A/C: A 2020 permit records an A/C changeout of both the condenser and air handler. The A/C was likely replaced in full then, making it about 6 years old.
Roof: A 2015 permit records a tear-off with new shingles and a new rear flat roof. A 2026 permit records a small flat re-roof of 4 squares. The record does not say the whole roof was replaced, so its extent is unclear.
Electrical: 2012 permits record a panel change and added circuits. The permit descriptions do not identify rewiring, so how much of the electrical system was updated is unclear.
The three things inspectors find most in homes this age.
What inspectors find most in homes this age.
64%
No GFCI shock protection at wet areas
Outlets near water are missing the modern shock-cutoff safety feature.
38%
Windows aging or hard to operate
Original single-pane windows with worn locks, seals, or operation.
33%
Bathroom still original and aging
Worn fixtures and tile, with wet areas that can hide moisture.
21%Smoke detectors aged outPast their service life or expiration date, even if they still beep.
17%Electrical panel from a known-problem makerBrands later flagged as hazards: Zinsco, Federal Pacific, or split-bus designs.
12%Aluminum wiring in the wallsAn older wiring type that is a fire risk unless its connections were treated.
A/C at or past replacement ageThe system is old enough that replacement is due or coming soon.
Water heater too old or installed incorrectlyNear the end of its life, or missing safety parts like a drain pan or discharge pipe.
Homes from 1965 to 1985 were built during the years when aluminum branch wiring and electrical panels from makers such as Zinsco and Federal Pacific went into new houses. Both were later identified as hazards, and both are still in place in a share of these homes, so the panel and the branch wiring are worth identifying rather than assuming. Electrical leads the findings more broadly as well, with about two in three of these homes missing GFCI shock protection somewhere. Plumbing is rarely the issue, showing a discrepancy in fewer than one in five. The rest is ordinary aging in windows, bathrooms, smoke detectors, water heaters, and the A/C. A typical home this age turns up about 10 discrepancies.
Likely UpdatedPossibly UpdatedLikely Only a RepairPartial UpdateLikely AgingLikely OriginalVerify In PersonWhat do these mean?
Likely Updated - There is evidence this item may have been updated, but it should still be verified.
Possibly Updated - A renovation permit may have included work on this item - check with the owner or the permit file.
Likely Only a Repair - The most recent permit reads as a repair, not a full replacement - verify whether the whole system was updated.
Partial Update - A permit shows work that required a permit, but the record does not say whether the whole system was replaced - check with the owner or the permit file.
Likely Aging - The available information suggests this component may be approaching the end of its typical service life.
Likely Original - No evidence of an update was found, so this component may still be original.
Verify In Person - This item can't be confirmed from available records and should be checked in person at the home.
RoofPartial Update - 2026
Roof permit 2015. Smaller roof work was also permitted in 2026 - ask which roof area it covered.
ElectricalPartial Update - 2012
An electrical permit from 2012 shows work that needed a permit, but the record does not say whether the whole system was replaced. The last electrical permit before that, from 2012, was also not a full replacement, so some original material may remain - the home is about 59 years old.
PlumbingLikely Only a Repair - 2018
The newest plumbing permit, from 2018, covered a repair rather than a full replacement, so the plumbing itself may not be new. The last plumbing permit before that, from 2011, was also not a full replacement, so some original material may remain - the home is about 59 years old.
HVACLikely Updated - 2020
The newest A/C permit, from 2020, covered a full replacement, so the A/C is about 6 years old.
Water heaterLikely Updated
Permitted 2025 - about 1 yrs old.
22 permits on file with the Clearwater building department.
Permit status as read from the county on September 7, 2026.
Year
Permit
Value
2026
Sep
Building - Construction PermitCompleted
# BCP2026-100137
Online Permit - UNDER 300K, Small flat re-roof; Remove & dispose of existing roofing materials. Replace any bad wood. Re-nail deck to code as required. Install GAF 45 MIL TPO per FL5293-R73. 4 SQ.
What this meansThis 2026 permit was for re-roofing a small flat section of the roof, about 4 squares (one square is 100 square feet), with GAF 45 mil TPO, a single-layer plastic roofing sheet made for low-slope roofs. The old roofing was removed, and the permit called for replacing any damaged wood found and re-nailing the roof deck - the surface the covering is fastened to - to code as required. It is the newest roof work on file; the main sloped roof was last covered under the 2015 permit. A wind mitigation report is a short form an inspector fills out about how the roof is put together and tied down.
Which roof area did the 2026 flat re-roof cover, and was it the same flat section re-covered in 2015?
Was any of the roof deck replaced during the 2026 work?
Is a wind mitigation report available that reflects the 2026 flat-roof work?
$7,732
2025
May
Building - Over the Counter PermitCompleted
# BCP2025-100274
Online Permit - 40-gallon gas water heater electric change out same for same
What this meansThis 2025 permit was for changing out a 40-gallon water heater, described as same for same. The description names both gas and electric, so the record does not make clear which fuel the water heater uses.
Does the water heater installed in 2025 run on gas or electricity?
Were a drain pan and an expansion tank installed with the 2025 water heater?
$2,025
2020
Nov
Building - Over the Counter PermitCompleted
# BCP2020-100822
Online Permit - A/C Change Out - EQUAL CHANGE OUT, NO ELECTRIC, 3 TON CONDENSER AND AIR HANDLER, 16 SEER, 5KW. (Air Handler,Condenser)
What this meansThis 2020 permit was for an equal A/C changeout, replacing both the condenser (the outdoor unit that sheds heat) and the air handler (the indoor unit that blows air through the ducts), rated 16 SEER, a measure of cooling efficiency, with a 5kw heat strip for heating. No electrical work was included. The ducts are a separate job and are not mentioned.
What heating and cooling equipment is at the home now, and when was each piece installed, including anything from the 2006 condenser permit?
Are installation documents and maintenance records available for the 2020 A/C equipment?
$6,500
2018
Jun
Building - Over the Counter PermitCompleted
# BCP2018-101096
Online Permit - Sewer Repair - Replacement - Replace existing shower pan and toilet flange
What this meansThis 2018 permit was for replacing a shower pan (the waterproof base under a shower floor) and a toilet flange (the fitting that connects a toilet to its drain pipe).
Worth askingWhich bathroom was the 2018 shower pan and toilet flange work in?
$2,300
2012
Nov
Building - Over the Counter PermitCompleted
# BCP2012-01918
Electrical (Add Outlets/Circuits)
What this meansThis 2012 permit was for adding outlets and circuits. It was filed around the same time as the 2012 panel change and kitchen remodel.
Worth askingWhich rooms got the new outlets and circuits under the 2012 permit?
$2,304
Permits Since the Last Sale
19 of 22 permits on record were filed after the property last sold in 2005, likely the current owner's work.
The Florida Water Management Inventory, published by the Florida Department of Environmental Protection and the Florida Department of Health. The service words above are theirs, printed as they publish them. Verify at the FLWMI map
What you would likely pay as the new owner - not the seller's bill, which resets when the home sells.
$
Right now this uses the county's latest valuation of this home -- the 2026 market value of $440,256 published by the Pinellas County Property Appraiser, which can lag the market. Enter what you expect it to sell for -- or the asking price, if that is all you have -- to see the tax at that number.
If You Live Here
$7,691
Per year | primary home (homestead)
If You Rent It Out
$8,520
Per year | 2nd home, no homestead
Based on a 2026 market value of $440,256.
Start with the home's market value, $440,256, as published by the Pinellas County Property Appraiser.
Find this home's tax rate. It sits in tax district CW, where the 2025 certified rate is 19.3522 per $1,000 of value -- 6.2930 for schools and 13.0592 for everything else.
If you rent it out, there is no exemption. Tax the whole value:
440,256 / 1,000 x 19.3522 = $8,520
If you live here, the homestead exemption comes off first -- $25,000 off school taxes and $51,411 off everything else:
(415,256 / 1,000 x 6.2930) + (388,845 / 1,000 x 13.0592) = $7,691
What this estimate leaves out
County fees. Trash, fire, stormwater and CDD charges appear on the real tax bill but are not included here. They are flat per-parcel assessments rather than tax rates, so they cannot be worked out from the certified millage. We leave them out in every county we cover rather than make one county look cheaper than another.
Portability. If the buyer is moving from another Florida home, they may carry tax savings with them and pay less than the figure above. That depends on their current home, so we cannot calculate it here.
Extra exemptions for seniors, veterans, disability or widows.
TM