2428 NW 40th Cir, Boca Raton, FL 33431 Property Records

Palm Beach County property record for 2428 NW 40th Cir, Boca Raton, FL 33431

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,697 sqft · built 1982
Lot Size	0.293 acres (12,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Oct 2012)
Tax Bill	$8,717 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-42-47-11-04-000-0090`

Property Details

APN / Parcel Number

Primary APN	`06-42-47-11-04-000-0090`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,697 sqft Living Area
Gross Area	3,539 sqft
1st Floor Area	2,697 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,746 sqft (0.293 acres)
Lot Dimensions	101 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Pool Area	95 sqft
Porch	Finished/Open Porch
Porch Area	366 sqft
Patio Area	588 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2428 NW 40TH CIR
City	BOCA RATON
State	FL
Zip	33431-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-D
Legal Description	MILLPOND NORTH LOT 9
Legal Range	42E
Legal Township	47S
Legal Section	11
Legal Subdivision	MILLPOND NORTH
Legal Lot Number	9
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOCA RATON
Census Block Group	2
Census Block	2003
Census Tract	7008

Owner

Source: Palm Beach County records, as of June 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Jul 18, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2012 · Amount on Record
Deed Sale	Oct 16, 2012 · Amount on Record
Prior Sale	Aug 10, 2000 · Amount on Record
Deed Document Number	2012412354
Deed Book / Page	25529 / 787
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Recording Date	May 22, 2026
Property Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416
Document Number	0365390089
Book / Page	36539 / 89
Instrument Date	May 14, 2026
Instrument	2026187172
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416

Mortgage

Document Number	0000187172,
Date	May 22, 2026
Book Page	36539/89
Instrument	2026187172

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0299971682
Date	Jul 18, 2018
Book Page	29997/1682
Instrument	20180277659

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416

Mortgage

Document Number	0317431308
Date	Sep 15, 2020
Book Page	31743/1308
Instrument	20200341375

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	2428 NW 40TH CIR, BOCA RATON, FL 33431-5416
Document Number	0306371816
Instrument Date	Apr 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2428 NW 40TH CIR BOCA RATON FL 334315416, BOCA RATON, FL 33431-5416

Mortgage

Document Number	0306371816
Date	May 28, 2019
Book Page	030637/001816
Instrument	191379

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Boca Raton City
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	$8,717.00 (+5.35%) Homeowner's exemption	$529,853 (+5.99%)	$988,014 (+3.37%) Land $430,238 Building $557,776
2023	$8,274.00 (+0.95%) Homeowner's exemption	$499,922 (+3%)	$955,798 (+36.28%) Land $399,231 Building $556,567
2022	$8,196.00 Homeowner's exemption	$485,361	$701,351 Land $277,200 Building $424,151

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 AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	16 (1979–1999)
Claims Outside the SFHA	16 of 16
Most Recent Claim	Oct 1999 · Hurricane Irene
Claims by Event	Hurricane Irene, Oct 1999 · 10 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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	BOCA RATON WTP serves 130,000 people · EPA ID FL4500130
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 356 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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