TREASURE ISLAND, Fla. - As Monica Pepe stood in front of her condo in the La Costa Brava complex in Treasure Island , she got emotional.

"I can usually talk about this," Pepe said.

Perhaps the gravity of the past year, though, and the anniversary of the reason why it has been so heavy are truly weighing on Pepe.

"Couch surfing, staying with friends, family members, finding some place to live, the expense of assessments," she said. "We're still paying mortgage assessments, special assessments. I now have another place to live, but I'm paying assessments on that place, paying for storage."

The backstory:

Several residents haven’t moved back into the complex. No one is back in the first floor units, not since Hurricane Helene . At least two feet of water flooded most of the complex

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