What Is My Lone Palm Beach Home Worth?
Updated October 2026. In Lone Palm Beach, value starts with two questions: which town the home is in, and which side of Gulf Boulevard it sits on. Then elevation, 2024 repairs and the 50% rule separate original homes from rebuilt ones. Request a free written valuation and we will show you where your home fits.
We are John and Nicole Kavaliauskas, licensed Florida Realtors with LoKation Real Estate. For the neighborhood itself, see our Lone Palm Beach guide.
What drives home value in Lone Palm Beach
Which town
Pinellas County municipal boundary data puts most of Lone Palm Beach in the Town of Redington Beach and the southern part in the City of Madeira Beach. Of about 400 parcels, roughly 296 are in Redington Beach and 105 in Madeira Beach. Which town a lot is in decides its permit, flood and rental rules, so confirm it on the Property Appraiser record first.
Rental rules differ between the two towns, which matters to investor buyers.
Gulf side or east of Gulf Boulevard
County parcel data shows about 45 Lone Palm Beach lots on the Gulf side of Gulf Boulevard, facing the beach. Those lots have the beach and the most storm exposure. Lots east of Gulf Boulevard trade on price, lot size, elevation and any water access. We compare each home only with sales on the same side and in the same town.
Age, elevation and repairs
Elevation, flood zone and permitted repairs since 2024 drive insurance cost and buyer confidence.
The 50% rule in each town
Redington Beach. The town’s appeal options page explains that substantial damage assessments after the 2024 storms were made by a county-provided contractor, and that substantial improvement reviews by the Building Official use 50% of structure value. Owners can appeal to the Building Official, then to a Special Magistrate or in circuit court.
Madeira Beach. The city’s Substantial Damage Quick Guide applies the same 50% test, and the city posted substantial damage determination letters by address after the 2024 storms.
In 2025 the Legislature passed SB 180, now section 163.31795, Florida Statutes, which bars local governments in the National Flood Insurance Program from adopting or enforcing any cumulative substantial improvement period. Confirm current practice with the town or city before you budget a renovation.
Storm history and seller disclosure
Buyers will ask what happened to your Lone Palm Beach home in 2024 and what was done about it. Florida requires residential sellers to complete a flood disclosure at or before contract under section 689.302, Florida Statutes, covering known flood damage during your ownership, flood insurance claims and federal assistance such as FEMA aid. If the home was damaged, see selling a storm-damaged home in Pinellas.
Value factors at a glance
| Factor | Why buyers care | What to have ready |
|---|---|---|
| Town | Permit, flood and rental rules | Property Appraiser record |
| Gulf side or east side | Beach access, exposure | Survey |
| Elevation and flood zone | Flood premium and rebuild rules | Elevation certificate |
| Storm history | 50% rule exposure | Permits, invoices, final inspections |
| Insurance | Monthly cost of ownership | Declarations pages, wind mitigation |
How Team Beachside builds a valuation
We prepare each valuation by hand, not with an automated estimate.
- Sold listings in Lone Palm Beach and nearby Redington Beach and Madeira Beach streets that match your town, side of Gulf Boulevard, elevation and condition.
- Pending listings that show what buyers are committing to now.
- Active listings your buyers will compare you against.
- Expired and withdrawn listings that show which prices and conditions buyers passed on.
- Adjustments for water frontage, elevation, storm repairs and permits, renovation level, lot size and boat access.
You receive a written price range, the reasoning behind each comparable, and a list price strategy. If your home was listed before and did not sell, read why homes do not sell.
Seller checklist before you ask for a value
- Survey and elevation certificate
- Permits, invoices and final inspections for all work since 2024
- Any substantial damage letter from the town or city
- Flood and wind insurance declarations pages
- Wind mitigation and four-point inspection reports
- Seawall, dock and lift permits or inspection reports, if any
- For a condo: budget, reserve study, SIRS and milestone inspection reports, and the rental rules
Next step
Request your free Lone Palm Beach home valuation, see Redingtons home values or Madeira Beach home values, or call or text (727) 955-1222.
Other neighborhood value guides: Crystal Island, Gulf Shores, Bay Point Estates, Mitchell’s Beach, North Madeira Shores. Browse home values by town.
This page provides general information only and is not an appraisal or legal, tax, or insurance advice. Values depend on the specific property and current market conditions. Flood rules, substantial damage determinations, permitting and rental regulations change; verify with the city, Pinellas County, FEMA, your insurer or a licensed attorney. John and Nicole are licensed Florida Realtors with LoKation Real Estate.
What is my Lone Palm Beach home worth?
It depends on which town the home is in, Gulf frontage, elevation and flood zone, and storm repairs and permit status. We build a written valuation by hand from sold, pending, active and expired listings that match those factors.
Do both towns use the FEMA 50 percent rule?
Yes. Redington Beach and Madeira Beach both apply a 50% test to repairs and improvements. State law now bars cumulative lookback periods. Confirm current practice with the town or city.
Do I have to disclose hurricane flooding when I sell?
Yes. Section 689.302, Florida Statutes, requires residential sellers to disclose known flood damage, flood insurance claims and federal flood assistance at or before signing the contract.
