Buyers Beware-Flooding
 

Mandatory Florida Flood Disclosure
The new Florida Flood Disclosure requires Sellers to provide a 'Flood Disclosure' to Home Buyers before a contract is signed.
Also, they must report if they have filed an insurance claim for flood damage.
It says "Flooding includes partial or complete inundation of the property.
This will give buyers crucial information prior to executing the sales contract".

Has mother nature ever caused flood in a home here?

If I recall correctly, hurricane Irma caused some flooding in the historic area.

I also recall Irma caused some flooding in the historical side of TV. It was September 11, 2017. In short, that was prior to a lot of construction in the southern Villages of TV.

On the golf courses, right?

I believe there was a recent article in a paper indicating street flooding close to some homes again in this past month in the Historic Section.

Plus at least one home.

St. Amant painfully remembers the flooding experienced seven years ago when Irma drenched The Villages. The Historic Side was particularly hard hit, and even the golf cart bridge providing passage over U.S. Hwy. 27/441 had to be closed due to flooding.

St. Amant’s home sustained $26,000 in damage in the wake of Hurricane Irma.


From the other place.

Read article yesterday some are fearing lake getting close to flooding on historical side. Change take buying at or near water level.

Nope, homes were also affected.

Regardless, if your home is within a FEMA flood map zone you will be required (if you borrowed money from a lender) to get flood insurance. If you’re interested to see the risk your home is/is not in use the link below.
FEMA Flood Map Service Center | Welcome!

For those not aware, it takes some time for the FEMA maps to update on the new areas.

The Developer builds up the home sites to be above FEMA flood levels. Typically more than 75ft above sea level here.

Golf courses, retention areas, streets and yards are designed to flood long before the homes are at risk.

Thankfully most houses at the edge of the lakes on this side of the Villages are on supports, rather than concrete slabs. So flooding risk is not too bad, all things considered. We did get flooding, down where Kim turns and changes its name to Silver Oak, there's a small retention pond on one side, and Silver Lake on the other side, and the road was completely covered with around 5 inches of water at its deepest. Drivable if you go slowly. The banks of the lake where peoples back yards are, were almost completely submerged. That was yesterday, no idea what it looks like today.

Someone living off Powell and 466A was trapped in her home for two days because it was surrounded by flooding. It was caused by a retention pond built at the new Home Depot property. I don't think the woman's house is a Villages home, but it's definitely a problem in the area.

Moutrie Creek area is in a swamp. It just is.. FEMA shows as Zone AE for most of it. Thats a 26% chance over the life of a 30-year mortgage

Last month (August 2024) was Hurricane Debby, just a heavy rainstorm by the time it hit TV.
I saw a villager showing off his rain gage filled to the top 10 inches.

Question: Did the Moultrie Creek/Middleton/Shady Brook area have and water rising close to any homes?

I am in the process of buying a home in Shady Brook. It is in an AE Zone. I assume the Developer has raised the foundation of the home above the water hazard elevation and that FEMA will update the map in a few years (I will appeal).

Thanks

Don't assume anything about what the developer did. He is interested in selling you a house not in protecting you from needing flood insurance. He follows the minimum requirements of the building codes. So if the house having a higher foundation is important, you better check that feature.

My recollection is that the water damage was due to rain through broken windows, etc. Not flooding.