TM123 SAMPLE ST
The three things inspectors find most in homes this age.
No GFCI shock protection at wet areas
Outlets near water are missing the modern shock-cutoff safety feature.
Windows aging or hard to operate
Original single-pane windows with worn locks, seals, or operation.
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 at ShowingWhat 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 - verify with the listing agent.
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 - verify with the listing agent.
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 at Showing - This item can't be confirmed from available records and should be checked at the showing.
| Year | Permit | Value |
|---|---|---|
| 2026 | Building - Construction PermitCompleted 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 a small flat re-roof covering 4 squares of roofing (one square is 100 square feet). The old roofing was torn off, any bad wood replaced, the roof deck re-nailed, and GAF 45 MIL TPO installed - TPO is a single-layer flat-roof membrane, a rubber-like sheet rolled out over low-slope areas. A flat-section re-roof covers only that low-slope area; the sloped roof areas on a home are a separate job and are usually left alone. Which roof area did this 2026 flat re-roof cover, and were the sloped roof areas from the 2015 work left in place?
| $7,732 |
| 2025 | Building - Over the Counter PermitCompleted Online Permit - 40-gallon gas water heater electric change out same for same What this meansThis 2025 permit was for swapping out a 40-gallon gas water heater for the same type in the same spot. A water heater swap replaces the tank itself; the parts around it, such as a drain pan under the tank and an expansion tank on the water line, are sometimes added and sometimes not. Did a drain pan and an expansion tank go in with the 2025 water heater, and where in the home does it sit?
| $2,025 |
| 2020 | Building - Over the Counter PermitCompleted 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 A/C changeout: a new 3 ton, 16 SEER condenser (the outdoor unit that sheds heat) and a new air handler (the indoor unit that moves air), with a 5KW electric heat strip. The permit says no electrical work and an equal changeout, meaning like-for-like in the same spot. A changeout like this replaces the two units; the ductwork is a separate job and is commonly left in place. Was the ductwork replaced when the 2020 system went in, and are the outdoor and indoor units the same brand and age?
| $6,500 |
| 2018 | Building - Over the Counter PermitCompleted Online Permit - Sewer Repair - Replacement - Replace existing shower pan and toilet flange What this meansThis 2018 permit was filed as a sewer repair and replacement, and the work described was replacing a shower pan (the waterproof base under a shower) and a toilet flange (the fitting that seals a toilet to the drain line below it). That is drain-side work in one bathroom; the supply lines that bring clean water in are a different set of pipes. Was any of the drain line under the floor replaced during this 2018 bathroom work, or only the fittings at the fixtures?
| $2,300 |
| 2012 | Building - Over the Counter PermitCompleted Electrical (Add Outlets/Circuits) What this meansThis 2012 permit was for adding outlets and circuits - new receptacles and new branch wiring runs back to the breaker box. It was filed in the same month as the panel change and around the same time as the kitchen work, so these read as one round of work. Adding circuits puts in new wiring only where those circuits run; the rest of the wiring in the walls is untouched. Which rooms got the new outlets and circuits added in 2012, and was any older wiring replaced along with them?
| $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.Permit Data Source
Searched the Clearwater building department for this property. Verify at the Clearwater permit website and Verify at the Pinellas County Property AppraiserBuilding Department
Records checked: 2026-09-07
Flood Zone
Schools
Evac Zone
Drinking Water
Wastewater
Water & Sewer Source
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 mapWhat 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
If You Rent It Out
- 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.