1012 Bay St, Delray Beach, FL 33483 Property Records

Palm Beach County property record for 1012 Bay St, Delray Beach, FL 33483

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 3,085 sqft · built 2000
Lot Size	0.088 acres (3,859 sqft)
Owner	Individual Name on File
Last Sale	$1,400,000 (Sep 2020)
Tax Bill	$24,998 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-43-46-16-E4-000-0090`

Property Details

APN / Parcel Number

Primary APN	`12-43-46-16-E4-000-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	3,085 sqft Living Area
Gross Area	3,886 sqft
1st Floor Area	1,230 sqft
Upper Floors Area	1,855 sqft

Exterior

Year Built	Built 2000
Construction Type	Concrete Block
Lot Area	3,859 sqft (0.088 acres)
Garage Area	474 sqft

Exterior Amenities

Pool Area	54 sqft
Porch	Open Porch
Porch Area	327 sqft
Patio Area	275 sqft

Location & Zoning

Street Address	1012 BAY ST
City	DELRAY BEACH
State	FL
Zip	33483-6706
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	WINDSOR COURT LT 9
Legal Range	43E
Legal Township	46S
Legal Section	16
Legal Subdivision	WINDSOR COURT
Legal Lot Number	9
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2017
Census Tract	7410

Owner

1012 Bay St, a townhouse, is owned and occupied by an individual who bought it in September 2020.

Source: Palm Beach County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1012 BAY ST, DELRAY BEACH, FL 33483-6706
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	May 2, 2016 · Amount on File
Deed Document Number	20200332900
Deed Book / Page	31727 / 537
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 9, 2020
Property Address	1012 BAY ST, DELRAY BEACH, FL 33483-6706
Document Number	0317270537
Book / Page	31727 / 537
Map Reference	MB 84 PG 50
Instrument Date	Sep 2, 2020
Instrument	20200332900
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST PRIORITY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 S OCEAN BLVD # BLVD7C, 2150, DELRAY BEACH, FL 33483-6450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 CAPE COD WAY, MOORESVILLE, NC 28117-7342

Mortgage

Document Number	0031727539
Date	Sep 9, 2020
Instrument	31727/539

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Margin	2
Max Rate	7.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1012 Bay St was $24,998 with a homeowner's exemption.

Source: Palm Beach County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Palm Beach County
Municipality	Delray Beach City
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$24,998.00 Homeowner's exemption	$1,382,368	$2,247,095 Building $2,247,095
2023	$24,056.00 (+0.21%) Homeowner's exemption	$1,304,281 (+3%)	$1,815,760 (+14.87%) Building $1,815,760
2022	$24,006.00 Homeowner's exemption	$1,266,292	$1,580,760 Building $1,580,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1012 Bay St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 227 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	814 units insured incl. 587 condo units
Nearby Flood Claims	48 (1979–2022)
Claims Outside the SFHA	10 of 48
Most Recent Claim	Apr 2022 · other causes
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Irene, Oct 1999 · 4 claims Tropical Storm Mitch, Nov 1998 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1012 Bay St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DELRAY BEACH PUBLIC WATER SYSTEM serves 69,754 people · EPA ID FL4500351
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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