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Sample report

2970 N Dale Mabry Hwy, Tampa, FL 33607, USA

Scored August 26, 2026 · Hillsborough County · 27.966384, -82.506497

5.3/10 MEDIUM RISK

Overall Property Score

A property-level view that combines location peril scores with construction, roof, age, occupancy, fire protection, and exposure signals.

Hurricane 6/10

Flood 5/10

Crime 5/10

Tornado N/A

Hail N/A

Wildfire N/A

Earthquake N/A

Hurricane

High

6 / 10

Why this score

1-in-100 modeled wind leads (48% of weighted drivers); secondary storm exposure count

Primary:: 1-In-100 Modeled Wind
Secondary:: Storm Exposure Count
Top driver share:: 48%

100-yr Design Wind: 95 mph
Annual Probability of Cat 3+ Hurricane: 0
Annual Probability of Cat 1+ Hurricane: 0.05
Max Modeled Wind: 95 mph
Landfall Count: 2

Technical factors

Score Percentile: 88.60
Data Quality Flags: distance_to_coast_audit_only;surge_proxy_not_loss_calibrated;surge_proxy_non_scoring;climate_proxy_non_scoring
Storm Exposure Count: 28

Crime

Moderate

Underwriting context (not a natural-catastrophe rank driver)

5 / 10

Why this score

violent crime rate leads (35% of weighted drivers); secondary property crime rate

Primary:: Violent Crime Rate
Secondary:: Property Crime Rate
Top driver share:: 35%

Offenses per 100k: 2524.08
Violent per 100k: 378.39
Property per 100k: 2145.69
Source Coverage: state_summary_fallback

Technical factors

Score Grain: state_summary_fallback
Crime Severity Index: 0.69
Trend Supported: No
Cde Inventory Id: fbi_cde_ucr_participation_1960_2024
Crime Frequency Index: 0.02
Score Percentile: 68.20
Assignment Method: state_uniform
Reporting Credibility: 0.89
Data Quality Flags: county_rate_model_not_loss_calibrated;cde_participation_state_year_context;cde_reporting_months_unavailable
Coverage Note: FBI 2019 Crime in the United States Table 5 state estimate fallback; no county-observed agency match for this cell. CDE participation/completeness weight applied before credibility shrinkage at the declared source grain.
Source Year Snapshot: 2019
Cde Participation Pct: 89
Cde Participation Note: Official CDE participation bulk file is state/year grain; no county, agency, or H3 precision is inferred. Reporting months are unavailable in the official state-year participation file.
Cde Participation Year: 2019
Cde Participation Grain: state_year
Cde Participation Weight: 0.89
Cde Reporting Population Pct: 0
Credibility Weight Pre Participation: 1

Flood

High

5 / 10

Why this score

riverine flood risk leads (18% of weighted drivers); secondary height above nearest drainage

Primary:: Riverine Flood Risk
Secondary:: Height Above Nearest Drainage
Top driver share:: 18%

Compound Flood Score: 8.25
River Flood Score: 5.94
Coastal Flood Score: 3.79
Rain Flood Score: 4.65
Historical Flood Events: 0
Distance to Coast: 15.0 miles

Technical factors

Height Above Drainage (ft): 0
Elevation (ft): 30.90
Impervious Surface %: 1
Distance to Water: 0.5 miles
Score Percentile: 90.30
Data Quality Flags: loss_calibration_absent
FEMA Risk Score: 0
24-hr 100-yr Rainfall (in): 11

Why this score

Complete

Top signals driving the overall result · 2 factors

Year Built
Very recent construction likely reflects stronger code and materials.

Reduces risk · 0.40
Construction Class
Masonry Non-Combustible lowers hurricane vulnerability.

Reduces risk · 0.18

Missing inputs: Permit Roof Date

Construction

Records/rules estimate Class 4 - Masonry Non-Combustible

Records/rules scaffold Class 4 - Masonry Non-Combustible (Medium confidence)

Why this class?

walls='precast_concrete_panel' - unambiguous structural masonry, noncombustible frame
stories=0 + occupancy='retail_outlet_store' - Type V/small NC, unrated assemblies typical
NC walls + unknown roof deck - envelope continuity unknown

Occupancy

Commercial — Retail — Multi-Tenant

Retail establishment open to the public. Customer foot traffic, shoplifting risk, and slip-and-fall liability are typical exposures. Businesses observed at or near this address include Rooms To Go (Furniture Store), Rooms To Go Kids (Furniture Store), and Rooms To Go Patio (Furniture Store).

Rooms To Go ·Furniture Store Rooms To Go Kids ·Furniture Store Rooms To Go Patio ·Furniture Store

Protection

3/10 Strong

Lower Protection score = stronger fire protection.

~5 min fire response

Municipal (Paid) Tampa Fire Rescue Station 8

Road distance: 1.4 mi

Police: ~4 min · 0.9 mi · Tampa Police Department District 1

Exposure

2.7 mi to coast

Closest exposure: 40 ft rear

parking and side street west of the building

Hurricane: High

Defensible space: Adequate Adjacent exposure: arterial highways on north and east; adjacent re

Building Snapshot

Year Built: 2020
Number of Stories: 1
Units: 1
Roof: Steel Frm Truss / Not classified
Exterior Walls: Precast Concrete Panel
Construction Type: Steel Frame
Market Value: $16,677,300
Owner: Ladoga Properties LLC
Property Type: Retail

Area Breakdown

Additional area details from property records

Gross Building: 53,144 sq ft
Interior / Under Air: 53,144 sq ft
Story 1: 52,304 sq ft
Covered / Canopy: 840 sq ft
Driveway: 68,890 sq ft

PerilScore.com

Estimated replacement cost

Structure rebuild, excluding land and not market value

Input completeness: High

Low

$9,740,000

$183/sqft

Mid

$11,460,000

$216/sqft

High

$13,180,000

$248/sqft

This is an indicative structure-only reconstruction range. It excludes land and is not market value, ACV, an appraisal, contractor bid, or carrier cost-manual certification. Review assumptions, missing inputs, and confidence before use.

Permit History

Premium permit history

Total Permits: 16
Last Activity: 2021-06-02
First Permit: 2019-08-29
Addition: Yes
New Construction: Yes
Electrical Work: Yes
Plumbing Work: Yes

Show all permits (16)

Number	Type	Status	Filed	Value
BLD-19-0467258-15	Temporary certificate of occupancy	final	2021-03-17	—
BLD-19-0467258-14	Temporary certificate of occupancy	final	2020-12-21	—
BTR-21-0525566	Commercial electrical trade	final	2020-12-17	—
BLD-20-0473337-REV1	Building plan revision	final	2020-12-08	—
BLD-19-0467258-13	Temporary certificate of occupancy	final	2020-12-08	—
BLD-19-0467258-REV2	Building plan revision	final	2020-09-02	—
BLDEXT-20-0000374	Commercial permit extension	final	2020-08-17	—
BLD-20-0475439	Commercial miscellaneous	final	2020-06-16	—
BLD-20-0475379	Commercial miscellaneous	final	2020-06-12	—
BTR-20-0514965	Commercial fire trade	final	2020-05-08	—
BLD-20-0473404	Commercial miscellaneous	final	2020-03-17	—
BLD-20-0473337	Commercial miscellaneous	final	2020-03-13	—
BLD-19-0467258-REV1	Building plan revision	final	2020-03-10	—
BTR-20-0512068	Commercial plumbing trade	final	2020-02-26	—
UTL-19-0001637	Commercial utility application	final	2019-05-24	—
BLD-19-0467258	Commercial new construction and additio…	final	2019-05-22	—

Permit signals come from third-party records and vary by jurisdiction, coverage, and update timing. No records found does not prove no work occurred; unavailable or unmatched coverage is not zero permits. Reported values are unverified record values.

Underwriting summary

Draft submission narrative for underwriter handoff

This 2020 steel-frame retail building with precast concrete panel walls and a large, light-colored flat roof presents a favorable structural wind profile under post-2002 Florida code, but the broad low-slope roof remains the primary hurricane exposure through uplift and membrane damage. At 2.7 miles from the coast it is not waterfront, yet surge and wind-driven rain remain relevant; satellite views show no shutters, limited tree overhang on the building, and a wooded parcel north of the arterial that could contribute debris. Rooms To Go furniture retail does not add a cooking or fuel hazard, and Protection score 3/10 reflects a nearby municipal fire station. The Overall Property Score is 5.3/10 (medium risk). Key score drivers include Very recent construction likely reflects stronger code and materials; Masonry Non-Combustible lowers hurricane vulnerability.

Generated 2 weeks, 4 days ago

AI-generated draft. It may contain errors or omit material facts. PerilScore provides non-binding decision support and does not approve, decline, bind, quote, price, or determine coverage. A qualified insurance professional must verify the underlying evidence before using or communicating any decision.

Supporting property records

107 public-record fields available · Submission evidence and source assessor fields

View all public records (107)

Raw assessor fields (107)

Deck: deck_present
Heat: central
Acres: 3.632
Lot 1: 47610
Range: 18E
Block1: 5
Canopy: canopy_present
Zoning: PD
Section: 16
Flooring: tile_unspecified
Latitude: 27.966264
Lot Sqft: 158204.00
Msa Code: 45300
Msa Name: Tampa-St. Petersburg-Clearwater, FL
Township: 29S
Cbsa Code: 45300
Cbsa Name: Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area
Fips Code: 12057
Last Name: Ladoga Properties LLC
Longitude: -82.506733
Gross Sqft: 53144
Match Type: parcel
Roof Cover: other_not_classified
Roof Frame: steel_frm_truss
Unit Count: 1
Year Built: 2020
Canopy Sqft: 840
Contact Zip: 33584
Situs State: FL
Subdivision: Unplatted
Census Block: 1003
Census Tract: 4601
Company Flag: owner_is_company
Contact City: Seffner
Contact Crrt: R003
Contact Zip4: 7346
Situs County: Hillsborough
Building Sqft: 53144
Contact State: FL
Driveway Sqft: 68890
Driveway Type: asphalt_driveway
Land Use Code: 1110
Tax Rate Area: TA
1St Floor Sqft: 52304
Assessed Value: 16677300
Elevation Feet: 33
Exterior Walls: precast_concrete_panel
Land Use Group: commercial
Ownership Type: company
Parking Spaces: 0
Stories Number: 1
Air Conditioner: central
Owner Full Name: Ladoga Properties LLC
Tax Assess Year: 2025
Tax Fiscal Year: 2024
Fireplace Number: 0
Ownership Type 2: individual
Publication Date: 2026-05-05
Tax Jurisdiction: Hillsborough
Construction Type: steel_frame
Land Use Standard: retail_outlet_store
Legal Description: a Parcel of Land Being a Portion of NW 1/4 of NE 1/4 of Sec 16 Twp 29 S RGE 18 E Being More Particularly Desc As Follows: Comm AT NE Cor of NW 1/4 of NE 1/4 of SD Sec 16 Thn Run N 89 Deg 47 Min 07 Sec W Alg N Bdry of NW 1/4 of NE 1/4 of SD Sec 16 a D
Market Land Value: 100
Market Value Year: 2025
Parcel Raw Number: 110964-0000
Tax Billed Amount: 320547.69
Census Block Group: 1
Interior Structure: wallboard_drywall
Total Market Value: 16677300
Assessed Land Value: 100
Contact Street Name: US Highway 92
Number Of Buildings: 1
Assessor Last Update: 2026-04-21
Contact Full Address: 11540 E US Highway 92
Contact House Number: 11540
Contact Mailing Fips: 12057
Deed Owner Full Name: Ladoga Properties LLC
Deed Owner Last Name: Ladoga Properties LLC
Effective Year Built: 2020
Fire Resistance Code: fireproof_steel_frames
Contact Pre Direction: E
Parcel Account Number: 1109640000
Property Address City: Tampa
Property Address Full: 2970 N Dale Mabry HWY
Census Fips Place Code: 71000
Contact Mailing County: Hillsborough
Owner Occupancy Status: not_owner_occupied
Property Address State: FL
Property Address Zip 4: 2415
Assessor Taxroll Update: 2026-01-21
Parcel Number Alternate: A162918zzz000005476101
Previous Assessed Value: 16290800
Building Definition Code: gross_area
Market Improvement Value: 16677200
Parcel Number Year Added: 2025
Property Address Zipcode: 33607
Minor Civil Division Code: 93367
Minor Civil Division Name: Tampa
Parcel Number Year Change: 0
Assessed Improvement Value: 16677200
Market Improvement Percent: 100.00
Assessed Improvement Percent: 100.00
Property Address Street Name: Dale Mabry
Property Address House Number: 2970
Property Address Pre Direction: N
Property Address Street Suffix: HWY
Property Address Carrier Route Code: C041

Building diagram

Area-estimate schematic

Approximate schematic from building area and stories; not a measured outline.

Exposure completeness Package readiness · not a risk score 1 gap B

Defaults: Low

1 gaps — what the next desk may invent

Building geometry is an estimated schematic. GEOMETRY_ESTIMATED

pkg-grade-v1

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