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West Powell Butte Estates Property Owners Association, Inc.

5451 SW Mt Rainier Dr, Powell Butte, OR, 97753

68/100 · C

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

Flood exposure73

Structure & age50

Hazards & cost98

Record depth46

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100,155associations tracked
3.7Mhomes covered
FEMA + stateprimary sources
July 2026last updated

We only publish what the public record says. Where the record is blank, we say so — we never fill the gap with an estimate. How we score →

Map location not yet confirmed for this address

The 3-second read

Signals from government records — tap any tile for the source.

Listed from state public records. Details can be incomplete or out of date — a blank means the record doesn't say, not that the answer is no. This directory is not a rating and not a lender's decision.

TypeHOA
Street address5451 SW Mt Rainier Dr
CountyCrook County
ZIP code97753

Public records on file: 4 of 9

44%

Still blank: Homes, Stories, Year built, Management, Mapped location.

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Recorded sales in this building

County public records

No recorded sales linked yet for this association. Blank = not in public records — we never estimate to fill a gap.

How professionals adjust comps

A licensed appraiser or agent doesn’t just average recorded prices — they adjust each comparable sale for differences from the unit in question, then reconcile a range. The factors they typically weigh:

  • Bedrooms/bathrooms and layout — more bedrooms or a better floor plan usually support a higher price.
  • Size (square footage) — adjustments are often made on a price-per-square-foot basis.
  • Condition and renovations — updated kitchens, baths, and systems versus original/dated finishes.
  • Floor and view — higher floors, water views, or corner units often carry a premium in the same building.

Our rent-reasonableness field program (below) collects several of these same attributes — bedrooms, bathrooms, square footage — for rental units, which is why you’ll see them again in the rent context panel. We do not compute or publish adjustment dollar values on this page; that judgment call belongs to a licensed appraiser, broker, or agent who can inspect the unit.

What it really costs

Your scenario, your math — nothing here is a quote
Monthly P&I
principal & interest
Total monthly cost
P&I + HOA + tax + insurance
5-year total
at these figures, unchanged

Hidden fees checklist — Florida condos

  • Estoppel certificate fee — capped at $250 if the unit isn’t delinquent (+$100 if you need it expedited within 3 business days; capped at $150 if the unit is delinquent) — Fla. Stat. §718.116(8).
  • Capital contribution / transfer fee — some associations charge one at closing; the estoppel certificate must disclose whether one is due and its amount — Fla. Stat. §718.116(8).
  • Special assessments — the buyer must receive the milestone inspection summary, turnover inspection report, and SIRS before signing, with a voidability window if not delivered — Fla. Stat. §718.503.
  • Milestone inspection / SIRS-driven assessments — buildings 3+ habitable stories need a milestone inspection at 30 years (every 10 years after) and a structural integrity reserve study at least every 10 years; both can trigger a special assessment — Fla. Stat. §553.899, Fla. Stat. §718.112(2)(g).
  • Flood insurance — required by most lenders in a mapped flood zone, on top of the association’s master policy; ask your lender whether it applies here.

Estimates depend entirely on the figures you enter. Not a loan offer, quote, or financial advice.

Know the risks before you buy

Natural-hazard profile — Crook County

Overall county risk: Very Low compared with other U.S. counties.

FEMA expects natural hazards to cost $9.7M per year across Crook County as a whole (buildings, people, and agriculture combined).

WildfireModerateLightningModerateWinter weatherModerateHailLowAvalancheLowCold waveLowLandslideLowEarthquakeLowInland floodingLowDroughtVery LowTornadoVery LowHeat waveVery LowIce stormVery LowStrong windVery LowVolcanic activityVery Low

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 97753

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

  • Oregon average: $419/yr for a condo unit-owner (HO-6) policy — 27% 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 Oregon average $988/yr across 22,387 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 Oregon

  • If the private market says no: Oregon FAIR Plan Association — statewide policy of last resort (basic fire/wind forms, $600K dwelling max) after two declinations.

State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Oregon Division of Financial Regulation.

Insurance market in Oregon

Insurer of last resortOregon FAIR Plan (2025) · Statewide (wildfire)
Main catastrophe perilsWildfire, Earthquake, Flood
Surplus lines tax2%
Discount for storm-hardened buildingsNot required
Declines needed before non-admitted cover0

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 West Powell Butte Estates Property Owners Association, Inc. 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 Oregon market rules
  • Where to request the official documents, with direct links

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What would living here cost per month?

Mortgage (P&I)
Property tax
HO-6 insurance (state average)$35
HOA dues (from the listing — you enter it)$600
Total per month
Household income to keep this under 28%

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 Oregon: 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.

Is West Powell Butte Estates Property Owners Association, Inc. 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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Watch this building

Public records change — SIRS filings, management changes, new disaster declarations. Leave your email and we'll watch West Powell Butte Estates Property Owners Association, Inc. for you.

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