Lone Palm Beach 3rd Addition is a small waterfront single-family subdivision within the Town of Redington Beach, a roughly one-square-mile barrier-island town in Pinellas County bordered by the Gulf of Mexico to the west and Boca Ciega Bay and the Intracoastal Waterway to the east (Town of Redington Beach, 2026). Redington Beach is primarily a quiet, strictly residential community of single-family homes, incorporated in the mid 1940s, with a population well under two thousand.
The homes here are barrier-island single-family, a mix of older beach-era houses and elevated rebuilds, many on or near the water with a boating orientation toward the Intracoastal side. Because the town is small and built out, this is a condition and elevation market, not a new-construction one, and the specific parcel, its finished-floor elevation, and its flood zone decide far more than the subdivision label.
The 2024 hurricane season changed the diligence here. After Helene and Milton, the town and county worked through which structures were substantially damaged, and the FEMA 50 percent rule now governs many older homes: if the cost of a repair or remodel reaches half the structure's pre-storm value, the home generally must be brought up to current flood code, including elevation to base flood elevation plus any required freeboard (Pinellas County and FEMA, 2024 to 2025). In March 2026 the town also adopted a zoning update raising the single-family height limit to 35 feet above base flood elevation, easing the math on elevated rebuilds (Town of Redington Beach, 2026).
The pitch is a quiet, strictly residential barrier-island address with Gulf and Intracoastal water close at hand. The work is the homework: read the elevation certificate, the FEMA flood zone, any substantial-damage history, the rebuild and elevation math, and a real wind and flood insurance quote before you commit. Confirm every figure per parcel.
