Seawall planning for HOAs and community associations
Get a clear plan for your community’s seawall, from the first concern to board decisions and repairs.
Start with ownership and approvals.
Check the association documents and property records to see which walls the association owns and which belong to individual owners. Identify who can arrange an assessment, approve access and authorize work.
Give the board a clear project checklist.
- A map or list showing the wall sections, their approximate lengths and the properties involved.
- Dated photos and reports, with urgent problems listed first.
- Questions for the engineer about repair priorities and whether the work can be done in stages.
- A budget covering known prices, engineering, permits, equipment access, cleanup and costs still to be checked.
- Board decision dates, owner updates and arrangements for shared access or connecting walls.
Work out what can be coordinated.
Nearby projects may share equipment setup or deliveries. A professional can check whether the walls could be assessed together and repaired in stages. Agree which work and costs belong to each owner or the association.
Explore nearby owner interest.
Use the neighbor-group invitation to see which nearby owners want to coordinate planning. Each owner decides on their own work.
Common questions
Can the board request help before approving construction?
Yes. Start with the concern, available records and the board’s questions. Use this guide to plan what needs to happen before a construction decision.
Can common and private walls be assessed together?
They may be assessed together if the owners agree. Identify which walls the association owns and get the individual owners’ permission for private walls.
Will all owners receive the same per-foot price?
Prices can differ because wall materials, condition, height, access and permit needs vary. Ask for a clear price for each property.
Can a project be phased over several budgets?
Ask the engineer whether the work can be safely split into stages. Include temporary wall ends, equipment access and future connections in the plan.
What should be presented to the board?
Bring the findings, recommended priorities, repair options and a budget showing what is included and what still needs a price. Explain why urgent work should come first.
What if one wall appears unstable?
Keep people away and seek prompt professional help. An unstable wall needs attention before a routine group project.
Confirm who owns each wall segment
Before budgeting, map which segments are common area and which belong to lots, using plats and the Property Appraiser’s parcel data with a survey. Flood policies exclude seawalls, so reserves, not insurance, usually fund replacement.
Duval County Property Appraiser · SFIP Dwelling Form (44 CFR Part 61, Appendix A(1)): Property Not Insured
Give the board comparable options
Ask for repair and replacement scopes on the same segments, with permit routes. Atlantic Beach and St. Johns County buffers, aquatic preserves or the Timucuan Preserve can change what is allowed, so confirm the route before a vote.
Atlantic Beach Chapter 24 Land Development Regulations (adopted 07/08/2019), s. 24-271 · St. Johns County Land Development Code, Sec. 4.01.06 · Rule 18-20.004, F.A.C. – Aquatic Preserve Management Policies, Standards and Criteria
Show sourcesHide sources
- Duval County Property AppraiserSource reviewed 2026-10-24
- SFIP Dwelling Form (44 CFR Part 61, Appendix A(1)): Property Not InsuredSource reviewed 2026-10-24
- Atlantic Beach Chapter 24 Land Development Regulations (adopted 07/08/2019), s. 24-271Source reviewed 2026-10-24
- St. Johns County Land Development Code, Sec. 4.01.06Source reviewed 2026-10-24
- Rule 18-20.004, F.A.C. – Aquatic Preserve Management Policies, Standards and CriteriaSource reviewed 2026-10-24
Discuss an association project
Record the affected shoreline and the decision you need to make. Use the notes when discussing scope with the appropriate professional.