Palm Beach County · Free · No account needed

Every Florida house has a hidden price tag.
See it before you offer.

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 — checked in one free report, before you fall in love.

🌊 Flood zone 🏠 Insurance estimate 🏢 SIRS & milestone status 📋 HOA reserves 🔨 Roof & permits 📄 Flood claim disclosure
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Picket Risk Check 412 SW 3rd Ave, Boca Raton, FL
Your risk check

412 SW 3rd Ave, Boca Raton, FL

Here's what the public record says about this property. Estimates are modeled from county and federal data sources; your agent and insurer verify the final numbers.

📎 Shared report · run your own free check →
Checking public records…
🌊Zone X
Flood zone Free
FEMA maps this parcel outside the special flood hazard area. Flood insurance is not required by lenders here. An AE zone version of this house would cost $6K–$11K more per year to carry.
Source: FEMA National Flood Hazard Layer
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🏠Modeled
Insurance estimate
Modeled from build year, roof age, zone, and current market rates. Citizens approved 2026 decreases for most of South Florida, and homes with newer roofs often qualify for wind mitigation credits worth $800–1,400/yr.
Source: Modeled · Citizens rate filings · OIR
🔨Check records
Roof & permit history
Roof permit age is one of the biggest drivers of your insurance premium, and open or expired permits routinely stall Palm Beach County closings. Search the PBC Building Division permit records (epzb.pbcgov.org) for this address before you offer. Picket flags roof age and open permits automatically in the full report.
Source: PBC Building Division
📋Verify
HOA / condo status
If this property is in an association, request the budget, reserve study, and any SIRS or milestone inspection report before you offer. Under Florida law (SB 4-D, HB 913), condo buildings 3+ habitable stories must have these on file.
Source: DBPR filings · association documents
📄No claims found
Flood claim disclosure
Florida sellers must disclose past flood claims and federal flood assistance (HB 1049). Cross-check the seller's written disclosure at offer time.
Source: FEMA NFIP records · seller disclosure
💰Verify
Property tax
Estimated from the current assessment before homestead exemption. Filing homestead saves roughly $1,500/yr, and if you're moving within Florida, Save Our Homes portability can transfer part of your cap.
Source: PBC Property Appraiser
🔒 Five more checks ready
Insurance, roof & permits, HOA/condo, flood-claim history, and property tax for this address — all free. Tell us where to send the full report.

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What your agent receives
New intro request · 412 SW 3rd Ave, Boca Raton · Risk check attached: Zone X, ins. ~$2,900/yr, clean permits · Buyer timeline: touring this month.
What we check

Six things that decide what a Florida home really costs

Zillow shows you the price. These decide the payment. Every one of them is public record — most buyers just don't know where to look until it's too late.

🌊
Flood zone, parcel by parcel
FEMA zones change block to block. Zone AE vs Zone X on the same street is the difference between $11K/yr and $2.8K/yr in flood insurance. Florida's disclosure law only makes sellers reveal past claims, not the zone or the premium.
Zone X = no mandatory flood insurance
🏠
What insurance will actually cost
Premiums 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/yr
🏢
Condo structural reports
Since Surfside, buildings 3+ habitable stories must file structural reserve studies with funding plans. Buildings that skipped the homework are heading toward $20K–$150K per unit special assessments.
SIRS deadline passed Dec 2025 — there's a paper trail now
📋
HOA reserve health
Underfunded 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% funded
🔨
Roof age & open permits
A 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 premium
📄
Flood claim history
Sellers 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 2024
The easy button

One click, one top agent. That's the whole ask.

After your free report, if you want eyes on the house, you click once and Picket connects you with a top Palm Beach County agent who already has your report — no forms, no phone tag, no lead lists. You talk to exactly one person.

Your report → one click → your agent calls
One introduction, one agent, your report attached.
How it works

Free report now. Human help when you want it.

01
Run any address
Paste a listing address. We pull the public record: FEMA flood data, county permits, appraiser records, condo filings.
02
Get the real cost picture
Flood, insurance, tax, association health — the full carrying cost, not just the mortgage. Emailed to you as a PDF you can share.
03
Ask for an intro, or don't
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.
⚖️ Fair housing by design
Picket analyzes properties, not people or neighborhoods. We report flood risk, insurance cost, building health, and condition — never school quality, crime, or demographics. For schools and community information we'll point you to official public sources and let you decide what matters. Every home, every buyer, same data. Equal Housing Opportunity.

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