Licensed and insured Florida contractorsKitchen, flood and tax rules checked first
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Clearwater, FL

Arranging a First-Floor Suite in Clearwater

We arrange ground-floor suites in Clearwater, and the flood test that decides their size is explained on the first-floor suite service page.

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62The age at least one parent or grandparent must have reached for the living quarters reduction in Florida Statute 193.703
50%Of a structure's market value, the cost at which 44 CFR 59.1 makes an addition a substantial improvement
16 townsCovered across Hillsborough, Pinellas and Pasco counties, each with its own local rules set out on its page
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First-Floor Suites quote in Clearwater

Who the space is for, whether it needs a kitchen, and the address. With those three answers we can say which city or county rules govern the lot before a contractor draws anything.

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$100 off your first job

Credited by us on your first booked job.

  • One credit per customer per property, on your first booked job.
  • Valid through December 31, 2026.
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Mention this offer when you book. Full terms.

Five short questions about who the space is for and what it needs to hold, then where to reach you. Most people finish in about a minute.

Question 1What are you thinking of building?

Pick the closest. If you are not sure yet, that is exactly what we help sort out.

Question 2Who will live in it?

This matters more than it sounds. In Florida the answer can change the property tax on what you build.

Question 3Does the new space need its own kitchen?

In Florida law a space with its own kitchen, bathroom and bedroom is a second dwelling, and each city and county decides whether one is allowed on your lot.

Question 4Is the house in a flood zone?

In a flood zone, a large enough addition can mean the whole house has to meet today's flood rules. Your insurance declarations page or the county flood map will say.

Question 5When does the space need to be ready?
About you, and the house the space would join

Who should we ask for?

How can we reach you?

We call to confirm the details before anyone is sent out.

Where is the property?

The contractor match is by property, not by person, so the street line matters.

Anything else we should know?

Your $100 credit is attached to this request. Mention this offer when you book. See terms.

Your details are used only to respond to this request and arrange the service.

Local Detail

Clearwater's flood claims and the parcel FEMA letter

A quiet Tampa Bay street of single-story ranch houses near a canal

The Pinellas County Property Appraiser publishes a FEMA/WLM letter for each parcel, reached from the Quick Pick Tool box on the parcel page, showing the structure value used for 50 percent or 49 percent determinations.

Source: Pinellas County Property Appraiser, accessed 2026-09-23

OpenFEMA's redacted NFIP claims data (as of September 2026) records, by NFIP community, with records beginning in 1978: St. Petersburg 16,189 claims (8,670 in 2024, $1,266.6 million paid in total); Clearwater 2,951 claims (1,472 in 2024, $231.5 million paid in total); Dunedin 1,601 claims (791 in 2024, $123.0 million paid in total); Tarpon Springs 1,415 claims (717 in 2024, $56.3 million paid in total); Largo 781 claims (497 in 2024, $78.6 million paid in total); Pinellas Park 895 claims (228 in 2024, $15.9 million paid in total); Oldsmar 776 claims (454 in 2024, $40.5 million paid in total); Seminole 223 claims (180 in 2024, $13.9 million paid in total); Safety Harbor 147 claims (61 in 2024, $5.2 million paid in total).

Source: Federal Emergency Management Agency (OpenFEMA), accessed 2026-09-23

Local Context

Why the Clearwater first-floor page is brief

This page is kept brief deliberately. Clearwater's own code speaks to accessory dwelling units, not to a bedroom and bath added for someone who owns the house, so a ground-floor suite here turns on the general flood test. The Property Appraiser's FEMA/WLM letter for the parcel shows the structure value it is measured against. We still arrange the work with a vetted Florida-licensed contractor.

Floor plan drawings for a small home addition beside a tape measure
Licensed and insured Florida contractorsVetted local contractors licensed by the State of Florida and insured for the work, who price and contract it themselves
The three rules checked for your addressThe kitchen, the flood line and the county tax rule looked at before any contractor is asked for a number
Told when an addition is not the answerIf a first-floor room or a bathroom change inside the house would do, you hear that before anyone draws a suite
Deciding

One check before a Clearwater ground-floor addition

Open the parcel page on the Pinellas County Property Appraiser site and find the FEMA/WLM letter under the Quick Pick Tool box. That structure value is the figure a ground-floor suite is measured against.

How first-floor suites works →

Next Step

Planning a downstairs suite in Clearwater?

Send the address and who the suite is for, and we will tell you what the flood letter means for it.

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Related

Clearwater suites and cottages with their own page

Questions

A Clearwater first-floor suite question

Where do I find the value a Clearwater addition is measured against?

On the Pinellas County Property Appraiser's parcel page, from the Quick Pick Tool box, as a FEMA/WLM letter showing the structure value used for 50 percent determinations.

Next Step

Tell us about the Clearwater house

A person reads each request, and sending one does not tie you to anything.

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