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16328 Front Beach Rd, Panama City Beach, FL 32407 · Bay County, Florida
Records checked against state databases: October 12, 2026 · auto-refreshed weeklyAs of October 12, 2026, no Structural Integrity Reserve Study submission matching this building's name and county was found in DBPR's public SIRS reporting databases. This does not necessarily mean the association is non-compliant: SIRS is required only for buildings three stories or higher, filings may be listed under a different name, and new submissions appear daily. Check the official database or ask the association directly.
| Official condominium name | SUMMER TOWNE COTTAGES, A CONDO |
| DBPR project number | PR1P025761 |
| Declared units | 20 |
| First recorded | 06/12/2001 |
| Registration status | Approved Recorded |
| Managing entity | SUMMER TOWNE OWNERS ASSOC., INC. |
As of October 12, 2026, we found no SIRS filing matching Summer Towne Cottages in the Florida DBPR's public SIRS reporting database. That alone doesn't mean the association is out of compliance: a SIRS is required only for buildings three habitable stories or higher, and filings can be listed under a different name. Ask the association for its most recent SIRS; in a resale, the seller must provide it or a statement that none was completed.
FEMA's flood map places Summer Towne Cottages in zone X, an area of minimal flood hazard. The zone is matched to the building's mapped location; an elevation certificate or FEMA's Flood Map Service Center can confirm it for a specific unit.
The Florida condominium registry lists 20 declared units for Summer Towne Cottages, first recorded on 06/12/2001.
Florida requires a milestone inspection of condominium buildings three habitable stories or more by December 31 of the year a building turns 30 (25 where the local building department requires it), then every 10 years. The condominium declaration for Summer Towne Cottages was first recorded in 2001, so if its buildings are three or more stories they will reach the 30-year mark around 2031. The building itself can be older, for example after an apartment conversion. The association must give owners the inspector's summary, and a seller must give it to a buyer.
The Florida DBPR registry lists Summer Towne Owners Assoc., Inc. as the managing entity.
Everything this page can't show you, in one PDF: five years of the association's state fee payments and whether the state lists it as delinquent, a plain-English bottom line with green flags and open questions, exactly who holds this building's milestone inspection records plus a ready-to-send records-request letter, and what it all means for a purchase, listing, or loan file — with a due-diligence checklist.
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Guides: What is a SIRS? · Milestone inspections · Special assessments · Buying a condo in Florida