Pinellas County · Incorporated city

Treasure Island, Florida

A Pinellas County city linked to St. Petersburg by the Treasure Island Causeway

Treasure Island is a city in Pinellas County, Florida (ZIP 33706), with 6,584 residents at the 2020 Census and about 1.55 square miles of land. The city says its storm sewers flow into Boca Ciega Bay and the Gulf of Mexico, and that every site is in a FEMA Special Flood Hazard Area. The Treasure Island Causeway links it to St. Petersburg.

In short: Treasure Island is a Pinellas County, Florida city of 6,584 residents between Boca Ciega Bay and the Gulf; the city says every site is in a flood hazard area.

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Overview

Treasure Island at a glance

Treasure Island, Florida. Updated October 2026.
Fact	Value	Source
Location	Pinellas County, Florida, ZIP 33706 (City Hall address)	Note 2
Population	6,584 (2020 Census)	Note 1
Land area	About 1.55 square miles of land (Census QuickFacts, 2020)	Note 1
Incorporated	May 3, 1955, when the towns of Treasure Island, Boca Ciega, Sunshine Beach and Sunset Beach were incorporated as one city, according to the city	Note 2
Stormwater outfall	The city says its storm sewer system flows directly into Boca Ciega Bay and the Gulf of Mexico	Note 2
Route to St. Petersburg	The Treasure Island Causeway; the city says the direct link from St. Petersburg came in 1939 with the causeway	Note 2
Flood designation	The city states all sites are in a FEMA Special Flood Hazard Area and a wind-borne debris zone	Note 2
Flood insurance rating	Community Rating System Class 6, which the city says gives policyholders a 20% discount on flood insurance premiums	Note 2
Local government	Mayor and four Commissioners; the Mayor is elected at large and the Commission appoints the City Manager	Note 2
Building permits	The city issues its own permits and inspections through its Community Development Department	Notes 2, 9

Sunset Beach is one of the four towns merged into the city in 1955. It is an area within Treasure Island, not a separate municipality (Note 2).

Setting

How is Treasure Island laid out?

The city says its storm sewer system flows into Boca Ciega Bay and the Gulf of Mexico, and its floodplain pages describe a flood designation that covers the whole city (Note 2).

The city says its storm sewer system flows directly into Boca Ciega Bay and the Gulf of Mexico (Note 2).
The city says the direct link from St. Petersburg to Treasure Island came in 1939 with the Treasure Island Causeway (Note 2).
Four towns (Treasure Island, Boca Ciega, Sunshine Beach and Sunset Beach) were incorporated as the City of Treasure Island on May 3, 1955 (Note 2).
The city states that all sites in Treasure Island are in a wind-borne debris zone and in a Special Flood Hazard Area (Note 2).
Sunset Beach is an area within the city rather than a separate municipality (Note 2).

Local rules

Who sets the rules in Treasure Island?

The city runs its own building, floodplain, planning and zoning, and code compliance functions.

The City Commission is the Mayor plus four Commissioners. The city says regular meetings are the first and third Tuesdays at 6 p.m. at City Hall (Note 2).
The Community Development Department has Building, Floodplain Management, Long-Range Planning and Zoning, and Code Compliance divisions. The county’s building-departments page lists the city’s own building office, with an address and phone, and does not name Treasure Island among the municipalities served by Pinellas County Building Services (Notes 2 and 9).
Permit applications are submitted through the city’s Online Permitting and Planning System (OPPS-TI), which requires a user account. The city’s Building Division page says homeowners can view a property’s permit history in the system (Note 2).
The city cites the 2023 Florida Building Code, Building, 8th Edition, ASCE 24-14, the Pinellas Gulf Beaches Coastal Construction Code (Local Technical Amendment 3109) and a wind speed requirement it lists as 150 mph, Exposure D (Note 2).
The city cites Chapter 66 (Floodplain Management) of its code on Municode. Read the current text before you rely on a rule (Note 2).
The city’s Planning Projects page said its Comprehensive Plan was approved by the State in June 2023 and was being resubmitted for state review, with Land Development Regulations updates to follow. Confirm the current status with the city (Note 2).

City Hall is at 10451 Gulf Blvd, Treasure Island, FL 33706, (727) 547-4575. Zoning questions go to zoning@mytreasureisland.org. Rules and fees change; confirm with the city.

Due diligence

What should you check before buying in Treasure Island?

Checks for a Pinellas County city with a citywide flood designation, condominiums, rentals and waterfront. Sourced where noted.
Check	Why it matters here	Source
Flood zone, base flood elevation and design flood elevation	The city says every site is in a Special Flood Hazard Area, so elevation and insurance questions apply to any parcel. The city points to its Forerunner lookup for property and floodplain data; FEMA’s Flood Map Service Center is the federal source	Notes 2, 3
Substantial improvement (50% rule)	The city defines substantial improvement as work costing 50% or more of the building’s market value before the work starts. The city says such a building must be brought into compliance with current floodplain regulations, and its post-hurricane FAQ says the calculation uses the structure’s market value only and counts maintenance projects. The pages reviewed state no look-back period. Ask for any determination and permit history	Note 2
Flood insurance basics	The city says a National Flood Insurance Program policy typically has a 30-day waiting period and that most homeowners’ or renters’ policies typically do not cover flood damage. Confirm quotes and coverage for the specific parcel with an insurance agent	Note 2
Coastal construction control line	Under Florida law, construction seaward of an established control line is barred except as the statute provides, and DEP can grant permits except where a DEP-approved local coastal code applies. The city cites the Pinellas Gulf Beaches Coastal Construction Code, but this guide has not confirmed how that code interacts with DEP permitting, or whether a given parcel is seaward of a line. Confirm with the city and DEP, whose page points to its Map Direct tool	Notes 2, 4, 5
Tourist dwelling (short-term rental) rules	The city says tourist dwellings are not permitted in the RU-75 or RM-15 zoning districts and are permitted in CG, RFM-30, RFH-50, PR-MU Core and PR-MU Gulf Boulevard. It presumes a property is a tourist dwelling above a set number of occupancy changes. Check the parcel’s zoning district and the current code. The city page is undated and mentions a state lodging license and a city Local Business Tax	Note 2
Seawalls	The city’s permit page links a seawall checklist. Confirm the current seawall requirements with the city, and ask for seawall permit history and condition	Note 2
Docks, boat lifts and pilings	The city’s permit page links a dock, boat lift and piling application packet marked draft, and says its main permit application excludes docks and boat lifts. Ask which approvals apply and confirm that existing docks were permitted	Note 2
Condominium milestone inspection and reserve study	Florida law requires milestone inspections for condominium and cooperative buildings three habitable stories or more in height, with the first due by December 31 of the year the building reaches 30 years (Note 6), and structural integrity reserve studies at least every 10 years for condominium buildings of that height (Note 7). Both laws have been amended, so confirm the current text. The city’s milestone page said “More information to come,” and the county’s milestone program page does not list Treasure Island among the municipalities it serves. Ask the association for the reports and the city’s Building Division where they are filed	Notes 2, 6, 7, 8
Storm-damage submissions for condos and multi-tenant buildings	The city has a separate substantial-damage form for condominium, townhouse and multi-tenant buildings and a commercial storm permit application that includes condos, so ask the city which forms apply to repairs in these buildings	Note 2
Property records and permit history	Pull the parcel record from the Pinellas County Property Appraiser, and the permit history from the city before you make an offer	Notes 2, 10

This is a checklist, not advice. Confirm each item with the city, the county and your attorney.

Comparison

How does Treasure Island compare with nearby places?

Treasure Island next to places buyers often compare it with. Census figures are 2020. Sourced where noted.
Community	Setting	How it differs
St. Pete Beach	Pinellas County city with its own building department	Larger by Census count and land area: 8,879 people and 2.13 square miles, against Treasure Island’s 6,584 and 1.55. Both list their own building departments in the county’s directory (Notes 1, 9, 11)
Madeira Beach	Pinellas County city with its own building department	Also listed with its own building department (300 Municipal Drive). ABODE did not verify its population or area from a Census page, so none is shown (Note 9)
St. Petersburg	Pinellas County city with its own building department	Much larger: 258,308 people and 61.82 square miles of land. The county’s directory lists its own building department, and the city says the direct link between the two came in 1939 with the Treasure Island Causeway (Notes 2, 9, 12)
Sunset Beach	Area within Treasure Island	Not a separate municipality. It was one of the four towns merged into the city in 1955, so confirm the parcel’s zoning district (Note 2)

Working with ABODE

How does ABODE help in Treasure Island?

ABODE is a licensed luxury real estate brokerage. Our Florida office is on West Bay Drive in Largo. We compare each Treasure Island property with similar sales nearby, review flood, control-line, rental and condominium documents with you, and keep conversations private. We represent both buyers and sellers.

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Keep reading

Pinellas County

County guide to permitting offices, homestead rules, flood and evacuation lookups, and condo inspections

Davis Islands, Tampa

A South Tampa island neighborhood created in the 1920s and reached by the Davis Islands Bridge

Madeira Beach

A Gulf Coast barrier-island city with a historic John’s Pass Village and its own building department

St. Pete Beach

A Gulf-side barrier-island city with its own building department

Indian Rocks Beach

A Gulf-side city with a beachfront business district

Largo

A central Pinellas County city bordering Clearwater, Belleair and Seminole, with causeway access to the Gulf beaches

Pinellas condominium due diligence

Florida milestone inspections, structural reserve studies and five documents to request

Florida oceanfront due diligence

The state, federal and local lines that cross an oceanfront lot, and the order to test them

Gulf-front vs. Intracoastal in Pinellas County

Beach lines versus seawall, dock and dredging approvals: what differs on each Pinellas shore.

Redington Shores

A Gulf Boulevard town with its own Building Department and a townwide flood hazard area.

Indian Shores

Barrier-island town: own building department, flood checks, and a town-stated 25-year milestone interval

St. Petersburg

Strong-mayor city, own permitting, 49% flood-repair rule, milestone and historic checks

Questions

Treasure Island real estate: frequently asked questions

What is Treasure Island, Florida?

Treasure Island is a city in Pinellas County, Florida (ZIP 33706). It had 6,584 residents at the 2020 Census (Note 1). The city says its storm sewer system flows directly into Boca Ciega Bay and the Gulf of Mexico, and that the direct link from St. Petersburg came in 1939 with the Treasure Island Causeway (Note 2).

Is all of Treasure Island in a flood zone?

The city’s floodplain page says all sites in Treasure Island are in a wind-borne debris zone and in a FEMA Special Flood Hazard Area (Note 2). The exact zone, elevation and insurance cost still vary by address, so look up the specific property in the city’s Forerunner map or FEMA’s Flood Map Service Center (Notes 2 and 3).

What is the 50% substantial-improvement rule in Treasure Island?

The city defines a substantial improvement as a repair, reconstruction, rehabilitation, alteration, addition or other improvement whose cost equals or exceeds 50% of the building’s market value before the work starts. Such work must meet current floodplain requirements, so ask about permit history and plan renovations with the city (Note 2).

Can I use a home in Treasure Island as a short-term rental?

The city presumes a property is a tourist dwelling above a set number of occupancy changes in a 12-month period. It says tourist dwellings are not permitted in the RU-75 or RM-15 zoning districts and are permitted in CG, RFM-30, RFH-50, PR-MU Core and PR-MU Gulf Boulevard. Check the parcel’s zoning district and the current code, and confirm with the city (Note 2).

Who issues building permits in Treasure Island?

The city does, through its Community Development Department, with applications submitted online through OPPS-TI. The Pinellas County building-departments page lists the city’s own office and phone number rather than referring it to Pinellas County Building Services (Notes 2 and 9).

Does ABODE International Realty work in Treasure Island?

Yes. ABODE International Realty is a Florida-licensed luxury real estate brokerage with its office at 801 West Bay Drive, Suite 324, in Largo. ABODE represents buyers and sellers in Treasure Island and compares each property with similar sales nearby.

Private consultation

Request a private Treasure Island consultation

Please tell us what you are weighing. An ABODE advisor replies privately. We aim to reply within one business day.

Sources and notes

U.S. Census Bureau QuickFacts: Treasure Island city, Florida. Source for the 2020 Census population (6,584) and land area (1.55 square miles). Total and water area were not retrieved from a Census source and are not shown. Checked October 8, 2026.
City of Treasure Island (official site: About, stormwater, floodplain, 50% rule, flood insurance, tourist dwelling, permit, Building Division, City Commission and planning pages). Source for the incorporation date, causeway, stormwater outfall, flood designation, Class 6 rating, government, permitting, building standards, rental zoning, seawall and dock forms, and planning status. City pages change and some are undated or marked draft; confirm current text
FEMA Flood Map Service Center. Look up the flood zone for any address. Flood zone is parcel specific
Florida Statutes, section 161.053 (Coastal construction control lines), and Florida DEP CCCL program. The statute has DEP establish coastal construction control lines on a county basis along the sand beaches of the state. Once a line is filed, construction seaward of it is barred except as the statute provides; subsection (4) lets DEP grant permits, except in areas where DEP-approved local coastal zoning and building codes apply under subsection (3). The statute does not tell you whether a given parcel is seaward of a line; confirm with DEP and the city. 2026 edition of the statute
Florida DEP: locate the coastal construction control line. DEP’s page for finding where the line falls on a property. It points to DEP’s Map Direct mapping tool and does not mention Pinellas County
Florida Statutes, section 553.899 (milestone inspections). Covers buildings three habitable stories or more in height that are subject, in whole or in part, to condominium or cooperative ownership: the first inspection is due by December 31 of the year the building reaches 30 years, then every 10 years, and a local enforcement agency may set 25 years because of conditions such as proximity to salt water. The statute has been amended several times; confirm the current text with the association and your attorney. 2026 edition of the statute
Florida Statutes, section 718.112 (condominium association bylaws and reserve studies). Paragraph (2)(g) requires a structural integrity reserve study at least every 10 years for buildings three habitable stories or higher, as determined by the Florida Building Code. 2025 edition of the statute; the law has been amended recently, so confirm the current text with the association and your attorney
Pinellas County: condo milestone inspections. The county program page lists seven municipalities it serves besides unincorporated Pinellas County (Belleair Beach, Belleair Bluffs, Belleair Shore, Indian Rocks Beach, Oldsmar, Safety Harbor and Kenneth City); Treasure Island is not among them. Checked October 8, 2026.
Pinellas County: building departments in Pinellas County. Which building department handles permits for each Pinellas municipality. Checked October 8, 2026.
Pinellas County Property Appraiser. Parcel records for Pinellas County
U.S. Census Bureau QuickFacts: St. Pete Beach city, Florida. Source for St. Pete Beach 2020 population and land area used in the comparison. Checked October 8, 2026.
U.S. Census Bureau QuickFacts: St. Petersburg city, Florida. Source for St. Petersburg 2020 population and land area used in the comparison. Checked October 8, 2026.
ABODE local knowledge. Comparisons and plain-language descriptions reflect ABODE’s experience and are not statistics