2216 N 45th St
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.
Carriers order 4-points on older homes (this one dates to 1954) to check wiring, plumbing, and HVAC; the permit-dated roof clears its biggest line item.
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: pre-1994.
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.
The roof is within its early service life. Annual visual checks after storm season are enough for now.
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 2.75 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
$4,110 to $6,910
From the 850 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 2216 N 45th St.
What this specific report says, and what it does not claim.
County permit records show the roof was last permitted in 2023, about 3 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 1954) 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.
Nearby in Saint Lucie County.
Browse: 34946 · Saint Lucie County · Florida
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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