Property report · Florida

1382 Cr 441

Lake Panasoffkee, FL 33538

Permit-backed · high confidence
Roof score 10 / 10 · Strong
Roof age ~10 yrspermit
Material metal
Roof shape n/a
Last roof permit 2016
Permit # BDR2016-00275
Year built 1994
Building sqft 2,605
Flood zone Xlow-risk
Design wind 136 mph
Storm 15 hurricanes
Hail 1.75 in
Evac zone None
Sinkhole ~0.36 km
4-Point May be required
Wind-mit None inferred
Citizens Market stress low
Permit-backed roof age · re-roofed 2016durable metal coveringweathered hurricane-force winds since 2024significant hail history (1.75 in hailstones)

Records-based estimate · getroofreport.com

Roof & permits · county record

The roof on record.

Last roof permit2016
Permit numberBDR2016-00275
Roof materialmetal
Roof shapeNot on record
Age confidencePermit-backedPermit-backed

Roof replacement permit on county record, metal. A permit-dated replacement is the most reliable roof age short of an inspection.

Insurance profile · plainly

The insurance picture.

4-Point inspection

May be required at renewal.

Carriers order 4-points on older homes (this one dates to 1994) to check wiring, plumbing, and HVAC; the permit-dated roof clears its biggest line item.

Wind-mit discount

No credits inferred.

Nothing on record points to credit-eligible features; a wind-mitigation inspection could still find some.

Construction era on record: 1994-2001 (pre-FBC).

Citizens context

Market stress low.

Qualitative read of the local Citizens / private-market balance; not an eligibility decision.

Geographic risk · mapped

Where it stands.

FEMA flood zoneXoutside the high-risk flood area
Design wind speed136 mphFlorida Building Code wind map
Evacuation zoneNoneno designated evacuation zone
Sinkhole activity~0.36 kmnearest documented subsidence
Storm exposure15 named hurricanes on record, peak 64 kt, most recent 2024recent: MILTON, DEBBY, HELENE, IDALIA
Hail history1.75 inlargest hail on record; last 2012-08-10
Maintenance · rule-based

What to do next.

Generated from this property's records: age against typical service life, code era, and the risk overlays.

01

At 10+ years, schedule a professional roof inspection and keep the report; it strengthens your position at renewal time.

02

This address has weathered 15 named hurricanes on record, most recently in 2024. Photograph the roof now so you have a pre-storm baseline for any future claim.

03

Hail up to 1.75 inches has been recorded nearby. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.

04

No wind-mitigation features are inferred from records. A wind-mitigation inspection may surface credits you already qualify for.

Questions about 1382 Cr 441

County permit records show the roof was last permitted in 2016, about 10 years ago (metal). A permit-dated replacement is the most reliable roof age short of an on-site inspection.

FEMA maps this address in flood zone X, outside the high-risk Special Flood Hazard Area.

Likely at some point. Florida carriers commonly order a 4-point on older homes (this one dates to 1994) 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.

Roof cost · estimated

A new roof at 1382 Cr 441.

A home this size (about 2,500 sq ft on record) runs roughly $10,280 to $17,280 installed for architectural shingle in Florida. See the full breakdown →

Estimated from the building size on record; the exact figure depends on your roof area, pitch, and stories.

Methodology

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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