16 Surf Rd, Boynton Beach, FL 33435 Property Records

Palm Beach County property record for 16 Surf Rd, Boynton Beach, FL 33435

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 849 sqft · built 1951
Lot Size	0.075 acres (3,245 sqft)
Owner	Individual Name on File
Last Sale	$1,144,000 (May 2026)
Tax Bill	$5,024 (2025)
Deeds & Mortgages	May 2026 Sale Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00-43-45-34-08-000-0240`

Property Details

APN / Parcel Number

Primary APN	`00-43-45-34-08-000-0240`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	849 sqft Living Area
Gross Area	1,144 sqft
1st Floor Area	849 sqft
Utility Area	80 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,245 sqft (0.075 acres)
Lot Dimensions	65 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Porch	Finished/Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	16 SURF RD
City	BOYNTON BEACH
State	FL
Zip	33435-7311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Description	FRANTZ PELICAN BEACH ADD LT 24
Legal Range	43E
Legal Township	45S
Legal Section	34
Legal Subdivision	FRANTZ PELICAN BEACH ADD
Legal Lot Number	24
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	4
Census Block	4032
Census Tract	5411

Owner

16 Surf Rd is owned and occupied by an individual who bought it in May 2026.

Source: Palm Beach County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Date	Document
May 12, 2026	Warranty Deed, Transfer STANDARD TITLE
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit ITHINK FINANCIAL CU
May 11, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Jan 28, 1999 · Amount on File
Deed Document Number	2026170393
Deed Book / Page	36510 / 1133
Prior Transfer Date	Nov 30, 2015
Prior Transfer Doc	0279631014
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	May 12, 2026
Property Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311
Document Number	0365101133
Book / Page	36510 / 1133
Instrument Date	May 8, 2026
Instrument	2026170393
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	STANDARD TITLE

Transaction

Amount	Amount on Record
Tax	$808,808.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SURF RD, OCEAN RIDGE, FL 33435-7311

Mortgage

Document Number	0360621363
Date	Oct 14, 2025
Book Page	36062/1363
Instrument	20250363893

Lender

Name	ITHINK FINANCIAL CU
Type	Credit Union
Address	DELRAY BEACH, FL 33445

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0314141089
Date	May 11, 2020
Book Page	31414/1089
Instrument	20200160080

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	16 SURF RD, BOYNTON BEACH, FL 33435-7311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0319130521
Date	Nov 14, 2020
Book Page	31913/521
Instrument	20200433634

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 16 Surf Rd was $5,024 with a homeowner's exemption, up 3.1% from the year before.

Source: Palm Beach County assessment roll, as of December 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,024.00 (+3.14%) Homeowner's exemption	$324,090	$935,424 Land $768,030 Building $167,394
2024	$4,871.00 (+2.63%)
2023	$4,746.00 (+1%) Homeowner's exemption	$305,783 (+3%)	$747,615 (+17.03%) Land $600,599 Building $147,016
2022	$4,699.00 Homeowner's exemption	$296,877	$638,816 Land $519,991 Building $118,825

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16 Surf 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 67 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	88 units insured incl. 21 condo units
Nearby Flood Claims	90 (1978–2022)
Claims Outside the SFHA	13 of 90
Most Recent Claim	Dec 2022 · Seminole Tribe Of Florida Tropical Storm Nicole
Claims by Event	Hurricane Frances, Sep 2004 · 11 claims Hurricane Irene, Oct 1999 · 24 claims Tropical Storm Mitch, Nov 1998 · 16 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 16 Surf Rd 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 99.1% of the US · lower than 98.7% 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	BOYNTON BEACH PWS serves 112,000 people · EPA ID FL4500145
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 433 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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