims in this ZIP code since 1979. The worst year was 2024 ($4.8M paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleHurricane. Wind is usually a covered peril, but hurricane or named-storm claims often carry a separate deductible expressed as a percentage of the insured value — 1% to as high as 15%. NAIC
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — county & state averages
- Florida average: $1,084/yr for a condo unit-owner (HO-6) policy — 90% above the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Hillsborough County average: $1,353/yr including wind coverage ($799 excluding wind coverage) — all condo unit-owner policies in force in the county, as of March 31, 2026. Florida OIR
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Florida average $951/yr across 1,753,911 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 Florida
- If the private market says no: Citizens Property Insurance Corporation — the state’s insurer of last resort, statewide (including wind-only coastal territories).
- Mitigation discounts: Florida law requires insurers to offer premium discounts for wind-mitigation features (Fla. Stat. §627.0629). Florida OIR
- Storm deductibles: Hurricane deductibles are typically 2, 5, or 10 percent of the dwelling coverage amount. Florida DFS
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Florida Office of Insurance Regulation.
Insurance market in Florida
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 Sweetwater Oaks 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 Florida market rules
- How its size compares with the county and state
- 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 in Florida
- Milestone structural inspection at 30 years (some coastal buildings earlier) — s. 553.899, Florida Statutes
- Structural integrity reserve study (SIRS) required for buildings 3+ stories — s. 718.112, Florida Statutes
- 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 Florida: 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 Sweetwater Oaks II ever levied a special assessment — for a roof, structural repairs, or an insurance shortfall — here's the math per home, using the 62 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 Sweetwater Oaks 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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