Flood zone. Insurance cost. Condo structural reports. HOA reserves. Roof and permit history. The stuff that decides what a Palm Beach home really costs to own — one free report, before you fall in love.
FEMA zones change block to block. Zone AE vs Zone X on the same street is $11K/yr vs $2.8K/yr in flood insurance. Disclosure law only makes sellers reveal past claims — not the zone.
Zone X = no mandatory flood insurancePremiums vary wildly house to house even as rates come down. Roof age, wind-mitigation credits, and flood zone move the number more than headlines do. We model it before you offer.
Same street: $2,900 vs $7,400/yrSince Surfside, buildings 3+ habitable stories must file structural reserve studies with funding plans. Buildings that skipped the homework head toward $20K–$150K per-unit special assessments.
SIRS deadline passed Dec 2025Underfunded reserves are the silent kill shot on Florida condo deals. Communities spending down reserves eventually assess the new owner — you — for the difference.
We flag reserves below 80% fundedA 15-year-old roof can make a home nearly uninsurable in Florida. Open or expired permits stall closings. Both live in county records most buyers never open.
Roof age drives your premiumSellers must disclose prior flood claims and federal flood aid under HB 1049. We cross-check the parcel against NFIP records so the disclosure has to match reality.
Required disclosure since Oct 2024Leave one box checked when you unlock your report and Picket connects you with a top Palm Beach County agent who already has it — no forms, no phone tag, no lead lists. You talk to exactly one person.
OK — connect me →Your info goes to exactly two places: the report we send you, and the licensed agent we introduce you to if you ask. Picket may earn a referral fee from the agent's brokerage when a deal closes — paid by the brokerage, never by you.
Paste a listing address. We pull the public record: FEMA flood data, county permits, appraiser records, condo filings.
Flood, insurance, tax, association health — the full carrying cost, not just the mortgage. Yours on screen instantly — print it, save it as a PDF, or share it with a link.
If you want eyes on the house, we introduce you to one licensed Palm Beach County agent with your report attached. That's the whole business model — no ads, no selling your info.
Picket analyzes properties, not people or neighborhoods. We report flood risk, insurance cost, building health, and condition — never school quality, crime, or demographics. For community information we point you to official public sources and let you decide what matters. Every home, every buyer, same data. Equal Housing Opportunity.