Every building gets a single 0 to 100 score so you can compare one condo against another at a glance. The number is never a black box. It is built from six weighted categories, each fact is traced to a public source, and you can always drill from the headline number down to the exact reason behind it.
How well the association funds its future. Reserve funding percentage, reserve study quality, budget health, delinquency rates, and the history of fee increases and special assessments.
The condition and age of the building itself. Year built, milestone inspection status, Structural Integrity Reserve Study findings, and any recorded deferred maintenance.
How the building is run and whether it is in conflict. Litigation history, management stability, and the fairness of how dues and voting rights are assigned in the declaration.
The building's insurance outlook and claims history. Wind and flood coverage, premium trend, and prior claims that signal future cost.
Exposure to the natural hazards that drive cost on the coast. FEMA flood zone, storm surge exposure, elevation, and hurricane history.
How the building performs as an asset. Rental demand and restrictions, occupancy mix, and comparable performance nearby.
The score returns the overall number, the six category sub-scores, and a ranked list of the factors that moved it, each with its raw value, its normalized sub-score, and how much weight it carried. Nothing is hidden.
Each category is computed only from the facts a building actually has, and a data completeness figure tells you how much of the methodology was backed by real records. Missing data is never invented to fill a gap, and a low completeness score is shown plainly.
The weights and normalization curves are a published, versioned methodology. Every score records the version it was computed under, so two buildings are always measured the same way and the method can improve over time without rewriting history.
Condo Anchor is live for Okaloosa Island first. Building identity, age, unit counts, and flood exposure come from county property records and FEMA maps today. Reserve studies, budgets, insurance history, and court records are being connected building by building, which is why many scores are marked partial. As each source connects, the score gets richer and the completeness figure climbs. That expansion is the whole roadmap, and you can watch it happen on each building profile.