Late August through October is the most active stretch of hurricane season in Florida — and it's also a period when real estate transactions in St. Petersburg and the surrounding Tampa Bay area don't slow down, they just get more nuanced. Whether you're closing on a home this fall or getting ready to list, a few storm-season factors can make a real difference in your timeline, your insurance costs, and your peace of mind.

Here's what to keep in mind if you're buying or selling in Pinellas or Hillsborough County right now.

For Buyers: What to Check Before You Close

Flood zone status. Before you fall in love with a listing, pull the FEMA flood zone designation. Many of the area's most desirable waterfront and near-water neighborhoods — think Shore…

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