403 Harbor Dr N
Indian Rocks Beach, FL 33785
Permit-backed · high confidenceRecords-based estimate · getroofreport.com
The roof on record.
Roof replacement permit on county record, shingle. A permit-dated replacement is the most reliable roof age short of an inspection.
The insurance picture.
May be required at renewal.
Carriers order 4-points on older homes (this one dates to 1970) to check wiring, plumbing, and HVAC; the permit-dated roof clears its biggest line item.
Features may qualify.
Code-era construction features here often map to wind-mitigation credits on a signed inspection form.
Market stress moderate.
Qualitative read of the local Citizens / private-market balance; not an eligibility decision.
Where it stands.
What to do next.
Generated from this property's records: age against typical service life, code era, and the risk overlays.
The roof is within its early service life. Annual visual checks after storm season are enough for now.
FEMA zone AE means flood insurance is typically required by lenders; confirm your policy is current.
In a high wind-speed zone, documented wind-mitigation features (roof-to-wall straps, secondary water barrier) can materially improve insurability.
County permit records show the roof was last permitted in 2025, about a year ago (shingle). A permit-dated replacement is the most reliable roof age short of an on-site inspection.
FEMA maps this address in flood zone AE, a Special Flood Hazard Area where lenders typically require flood insurance.
Likely at some point. Florida carriers commonly order a 4-point on older homes (this one dates to 1970) or roofs past about 15 years; the permit-dated roof here clears its biggest line item.
The score weighs roof age against the typical service life of its material, then adjusts for storm exposure. Strong reflects a newer or durable roof with room to spare. Only permit-backed roof ages count as high-confidence.
No. It is a records-based assessment from public data: county permits, assessor records, FEMA flood maps, and wind-zone data. Use it as a starting point, not a substitute for a licensed inspection.
Planning roof work at 403 Harbor Dr N?
Get a quote from a verified Florida contractor, matched to your county and roof type.
How this report is built.
This report is a records-based estimate assembled from county permits, assessor data, FEMA flood maps, and wind-zone datasets. The roof score weighs age, material, and storm exposure; only permit-backed roof ages are high-confidence. It is not an inspection, appraisal, or insurance quote.