Palm Beach County property record for 152 Reef Rd, Palm Beach, FL 33480
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,940 sqft · built 1943 |
| Lot Size | 0.253 acres (11,025 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,922,500 (Jun 2017) |
| Tax Bill | $56,235 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2022 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 50-43-42-34-08-000-0390 |
| Primary APN | 50-43-42-34-08-000-0390 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,940 sqft Living Area |
| Gross Area | 5,193 sqft |
| 1st Floor Area | 2,651 sqft |
| Upper Floors Area | 121 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 11,025 sqft (0.253 acres) |
| Lot Dimensions | 105 ft deep x 105 ft wide |
| Pool Area | 80 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 1,253 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 152 REEF RD |
|---|---|
| City | PALM BEACH |
| State | FL |
| Zip | 33480-3059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Description | NORTH SHORE ADD TO PALM BEACH LT 39 |
| Legal Range | 43E |
| Legal Township | 42S |
| Legal Section | 34 |
| Legal Subdivision | NORTH SHORE ADD TO PALM BEACH |
| Legal Lot Number | 39 |
| Jurisdiction | PALM BEACH FL |
| Township / Civil Division | WEST PALM BEACH |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 3507 |
152 Reef Rd is owned and occupied by two individuals who bought it in June 2017.
Source: Palm Beach County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| 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.
| Date | Document |
|---|---|
| May 5, 2022 | Deed of Trust, Mortgage NFS LEASING INC |
| May 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA |
| Jul 6, 2018 | Deed of Trust, Mortgage · ARM ORIGIN BANK |
| Jan 28, 2020 | Deed of Trust, Mortgage NFS LEASING INC |
| Aug 21, 2019 | Deed of Trust, Mortgage FARMERS & MERCHANTS NAT'L BK |
| Jun 5, 2017 | Warranty Deed, Transfer · Commercial Mortgage ORIGIN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2017 · Amount on File |
| Deed Sale | Jun 5, 2017 · Amount on File |
| Prior Sale | Aug 24, 2007 · Amount on File |
| Deed Document Number | 2017198334 |
| Deed Book / Page | 29128 / 1033 |
| Prior Transfer Date | Mar 18, 1994 |
| Prior Transfer Doc | 8360001181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Investor | Possibly a Property Investor |
| Document Number | 0335310616 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 33531/616 |
| Instrument | 20220195255 |
| Name | NFS LEASING INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BEVERLY, MA 01915 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Investor | Possibly a Property Investor |
| Document Number | 0335330252 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 33533/252 |
| Instrument | 20220196318 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.23% |
| Type Change Date | May 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.23% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.23% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0299741525 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 29974/1525 |
| Instrument | 20180262926 |
| Name | ORIGIN BANK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71201 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Document Number | 0311911026 |
| Instrument Date | Jan 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 152 REEF RD PALM BEACH FL 334803059, PALM BEACH, FL 33480-3059 |
| Document Number | 0311911026 |
|---|---|
| Date | Jan 30, 2020 |
| Book Page | 031191/001026 |
| Instrument | 38446 |
| Name | NFS LEASING INC |
|---|---|
| Address | 900 CUMMINGS CTR # 226U, BEVERLY, MA 01915-6183 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Jan 29, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Document Number | 0308440634 |
| Instrument Date | Aug 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 152 REEF RD PALM BEACH FL 334803059, PALM BEACH, FL 33480-3059 |
| Document Number | 0308440634 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 030844/000634 |
| Instrument | 313671 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | 123 W HURON ST, BERLIN, WI 54923-1530 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 22, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Document Number | 0291281033 |
| Book / Page | 29128 / 1033 |
| Map Reference | MB20 PG62 |
| Instrument Date | May 25, 2017 |
| Instrument | 20170198334 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,457.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 157 RANGLAND ST NSW AU S 2088, 157, 00000 |
| Name | Verified Name |
|---|---|
| Address | 152 REEF RD, PALM BEACH, FL 33480-3059 |
| Document Number | 20170198337 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 20170198337 |
| Name | ORIGIN BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | May 25, 2018 |
| Document Number | 0291281037 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 29128/1037 |
| Instrument | 20170198336 |
| Name | ORIGIN BANK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71201 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jun 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
The 2025 property tax bill for 152 Reef Rd was $56,235 with a homeowner's exemption.
Source: Palm Beach County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Palm Beach County |
| Municipality | Palm Beach Town |
| Unified School District | Palm Beach County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $56,235.00 Homeowner's exemption | $3,757,685 | $6,561,576 Land $5,838,020 Building $723,556 |
| 2023 | $53,505.00 (-0.16%) Homeowner's exemption | $3,545,420 (+3%) | $7,053,169 (+23.38%) Land $4,803,708 Building $2,249,461 |
| 2022 | $53,589.00 Homeowner's exemption | $3,442,155 | $5,716,438 Land $3,847,376 Building $1,869,062 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 152 Reef Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 247 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 247 in force |
| Nearby Flood Claims | 118 (1978–2020) |
| Claims Outside the SFHA | 25 of 118 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 152 Reef Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST PALM BEACH WTP serves 132,000 people · EPA ID FL4501559 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Jul 2024 Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 183 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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