You can find a lot of helpful info pertaining to property tax on the PInellas County Property Appraiser's website,
http://www.pcpao.org

Also, insurance premiums are based on numerous factors and with the insurance crisis of the past few years, an estimate is very difficult to generalize. However, I have not had any problems getting quotes from the select few agents that I refer buyers to.

Please contact me if you have any further questions or concerns- I'll be happy to help you.
Our real estate office is located at 1101 Gulf Blvd at IRB (Indian Rocks Bch).

Best Wishes!

Gman, taxes you would be obligated to pay on any home purchased Pinellas County for primary residence purposes will be based on the purchase price, area millage rate and the exemptions for which you may qualify. Communities such as Indian Rocks have a very eclectic assortment of homes with a wide range of style, size, age and construction type attributes. Then there's the water-front which skew the averages off the scale.
Insurance rates in Florida are affected by the applicants credit score with many of the insurance providers. Quite frequently, a quote can only be given to the applicant, not to real estate agents or others doing research, for this reason PLUS, the qoute is give if the closing is to occur withing 30 to 60 days. The good news is there IS insurance available for everyone.
I you want more capablility in determining taxes I would be happy to send you my Pinellas County calculator. Millage rates are show on the form. The calculator is an Excel SS. Drop me your email address or give me a call.
Annette Lawrence
ReMax ACR Elite Group, Inc
727. 420. 4041

There is no average because it varies according to when the property was purchased and whether or not it is homesteaded. If you gave me a specific property I would pull it up for you but for the moment here is the website for the tax collector and the local milage:
http://www.taxcollect.com/Default.aspx
http://www.taxcollect.com/webimages/Dept2Forms/2008_millage_…