Island Home Remodeling in Treasure Island, FL
Renovating on Treasure Island means planning around flooding and wind from the very beginning. The entire city is within a Special Flood Hazard Area, and it's also all classified as a wind-borne debris region, with design wind speeds of around 150 miles an hour. Many of the homes on Isle of Palms, Isle of Capri and the rest of the island were built on dredged fill during the 1950s, which explains why so many sit close to the ground. Before 2025, the city prohibited adding fill. That changed on May 1, 2025, when the Terrain Modification program took effect. Property owners can now voluntarily add fill to raise low floors or seawalls, provided they submit a sealed drainage plan showing that runoff won't be directed onto neighboring properties. For homeowners with low-lying houses, that's worth looking at before deciding how extensive a rebuild should be.
Renovation and Construction Services in Treasure Island, FL
Our Work on and Near Treasure Island
We have five Treasure Island homes listed on our project map. Just a few miles farther up the beach, in North Redington Beach, we have a detailed write-up of another coastal project where we restored a home after Category 3 floodwater and reworked its kitchen. It's a good example of the type of flood-exposed, low-lying home that's common along Treasure Island's canals.
Why Choose Built With Love in Treasure Island, FL
Licensed and Insured Florida Contractors: Built With Love is fully licensed and insured: Plumbing (CFC1431813), Mechanical (CAC1821934), Building (CBC1262892), and Roofing (CCC1334232).
Our Work on and Near Treasure Island: See the Flood Restoration & Kitchen Expansion with Luxury Finishes project. Learn more about Treasure Island, FL.
Licensed Team for Larger Projects: For larger projects, or when you'd rather not manage it yourself, our licensed team handles the work and permits.
Benefits of Professional Renovations, Roofing, and Construction
One Team From Permit to Final Inspection
We handle the permit process for your Treasure Island project, whichever agency issues it, along with inspections and construction under one contract, so you aren't coordinating separate designers, permit runners, and trades.
Flood-Smart Renovations
For Treasure Island homes in flood zones, we plan the scope and document costs with substantial-improvement rules in mind, and use resilient details like raised outlets and moisture-tolerant materials where they make sense.
Licensed Trades In-House
Building, roofing, plumbing, and HVAC licenses under one company mean fewer subcontractor handoffs and clear accountability for every phase of your Treasure Island project.
Serving Treasure Island and Nearby Communities
Built With Love proudly serves homeowners in Treasure Island and surrounding communities, including Madeira Beach, St. Pete Beach, Redington Beach, South Pasadena, and Indian Shores.
Licensed and insured contractors in Florida
We deliver reliable construction, renovation, and restoration services backed by years of experience and a commitment to quality.
Certified Building Contractor
CBC1262892
Certified Roofing Contractor
CCC1334232
Mechanical - Heating and Air
CAC1821934
Certified Plumbing Contractor
CFC1431813
Mold Assessment
MRSA5411
Mold Remediation
MRSR5437
Frequently Asked Questions
Can I raise my Treasure Island property with fill?
Yes. Treasure Island's Terrain Modification Manual, which took effect May 1, 2025, allows owners to voluntarily bring in fill to raise low floors or seawalls. You'll need a sealed drainage plan as part of the process. It's not mandatory, and property owners have ten years before any requirement to add fill could take effect.
Can I pull my own permit as an owner-builder?
Yes, if you personally own a one- or two-family residence, Florida's owner-builder exemption lets you obtain the permit yourself. The exemption doesn't cover condominiums or properties held by an LLC. For commercial projects, the permit valuation can't exceed $75,000.
How does the 50% rule work for a condo unit?
Treasure Island processes condo permits under its commercial requirements. To calculate the 50% threshold for an individual condo, you'll need an appraisal of that specific unit. The condo association also has to determine what portion of any building-wide repair costs belongs to the unit.
What do the wind rules mean for windows and doors?
Since all of Treasure Island falls in a wind-borne debris region, replacement or new exterior doors and windows have to be impact-rated or protected by approved shutters. They also need to be rated for the wind loads associated with exposure D.