Civic Intelligence

Lemon Bluff Water Association Inc

EIN 59-1092287 • 501(c)12 • Osteen, FL

Profile

The Association provides not-for-profit water services to homeowners within a local radius.

1062 Seminole RoadOsteen, FL 32764

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.41x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)12 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

91st percentile

1.52x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)12 • <$500k nonprofits • Source year 2025

Net Margin

16th percentile

-31%

Higher net margin than 16% of similar nonprofits.

501(c)12 • <$500k nonprofits • Source year 2025

Top Officer Pay

88th percentile

$5,250

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

501(c)12 • <$500k nonprofits • Source year 2025

Asset Growth

25th percentile

-11%

Faster asset growth than 25% of similar nonprofits.

501(c)12 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

18th percentile

-16%

Faster revenue growth than 18% of similar nonprofits.

501(c)12 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$157,128

Down $19,124 (-11%) from 2024

Liabilities

Down

$64,169

Down $7,742 (-11%) from 2024

Net Assets

$92,959

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue91st percentileNet Margin16th percentile

Revenue

Down

$42,136

Down $7,976 (-16%) from 2024

Expenses

Up

$55,380

Up $2,848 (+5.4%) from 2024

Net Income

Down

-$13,244

Down $10,824 (-447%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0Assets 2012: $118,375Liabilities 2012: $106,2502012Assets 2013: $105,005Liabilities 2013: $97,7862013Assets 2014: $96,689Liabilities 2014: $88,8202014Assets 2015: $94,191Liabilities 2015: $79,6122015Assets 2016: $91,502Liabilities 2016: $70,0182016Assets 2017: $90,442Liabilities 2017: $65,660Net Assets 2017: $24,7822017Assets 2018: $137,800Liabilities 2018: $62,275Net Assets 2018: $75,5252018Assets 2019: $213,590Liabilities 2019: $58,783Net Assets 2019: $154,8072019Assets 2020: $196,859Liabilities 2020: $51,881Net Assets 2020: $144,9782020Assets 2021: $198,700Liabilities 2021: $52,532Net Assets 2021: $146,1682021Assets 2022: $199,179Liabilities 2022: $49,309Net Assets 2022: $149,8702022Assets 2023: $184,613Liabilities 2023: $47,264Net Assets 2023: $137,3492023Assets 2024: $176,252Liabilities 2024: $71,9112024Assets 2025: $157,128Liabilities 2025: $64,169Net Assets 2025: $92,9592025

Highlighted filing

2025

Assets$157,128
Liabilities$64,169
Net Assets$92,959
Open 2025 Filing

Operations Trend

Revenue Growth18th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KRevenue 2012: $40,063Expenses 2012: $36,674Net Income 2012: $3,3892012Revenue 2013: $38,653Expenses 2013: $43,559Net Income 2013: -$4,9062013Revenue 2014: $35,685Expenses 2014: $35,035Net Income 2014: $6502014Revenue 2015: $43,064Expenses 2015: $36,354Net Income 2015: $6,7102015Revenue 2016: $45,054Expenses 2016: $38,149Net Income 2016: $6,9052016Revenue 2017: $44,390Expenses 2017: $41,092Net Income 2017: $3,2982017Revenue 2018: $96,965Expenses 2018: $46,222Net Income 2018: $50,7432018Revenue 2019: $128,788Expenses 2019: $49,506Net Income 2019: $79,2822019Revenue 2020: $40,512Expenses 2020: $50,341Net Income 2020: -$9,8292020Revenue 2021: $56,685Expenses 2021: $55,495Net Income 2021: $1,1902021Revenue 2022: $57,081Expenses 2022: $53,379Net Income 2022: $3,7022022Revenue 2023: $49,222Expenses 2023: $61,743Net Income 2023: -$12,5212023Revenue 2024: $50,112Expenses 2024: $52,532Net Income 2024: -$2,4202024Revenue 2025: $42,136Expenses 2025: $55,380Net Income 2025: -$13,2442025

Highlighted filing

2025

Revenue$42,136
Expenses$55,380
Net Income-$13,244
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$157,128
Liabilities
$64,169
Net assets
$92,959
Revenue
$42,136
Expenses
$55,380
Net income
-$13,244
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.57$0.64$0.93$0.42$0.55$0.13
2024Summary only. Only limited summary data is available for this year.$1.76$0.72$0.50$0.53$0.02
2023Detailed filing. Detailed filing data is available for this year.$1.85$0.47$1.37$0.49$0.62$0.13
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.99$0.49$1.50$0.57$0.53$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.99$0.53$1.46$0.57$0.55$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.97$0.52$1.45$0.41$0.50$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.14$0.59$1.55$1.29$0.50$0.79
2018Detailed filing. Detailed filing data is available for this year.$1.38$0.62$0.76$0.97$0.46$0.51
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.66$0.25$0.44$0.41$0.03
2016Summary only. Only limited summary data is available for this year.$0.92$0.70$0.45$0.38$0.07
2015Summary only. Only limited summary data is available for this year.$0.94$0.80$0.43$0.36$0.07
2014Summary only. Only limited summary data is available for this year.$0.97$0.89$0.36$0.35$0.01
2013Summary only. Only limited summary data is available for this year.$1.05$0.98$0.39$0.44$0.05
2012Summary only. Only limited summary data is available for this year.$1.18$1.06$0.40$0.37$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Aug 18, 2025
Return Version
2024v5.2
Gross Receipts
$42,136
Mission and Program Overview

Mission

The Association provides not-for-profit water services to homeowners within a local radius.

Program Services

DescriptionGrantsExpenses
Water services provided within the community--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CYNTHIA GOULDSecretary/Treas-$5,250-$5,250
SCOTT GREENPresident-$0--
TERRIE CHRISTOPHERDirector-$0--
BILL CHENETVice President-$0--
SEAN GOULDDirector-$0--
JEFF ROTERTVice President-$0--
PATRICIA DUNNDirector-$0--
AMY WILKSDirector-$0--
BRENDA ANDERSONDirector-$0--
Filing and Contact Details

Filer

Filer Name
Lemon Bluff Water Association Inc
EIN
59-1092287
Phone
4074163864
Address
1062 SEMINOLE ROAD, OSTEEN, FL 32764

Signing Officer

Name
Cynthia Gould
Title
Secretary/treas
Signed
2025-08-18
Discuss with paid preparer
Yes

Preparer

Firm
Hartsock & Mann LLC
Address
P O Box 1449, Sanford, FL 32772
Preparer
Richard H Mann CPA
Phone
4073224854
Supplemental Narrative

Additional Explanations

Other Expenses.1002

“Office Expenses $525”

Other Expenses.1008

“Interest $1406”

Other Expenses.1009

“Depreciation $6725”

Other Expenses.1012

“Insurance $839”

Other Expenses.1

“OTHER REPAIRS $1516”

Other Expenses.2

“TAXES AND LICENSES $1280”

Other Expenses.3

“AUTOMOTIVE EXPENSE $1015”

Other Expenses.4

“MISCELLANEOUS $478”

Other Expenses.6

“BANK CHARGES $271”

Other Expenses.7

“Dues and subscriptions $170”

Other Assets.1004

“Miscellaneous - Beginning $102944 Miscellaneous - Ending $96219”

Other Assets.1005

“Accounts Receivable - Beginning $7041 Accounts Receivable - Ending $0”

Total Liabilities.1001

“Accounts Payable and Accrued Expenses - Beginning $415 Accounts Payable and Accrued Expenses - Ending $617”

Total Liabilities.1

“NOTES PAYABLE - Beginning $71496 NOTES PAYABLE - Ending $63552”

Raw XML Appendix157 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0CYNTHIA GOULD
IRS990EZ/BooksInCareOfDetail/PhoneNum04073215285
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01062 SEMINOLE ROAD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0OSTEEN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd032764
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt066267
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt060909
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-13244
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt015185
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0176252
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0157128
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt042136
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt061
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0104341
IRS990EZ/NetAssetsOrFundBalancesEOYAmt092959
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0104341
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt092959
IRS990EZ/OccupancyRentUtltsAndMaintAmt019950
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt60.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt80.50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt25250
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0SCOTT GREEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1TERRIE CHRISTOPHER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CYNTHIA GOULD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3BILL CHENET
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4SEAN GOULD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5JEFF ROTERT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6PATRICIA DUNN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7AMY WILKS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8BRENDA ANDERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary/Treas
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0109985
IRS990EZ/OtherAssetsTotalDetail/EOYAmt096219
IRS990EZ/OtherChangesInNetAssetsAmt01862
IRS990EZ/OtherExpensesTotalAmt014225
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0The Association provides not-for-profit water services to homeowners within a local radius.
IRS990EZ/PrintingPublicationsPostageAmt0370
IRS990EZ/ProgramServiceRevenueAmt042075
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Water services provided within the community
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt05650
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt071911
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt064169
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt055380
IRS990EZ/TotalRevenueAmt042136
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Office Expenses $525
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Interest $1406
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Depreciation $6725
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Insurance $839
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OTHER REPAIRS $1516
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TAXES AND LICENSES $1280
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AUTOMOTIVE EXPENSE $1015
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISCELLANEOUS $478
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BANK CHARGES $271
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUES AND SUBSCRIPTIONS $170
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Miscellaneous - Beginning $102944 Miscellaneous - Ending $96219
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Accounts Receivable - Beginning $7041 Accounts Receivable - Ending $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Accounts Payable and Accrued Expenses - Beginning $415 Accounts Payable and Accrued Expenses - Ending $617
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13NOTES PAYABLE - Beginning $71496 NOTES PAYABLE - Ending $63552
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1008
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1009
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.1012
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Other Assets.1004
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Other Assets.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Total Liabilities.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Total Liabilities.1
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA GOULD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY/TREAS
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LEMON BLUFF WATER ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0LEMO
ReturnHeader/Filer/EIN0591092287
ReturnHeader/Filer/PhoneNum04074163864
ReturnHeader/Filer/USAddress/AddressLine1Txt01062 SEMINOLE ROAD
ReturnHeader/Filer/USAddress/CityNm0OSTEEN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032764
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0593686677
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HARTSOCK & MANN LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 1449
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Sanford
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032772
ReturnHeader/PreparerPersonGrp/PhoneNum04073224854
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard H Mann CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-08-18T09:39:50-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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