14320 97th St Fellsmere, Fl 32948
Report summary
The roof on record.
Roof replacement permit on county record, metal. A permit-dated replacement is the most reliable roof age short of an inspection.
The insurance picture.
A qualitative read of what a carrier is likely to ask for or credit at this address, not an eligibility decision.
The home and roof are recent enough that most carriers will not order one at binding.
4 point inspection4 point inspection costNothing on record points to credit-eligible features; a wind-mitigation inspection could still find some.
Wind mitigation inspectionWind mitigation reportQualitative read of the local Citizens / private-market balance; not an eligibility decision.
Roof inspection for insuranceConstruction era on record: 1994-2001 (pre-FBC).
Where it stands.
Flood, wind, evacuation, and sinkhole exposure at this parcel, pulled from FEMA and state datasets.
What to do next.
Generated from this property's records: age against typical service life, code era, and the risk overlays.
This roof is past the ~15-year Florida insurability threshold. Expect a 4-point inspection at renewal and start planning a replacement window.
FEMA zone A 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.
This address has weathered 12 named hurricanes on record, most recently in 2024. Photograph the roof now so you have a pre-storm baseline for any future claim.
Hail up to 1.75 inches has been recorded nearby. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.
No wind-mitigation features are inferred from records. A wind-mitigation inspection may surface credits you already qualify for.
Next step: Roof inspection Florida
$8,220 to $13,820
From the 1,971 sq ft on county record. For an exact price from an aerial measurement, get the exact estimate.
Roof replacement cost FloridaNew roof cost FloridaQuestions about 14320 97th St Fellsmere, Fl 32948.
What this specific report says, and what it does not claim.
No roofing permit is on county record, so the roof age is estimated at about 27 years from the year built (1999). It is labeled an estimate throughout this report.
FEMA maps this address in flood zone A, a Special Flood Hazard Area where lenders typically require flood insurance.
Probably not at binding: the home and roof are recent enough that most Florida carriers skip the 4-point. Older homes and roofs past about 15 years are the usual triggers.
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.
Nearby in Fellsmere.
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.
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