Isle of Palms
Treasure Island Homes for Sale

Intracoastal canal community · Treasure Island · Pinellas County

A single-family intracoastal canal neighborhood on Treasure Island, built for boaters who want a real home, not a rental.

Intracoastal canal docksSingle-family residentialQuick Gulf access

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Isle of Palms is a low-elevation, barrier-island canal community. The read is the elevation and flood zone, the seawall and dock, the 2024 storm-surge and FEMA 50 percent picture, the insurance quote, and the city short-term-rental rules for the specific parcel.

Free · No obligation

Unlock Off-Market Isle of Palms

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

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Median Price

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Avg DOM

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Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Isle of Palms is a single-family canal neighborhood on Treasure Island, where homes dating from the mid-1950s onward sit on intracoastal waterway lots with private docks, boat lifts, and quick access to the Gulf. The character is residential and owner-occupied, anchored by a civic association, not a wall of transient rental towers, which sets it apart from the island's tourist-dwelling zones. The buy is all about the water and the risk in both directions: elevation, flood zone, seawall and dock condition, the post-2024 FEMA 50 percent substantial-damage picture, and a real insurance quote are the central diligence items. Treasure Island also runs a change-of-occupancy short-term-rental framework where single-family RU-75 parcels are the most restricted tier, so verify the exact zoning and rental rules before you assume any nightly-rental use. Confirm HOA, flood zone, and substantial-damage status per parcel."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Isle of Palms is a single-family waterfront neighborhood in Treasure Island, a Gulf barrier-island city in Pinellas County, with the main ZIP 33706. Homes line dredged intracoastal canals with private docks and boat lifts, and most can reach the open Gulf in minutes.

Local sources describe Isle of Palms as dating to around 1956, with single-family homes built from the mid-1950s through today and a wide range of sizes and vintages. The neighborhood has its own civic association and is generally characterized by owner-occupied pride of ownership rather than the transient-rental character of the island's tourist zones.

Treasure Island regulates short-term rentals through a change-of-occupancy framework rather than a simple minimum-stay rule. Single-family RU-75 parcels are the most restricted, where more than two changes of occupancy in a year can presume a tourist dwelling, so verify the exact zoning and rental rules for the specific parcel before assuming any nightly-rental use.

The defining diligence item is coastal risk. Treasure Island took roughly a seven-foot storm surge from Hurricane Helene in 2024, followed by Hurricane Milton, triggering city-wide FEMA 50 percent substantial-damage determinations, permitting backlogs, and a wave of elevated rebuilds. Flood zone, elevation, seawall and dock condition, substantial-damage status, and insurance cost must all be verified for the specific home.

Quick Match

Who Isle of Palms is best for.

Best for

Boaters who want an intracoastal canal home with quick Gulf access from the dock
Buyers who want a residential, owner-occupied barrier-island neighborhood, not a rental block
Buyers who will rigorously read elevation, flood zone, seawall, and insurance
Buyers prepared for the FEMA 50 percent and post-2024 rebuild reality

Probably not for

Buyers who want low coastal insurance cost and minimal storm risk
Buyers seeking an unrestricted nightly vacation-rental investment in a single-family zone
Buyers who want new construction inland on higher, drier ground
Buyers unwilling to inspect and maintain a seawall and dock

Market Pulse

How Isle of Palms is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

56Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Isle of Palms listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Hudson Beach Estates or Treasure Island. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Isle of Palms buys, holds, and resells. See the five factors.

Interactive Map

Isle of Palms on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The water is at your back door: the Gulf beach is minutes away and open water a short boat run, while the Treasure Island Causeway carries you east toward St. Petersburg and on to Tampa.

Drive times from Isle of Palms. The neighborhood sits on the intracoastal side of Treasure Island, a Gulf barrier island in Pinellas County.

Treasure Island beach and waterfront~3 to 6 min · Gulf beach

Treasure Island Causeway (to mainland)~5 min · main bridge off island

St. Pete Beach and Pass-a-Grille~10 to 15 min · south on Gulf Blvd

Downtown St. Petersburg~20 to 30 min · via causeway

Tampa Int'l Airport (TPA)~45 to 60 min · via bridges and interstates

Downtown Tampa~50 to 65 min · via I-275

Drive times are approximate and vary with traffic and bridge timing. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Isle of PalmsTreasure Island Homes for Sale with Momentum Realty’s local guides.

IPIsle of Palms,Treasure Island Homes for SaleTreasure Island, FL · 0.2 mi WSWebster's Map Warren Homes for Sale in Treasure Island, FLTreasure Island, FL · 0.2 mi PIParadise IslandTreasure IslandTreasure Island, FL · 0.3 mi IPIsle of Palms Homes for Sale in Treasure Island, FLTreasure Island, FL · 0.4 mi TITreasure IslandTennis and Yacht ClubTreasure Island, FL · 0.4 mi SCSouth CausewayIsleSt. Petersburg, FL · 1.2 mi CICapri Isle Homes for Sale in Treasure Island, FLTreasure Island, FL · 1.2 mi SCSouth Causeway IsleYacht Club EstatesSt. Petersburg, FL · 1.2 mi PGPasadena GolfClub EstatesSt. Petersburg, FL · 1.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Isle of Palms (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Pinellas County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Isle of Palms is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pinellas County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Isle of Palms address.

The takeaway

What is actually shaping value in Isle of Palms and Treasure Island: the 2024 hurricane surge and recovery, the FEMA 50 percent substantial-damage rule, the city permitting and rebuild policy, and the short-term-rental framework. Each item is sourced and linked.

Recent Developments in Isle of Palms

Development Intelligence

Our read on what is being built around Isle of Palms, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishWaterfront demand and a residential, owner-occupied character support value, but the central reality is storm surge, flood exposure, the FEMA 50 percent rule, and rising insurance. Recovery policy and elevated rebuilds are reshaping the housing stock.

Hurricane Helene storm surge and recovery

2024

BearishMajor impact

SignificanceRadius: Community

A roughly seven-foot 2024 surge makes elevation, seawalls, and insurance the central risk and is reshaping the island housing stock.

FEMA 50 percent substantial-damage determinations

2024

BearishMajor impact

SignificanceRadius: Community

City-wide substantial-damage letters mean many storm-hit homes must elevate or rebuild, a defining diligence item for each parcel.

Treasure Island permitting and rebuild policy

2025

NeutralNotable impact

SignificanceRadius: Area

Permit fee waivers and refined rebuild rules support recovery but signal the scale of the 2024 damage and ongoing rebuild work.

Short-term-rental change-of-occupancy framework

Ongoing

NeutralNotable impact

SignificanceRadius: Area

Single-family RU-75 parcels are the most restricted tier, so rental-use assumptions must be verified per parcel.

Quick Gulf access drives waterfront demand

Ongoing

BullishNotable impact

SignificanceRadius: Community

Intracoastal canal homes with private docks and quick Gulf access keep boater demand steady despite the coastal risk.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Isle of Palms, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

May 2025
Recovery
Treasure Island homeowners elevate and fill after Helene
After Hurricane Helene and a period of compromise on rebuild rules, Treasure Island homeowners moved to elevate homes and use fill dirt to meet flood requirements, reshaping the look of barrier-island neighborhoods. Why it matters: Elevated rebuilds and the FEMA 50 percent rule are changing the housing stock and the flood and insurance math per home. Source
February 2025
Policy
Treasure Island acts to speed up post-hurricane rebuilds
The Treasure Island City Commission extended and expanded a temporary waiver of building permit fees for storm repairs and refined its permitting process to expedite rebuilding ahead of the next hurricane season. Why it matters: Recovery policy aids rebuilding but underscores the scale of the 2024 surge damage across the island. Source
September 2024
Storm
Hurricane Helene surge hits Treasure Island
Catastrophic storm surge of roughly seven feet from Hurricane Helene flooded Treasure Island, damaging homes across the barrier island and prompting a long cleanup and recovery. Why it matters: The event makes elevation, seawalls, flood insurance, and the FEMA 50 percent rule the central diligence items here. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Isle of Palms buying strategy.

If we were buying in Isle of Palms, this is the order of operations we would run, and the one we run for our clients.

Pull the FEMA flood zone, the elevation certificate, and any substantial-damage determination for the specific home before anything else.

Inspect the seawall, dock, and boat lift thoroughly, including condition and repair history.

Get real flood and wind insurance quotes early, since they are a major ongoing cost on this barrier island.

Verify the city short-term-rental rules and zoning for the parcel, since single-family RU-75 is the most restricted tier.

Check post-2024 repairs and elevation work to code, given the Helene surge and the FEMA 50 percent picture.

The Quick Decision

Best Buy

A solid canal home with a sound seawall, documented elevation, clean substantial-damage status, and a workable insurance quote

Biggest Risk

Storm surge, flood insurance, FEMA 50 percent, and seawall or dock cost

Best Lot

A wide, deep-water canal lot with a sound seawall and quick Gulf access

Smart Timing

Confirm flood zone, elevation, substantial-damage status, and insurance before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Isle of Palms is a single-family intracoastal canal neighborhood in Treasure Island, a Gulf barrier-island city in Pinellas County. Homes date from around the mid-1950s onward, line dredged canals with private docks and boat lifts, and offer quick access to the open Gulf. The neighborhood has its own civic association and is generally owner-occupied rather than transient-rental in character, distinct from the island's tourist-dwelling zones. The intracoastal canals, the Treasure Island beach and waterfront, and quick Gulf access are the local amenities. Coastal risk, including flood zone, elevation, the FEMA 50 percent substantial-damage picture after 2024, and insurance cost, is the defining diligence item.

Isle of Palms Homes For Sale

What your money buys in Isle of Palms.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Isle of Palms today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Fixer or Storm-Affected Canal Home

Older canal homes needing updates or post-2024 work, the value entry to Gulf access. Verify the seawall, flood history, and any substantial-damage determination.

Lowest entry

The Updated Canal Home

Renovated waterfront homes with sound seawalls and docks, the heart of the market, where water access and elevation drive price.

Most inventory

The Elevated or Deep-Water Home

Newer elevated rebuilds or wide, deep-water canal homes with quick Gulf access and strong seawalls, the premium tier with the best flood and insurance profile.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Fixer or Storm-Affected Canal Home

Older canal homes needing updates or post-2024 work, the value entry to Gulf access. Verify the seawall, flood history, and any substantial-damage determination.

The Updated Canal Home

Renovated waterfront homes with sound seawalls and docks, the heart of the market, where water access and elevation drive price.

The Elevated or Deep-Water Home

Newer elevated rebuilds or wide, deep-water canal homes with quick Gulf access and strong seawalls, the premium tier with the best flood and insurance profile.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Isle of Palms, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Isle of Palms is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Isle of Palms holds value.

Our read on the factors that protect resale here, and the one to manage.

Quick intracoastal Gulf accessStrong

Residential, owner-occupied characterPositive

Walkable to Treasure Island beachPositive

Storm surge and flood exposureHigh risk

FEMA 50 percent, seawall, and insurance costHigh risk

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Isle of Palms

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The water is the whole appeal and the whole risk. The deal is won on the elevation, the seawall, the FEMA 50 percent read, and an honest insurance quote.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.8B- · Buy Score

Resale Strength7.4/10

Renovation Risk5.0/10

Location Efficiency7.4/10

Long-Term Defensibility6.8/10

Carrying Cost Advantage6.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Isle of Palms is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

Canal width, depth, and access drive value
Seawall and dock condition is a major cost item
Elevation sets the flood, FEMA 50 percent, and insurance picture
Quick Gulf access is a premium
Verify storm and substantial-damage history

On an intracoastal canal, the water and the seawall are the parts of the buy that set both value and risk. A wide, deep-water lot with quick Gulf access and a sound seawall and dock is the prize; a narrow or shallow canal, a failing seawall, a low elevation, or an open substantial-damage determination are where cost and risk pile up. Read the water, the seawall, the elevation, and the FEMA 50 percent status before the finishes.

The 15-Second Verdict

Isle of Palms in 15 seconds.

Best forBoaters who want a residential intracoastal canal home with quick Gulf access on Treasure Island.

Biggest advantageQuick Gulf access from a private dock in an owner-occupied single-residential neighborhood, not a rental block.

Biggest riskStorm surge, flood insurance, and FEMA 50 percent on a low-elevation barrier-island lot.

Sweet spotA solid canal home with a sound seawall, clean substantial-damage status, and a workable insurance quote.

Avoid ifYou want low coastal insurance, higher ground, or an unrestricted nightly-rental investment.

HOA, CDD & Fees

15-Second Take

Civic association, no mandatory amenity HOA typical
Intracoastal canal with quick Gulf access
Seawall and dock condition is critical
Flood and wind insurance is the real cost
Verify elevation and FEMA 50 percent status

Isle of Palms is generally a single-residential neighborhood served by a civic association rather than a mandatory amenity HOA, and there is no CDD typical of older barrier-island subdivisions. Confirm per parcel with title and the property appraiser. The major recurring costs to plan for are flood and wind insurance and seawall and dock maintenance.

Where a civic association exists, it is generally social and civic in nature rather than a fee-bearing amenity HOA. Owners maintain their own homes, docks, and seawalls. Plan for flood and wind insurance based on elevation and flood zone.

No community club. The intracoastal canals, private docks, quick Gulf access, and the Treasure Island beach and waterfront are the local amenities.

Run Your Numbers

Tools for a Isle of Palms buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPinellas County millage and the homestead picture.Rent vs buyThe breakeven on owning in Isle of Palms.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Isle of Palms

Price it to the water access, the elevation, and insurability, not an inland comp.

If you are selling in Isle of Palms, the right list price reflects your canal width and depth, seawall and dock condition, Gulf access, your home's elevation, and its substantial-damage and insurance picture after 2024. Barrier-island waterfront trades on the water and the risk, not inland comps.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Isle of Palms, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Hudson Beach Estates, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Isle of Palms home worth?

Get a no-obligation home value based on real comparable sales in Isle of Palms matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Isle of Palms on the map →
Or get your Isle of Palms home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,026/mo

Pinellas County typical true cost to own

$159/mo

Pinellas County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Isle of Palms Market Scorecard

Thin data

Isle of Palms is currently a thin data. Limited supply, a median asking price of n/a.

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Months supply

n/a

Median list

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Median sold

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Per sqft

n/a

Days on mkt

0/0/0

Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Isle of Palms?

Isle of Palms is a single-family canal neighborhood in Treasure Island, a Gulf barrier-island city in Pinellas County. The main ZIP is 33706, and homes sit on intracoastal waterway canals with quick access to the Gulf.

Is Isle of Palms a vacation-rental area or a residential neighborhood?

It is generally characterized as an owner-occupied single-residential neighborhood with a civic association, not a transient-rental block. Treasure Island regulates short-term rentals through a change-of-occupancy framework, and single-family RU-75 parcels are the most restricted tier. Verify the exact zoning and rental rules per parcel.

Does Isle of Palms have Gulf access?

Yes. Homes line dredged intracoastal canals with private docks and boat lifts, and most can reach the open Gulf of Mexico in minutes by boat. Confirm canal depth, bridge clearance, and access for the specific lot.

Does Isle of Palms have an HOA?

It is generally a single-residential neighborhood served by a civic association rather than a mandatory amenity HOA, and CDDs are not typical of older barrier-island subdivisions. Confirm any dues or restrictions per parcel with title.

When were the homes built?

Local sources describe the neighborhood as dating to around 1956, with single-family homes built from the mid-1950s onward and a wide range of sizes and vintages, including newer and elevated rebuilds. Confirm the year built and any post-2024 work per home.

Is Isle of Palms in a flood zone?

Yes, almost certainly. It is a low-elevation barrier-island canal community that took roughly a seven-foot storm surge from Hurricane Helene in 2024. Expect high FEMA flood zones and verify the specific parcel's zone, elevation certificate, and flood history.

What is the FEMA 50 percent rule and why does it matter here?

After the 2024 storms, Treasure Island conducted city-wide substantial-damage determinations. If a home's storm damage exceeds 50 percent of its pre-damage value, it generally must be elevated, rebuilt, or otherwise brought up to current flood code. Verify any substantial-damage letter and cumulative-improvement status for the specific home.

What about the seawalls and docks?

Canal lots rely on concrete seawalls plus private docks and boat lifts. Inspect their condition and repair history closely, since replacement is a significant cost and storms accelerate wear.

What schools serve Isle of Palms?

Treasure Island is in the Pinellas County School District, with area schools commonly including Azalea Elementary, Madeira Beach Fundamental, and Boca Ciega High. Assignment is by address and can change, so confirm the exact zoning with the district.

How far is Isle of Palms from the beach and St. Petersburg?

The Treasure Island Gulf beach is a short drive or bike ride away, and downtown St. Petersburg is roughly twenty to thirty minutes east via the Treasure Island Causeway and local roads, depending on traffic.

How far is it from Tampa?

Tampa International Airport is roughly forty-five minutes to an hour, generally via the bridges and interstates, with downtown Tampa a bit farther. Confirm your real commute at your real departure time.

Is insurance expensive here?

Yes. Coastal wind and flood insurance are a material, ongoing cost in this low-elevation barrier-island community, and costs rose after the 2024 storms. Get real quotes for the specific home before any deadline.

Can I rent my Isle of Palms home short-term?

It depends on the parcel. Treasure Island uses a change-of-occupancy framework, and single-family RU-75 parcels are the most restricted, where more than two changes of occupancy in a year can presume a tourist dwelling. Verify the city rules and the parcel's zoning before assuming any nightly-rental use.

Should I use the listing agent to buy here?

No. The listing agent works for the seller. Because the elevation, flood zone, substantial-damage status, seawall, and insurance swing your real cost, having your own representation protects you.

Who is the best real estate agent for Isle of Palms 1st Add?

The best agent for Isle of Palms 1st Add is one who actively works Treasure Island and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Isle of Palms 1st Add.

How do I find a top Treasure Island real estate agent who knows Isle of Palms 1st Add?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Isle of Palms 1st Add and the wider Treasure Island area.

Can Momentum Realty connect me with an agent for Isle of Palms 1st Add?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Isle of Palms 1st Add purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Isle of Palms?

An honest fit check. We will tell you when it is not your community.

Boaters who want an intracoastal canal home with quick Gulf access from the dockExcellent fit

Buyers who want a residential, owner-occupied barrier-island neighborhoodExcellent fit

Buyers who will rigorously read elevation, flood zone, seawall, and insuranceExcellent fit

Buyers prepared for the FEMA 50 percent and post-2024 rebuild realityExcellent fit

Buyers who value the civic-association character over a rental blockExcellent fit

Buyers who want low coastal insurance cost and minimal storm riskProbably not

Buyers seeking an unrestricted nightly vacation-rental investment in a single-family zoneProbably not

Buyers who want new construction inland on higher, drier groundProbably not

Buyers unwilling to inspect and maintain a seawall and dockProbably not

Buyers who cannot budget for flood and wind insuranceProbably not

Get the inside read on Isle of Palms

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Isle of Palms home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Isle of Palms specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Isle of Palms — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing; deemed reliable but not guaranteed by MLS GRID.

Isle of PalmsTreasure Island Homes for Sale

The 60-Second Overview

Who Isle of Palms is best for.

Best for

Probably not for

How Isle of Palms is performing right now

Isle of Palms on the map.

How far is everything?

Nearby Communities

Schools

Pinellas County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Isle of Palms

Hurricane Helene storm surge and recovery

FEMA 50 percent substantial-damage determinations

Treasure Island permitting and rebuild policy

Short-term-rental change-of-occupancy framework

Quick Gulf access drives waterfront demand

Treasure Island homeowners elevate and fill after Helene

Treasure Island acts to speed up post-hurricane rebuilds

Hurricane Helene surge hits Treasure Island

The Isle of Palms buying strategy.

The full read, only if you want it.

What your money buys in Isle of Palms.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Isle of Palms holds value.

5 Mistakes Buyers Make in Isle of Palms

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Isle of Palms is different.

Which Lots & Views Hold Value Best

Isle of Palms in 15 seconds.

HOA, CDD & Fees

Tools for a Isle of Palms buy.

Price it to the water access, the elevation, and insurability, not an inland comp.

In Isle of Palms, condition and view decide your number

What is your Isle of Palms home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Isle of Palms Market Scorecard

Frequently Asked Questions

Should you buy in Isle of Palms?

Get the inside read on Isle of Palms

You are all set.

Need to sell fast in Pinellas County?

You just read the data. Now see what your home is worth.

Isle of Palms
Treasure Island Homes for Sale