20185 Ocean Key Dr, Boca Raton, FL 33498 Property Records

Palm Beach County property record for 20185 Ocean Key Dr, Boca Raton, FL 33498

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,288 sqft · built 1997
Lot Size	0.203 acres (8,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Mar 2021)
Tax Bill	$12,424 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00-41-47-13-23-009-0260`

Property Details

APN / Parcel Number

Primary APN	`00-41-47-13-23-009-0260`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,288 sqft Living Area
Gross Area	4,384 sqft
1st Floor Area	2,400 sqft
Upper Floors Area	888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,830 sqft (0.203 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	588 sqft

Exterior Amenities

Pool Area	81 sqft
Porch	Finished/Open Porch
Porch Area	508 sqft
Patio Area	676 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20185 OCEAN KEY DR
City	BOCA RATON
State	FL
Zip	33498-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTS
Legal Description	BOCA ISLES SOUTH PH 5F LT 26 BLK 9
Legal Range	41E
Legal Township	47S
Legal Section	13
Legal Subdivision	BOCA ISLES SOUTH PH 5F
Legal Phase	26
Legal Block	9
Legal Lot Number	26
Jurisdiction	PALM BEACH FL
Township / Civil Division	SUNSHINE PARKWAY
Census Block Group	2
Census Block	2003
Census Tract	7730

Owner

Source: Palm Beach County records, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20185 OCEAN KEY DR, BOCA RATON, FL 33498-4530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 30, 2017	Deed of Trust, Mortgage · Line of Credit TBM SOUTWEST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021 · Amount on Record
Deed Sale	Mar 11, 2021 · Amount on Record
Prior Sale	Mar 6, 2015 · Amount on Record
Deed Document Number	2021110882
Deed Book / Page	32275 / 634
Prior Transfer Date	Dec 18, 2007
Prior Transfer Doc	0223620925
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Mar 11, 2021
Property Address	20185 OCEAN KEY DR, BOCA RATON, FL 33498-4530
Document Number	0322750634
Book / Page	32275 / 634
Map Reference	MB 73 PG 179
Instrument Date	Mar 8, 2021
Instrument	20210110882
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTH FLORIDA TITLE ASSOCIATES, SOUTH FLORIDA TITLE ASSC LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15393 RENAISSANCE AVE, 15393, ODESSA, FL 33556-4394

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20185 OCEAN KEY DR, BOCA RATON, FL 33498-4530

Mortgage

Document Number	0032275636
Date	Mar 11, 2021
Instrument	32275/636

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	20185 OCEAN KEY DR, BOCA RATON, FL 33498-4530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0293241211
Date	Aug 30, 2017
Book Page	29324/1211
Instrument	20170315699

Lender

Name	TBM SOUTWEST CU
Type	Non-Lending Institution
Address	DELRAY BEACH, FL 33445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 21, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$12,424.00 (+2.98%) Homeowner's exemption	$776,017 (+5.99%)	$828,090 (+0.3%) Land $300,000 Building $528,090
2024	$12,065.00 (+2.3%)
2023	$11,794.00 (+0.65%) Homeowner's exemption	$732,182 (+3%)	$825,629 (+10.98%) Land $285,000 Building $540,629
2022	$11,718.00 Homeowner's exemption	$710,856	$743,946 Land $258,851 Building $485,095

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

Flood

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 minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	8 (1999–2013)
Claims Outside the SFHA	8 of 8
Most Recent Claim	May 2013 · other causes
Claims by Event	Hurricane Wilma, Oct 2005 · 3 claims Hurricane Irene, Oct 1999 · 2 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

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	PALM BEACH COUNTY WATER UTILITIES serves 671,114 people · EPA ID FL4504393
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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