4078 St Teresa Ave
St Teresa, FL 32346
Records estimateRecords-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.
Once a roof passes ~15 years, most Florida carriers ask for a 4-point before writing or renewing.
No credits inferred.
Nothing on record points to credit-eligible features; a wind-mitigation inspection could still find some.
Construction era on record: pre-1994.
Market stress elevated.
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.
This roof is past the ~15-year Florida insurability threshold. Expect a 4-point inspection at renewal and start planning a replacement window.
Asphalt shingles age fastest in Florida sun. Look for curling, granule loss, and lifted tabs along ridges and edges.
FEMA zone VE means flood insurance is typically required by lenders; confirm your policy is current.
This address has weathered 16 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.
No roofing permit is on county record, so the roof age is estimated at about 78 years from the year built (1948). It is labeled an estimate throughout this report.
FEMA maps this address in flood zone VE, 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 1948) or roofs past about 15 years.
The score weighs roof age against the typical service life of its material, then adjusts for storm exposure. Weak reflects a roof at or past its typical service life, where insurers scrutinize hardest. 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.
A new roof at 4078 St Teresa Ave.
A home this size (about 3,000 sq ft on record) runs roughly $12,330 to $20,730 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.
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.