Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
South Pasadena at a glance
Local notes: South Pasadena
A small city near the beaches where condos, including many 55+ buildings, make up a large share of homes.
Condos are a big part of the South Pasadena market. Florida's post-Surfside condo safety laws require milestone structural inspections and fully funded structural reserves for many buildings. Review the association's reserve study, milestone reports and any special assessments before you buy or list.
Housing stock in South Pasadena
South Pasadena has about 4,998 housing units. 7% are single-family homes and 80% are in buildings with 10 or more units, and 8% are mobile or manufactured homes. 55% of homes were built before 1980 and 3% were built in 2000 or later. The median resident is 70 years old. About 18% of all housing units are held for seasonal, recreational or occasional use, one of the highest shares in Pinellas. Expect second-home owners, snowbirds and vacation-rental investors in the buyer pool.
Condo owners need an HO-6 policy. Read the master policy to see what the association covers and what falls on you.
What drives insurance prices in South Pasadena
- Home age. The median build year here is 1978. 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. Coastal and low-lying parts of South Pasadena make a separate flood quote essential.
South Pasadena vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| South Pasadena | $350,200 | 1978 |
| Seminole | $348,500 | 1979 |
| Tarpon Springs | $340,700 | 1984 |
| Clearwater | $361,300 | 1978 |
| Bardmoor | $334,700 | 1976 |
| Gulfport | $366,200 | 1963 |
How matching works
- Tell us what you need in South Pasadena. It takes about a minute.
- We match you with one licensed insurance agent who serves South Pasadena, 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 South Pasadena?
Likely, for older homes. The median home here was built in 1978, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.