Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Treasure Island at a glance
Local notes: Treasure Island
A barrier-island beach town between St. Pete Beach and John's Pass, with canal-front homes, low-rise condos and vacation rentals.
Hurricane Helene's 2024 storm surge flooded many homes on Pinellas barrier islands. Under the National Flood Insurance Program's substantial-damage rule (the "50% rule"), a heavily damaged or heavily renovated older home may have to be elevated or brought up to current flood code. That affects price, insurability and renovation plans, so ask for permits, damage determinations and an elevation certificate.
Condos are a big part of the Treasure Island 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 Treasure Island
Treasure Island has about 6,192 housing units. 44% are single-family homes and 34% are in buildings with 10 or more units, and 1% are mobile or manufactured homes. 75% of homes were built before 1980 and 6% were built in 2000 or later. The median resident is 62.7 years old. About 29% 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.
With 75% of homes built before 1980, insurer questions about roofs, wiring (including older panels) and galvanized or cast-iron plumbing are routine.
Which inspections Treasure Island buyers usually order
| Inspection | What it's for | Relevant here? |
|---|---|---|
| Full home inspection | Your own due diligence on the whole house | Always |
| 4-point | Insurer review of roof, electrical, plumbing, HVAC | Very likely (median home built 1970) |
| Wind mitigation (OIR-B1-1802) | Documents features that earn windstorm discounts | Recommended |
| WDO / termite | Wood-destroying organisms. Often required by lenders | Common |
| Sewer scope | Camera check of the drain line | Worth it. Older cast-iron and clay lines are common in homes from this era |
Florida home inspectors must hold a license from the Department of Business and Professional Regulation (DBPR). You can verify any license at myfloridalicense.com.
Treasure Island vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Treasure Island | $621,600 | 1970 |
| St. Pete Beach | $675,700 | 1971 |
| East Lake | $488,000 | 1990 |
| Safety Harbor | $454,000 | 1984 |
| Palm Harbor | $405,300 | 1985 |
| Dunedin | $396,000 | 1976 |
What happens after you ask
We read your request, then introduce you to a single licensed home inspector who works in Treasure Island. They reach out directly, typically the same business day. You decide whether to work with them, and there's no cost or commitment from you.
Frequently asked questions
Are home inspectors licensed in Florida?
Yes. Home inspectors are licensed by the Florida DBPR under Chapter 468, Part XV, Florida Statutes.
Can one inspector do the 4-point and wind mitigation?
Usually, yes. Many licensed inspectors bundle the full inspection, 4-point and wind mitigation report in one visit.