Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Bardmoor at a glance
Local notes: Bardmoor
An unincorporated community near Seminole and Largo built around golf, with mostly 1970s single-family homes and townhomes.
In golf communities, HOA or club membership terms, fees and transfer rules can materially affect value. Get them in writing before you set a price or make an offer.
Housing stock in Bardmoor
Bardmoor has about 4,431 housing units. 77% are single-family homes and 11% are in buildings with 10 or more units. 73% of homes were built before 1980 and 4% were built in 2000 or later. The median resident is 46.6 years old.
With 73% of homes built before 1980, insurer questions about roofs, wiring (including older panels) and galvanized or cast-iron plumbing are routine.
What drives insurance prices in Bardmoor
- Home age. The median build year here is 1976. That predates the 2002 Florida Building Code, so expect underwriters to ask about roof age, wiring and plumbing.
- Roof age and shape. This is often the single biggest factor in Florida. Hip roofs and newer roofs rate better.
- Wind mitigation features. Roof straps, impact openings and secondary water barriers earn credits that insurers must offer by Florida law.
- Flood. Standard homeowners policies exclude flood. Ask for a separate flood quote, even outside high-risk zones.
Bardmoor vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Bardmoor | $334,700 | 1976 |
| Tarpon Springs | $340,700 | 1984 |
| Seminole | $348,500 | 1979 |
| South Pasadena | $350,200 | 1978 |
| Clearwater | $361,300 | 1978 |
| Gulfport | $366,200 | 1963 |
How matching works
- Tell us what you need in Bardmoor. It takes about a minute.
- We match you with one licensed insurance agent who serves Bardmoor, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
Frequently asked questions
Does homeowners insurance cover flooding in Florida?
No. Flood is a separate policy, through the NFIP or a private flood carrier.
Will I need a 4-point inspection in Bardmoor?
Likely, for older homes. The median home here was built in 1976, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.