2987 Cortez Ln, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 2987 Cortez Ln, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,709 sqft · built 1973
Lot Size	0.209 acres (9,095 sqft)
Owner	Company Name on File
Last Sale	$680,000 (Apr 2024)
Tax Bill	$10,945 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-43-46-07-02-014-0180`

Property Details

APN / Parcel Number

Primary APN	`12-43-46-07-02-014-0180`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,709 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	1,709 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2011
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,095 sqft (0.209 acres)
Lot Dimensions	114 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	507 sqft
Pool Area	75 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2987 CORTEZ LN
City	DELRAY BEACH
State	FL
Zip	33445-2380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-AB
Legal Description	DELRAY SHORES 1ST ADD LT 18 BLK 14
Legal Range	43E
Legal Township	46S
Legal Section	07
Legal Subdivision	DELRAY SHORES 1ST ADD
Legal Block	14
Legal Lot Number	18
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	4
Census Block	4012
Census Tract	6607

Owner

2987 Cortez Ln is owned by a company that bought it in April 2024.

Source: Palm Beach County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	5 MAGNOLIA FARMS DR, ASHEVILLE, NC 28806-8857
Owner Type	Company
Vesting	Limited Liability Partnership

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
Apr 12, 2024	Deed of Trust, Mortgage · Line of Credit THE NEILL M TIMMONS EXEMPT TRUST OF THE
Apr 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage LENDINGONE LLC
Sep 29, 2021	Warranty Deed, Transfer · Commercial Mortgage LENDINGONE LLC
Aug 23, 2021	Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2024 · Amount on File
Deed Sale	Apr 12, 2024 · Amount on File
Prior Sale	Sep 29, 2021 · Amount on File
Deed Document Number	2024124378
Deed Book / Page	34947 / 207
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	2987 CORTEZ LN, DELRAY BEACH, FL 33445-2380
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 MAGNOLIA FARMS DR, ASHEVILLE, NC 28806-8857

Mortgage

Document Number	0349470209
Date	Apr 12, 2024
Book Page	34947/209
Instrument	20240124379

Lender

Name	THE NEILL M TIMMONS EXEMPT TRUST OF THE
Type	Private Party
Address	2 W WASHINGTON ST STE 1100, GREENVILLE, SC 29601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	102 Months
Due	Oct 8, 2032

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	2987 CORTEZ LN, DELRAY BEACH, FL 33445-2380
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 SW 23RD CRANBROOK DR, BOYNTON BEACH, FL 33436-5705

Mortgage

Document Number	0335050132
Date	Apr 27, 2022
Book Page	33505/132
Instrument	20220180165

Lender

Name	LENDINGONE LLC
Type	Lending Institution
Address	BOCA RATON, FL 33431

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 29, 2021
Property Address	2987 CORTEZ LN, DELRAY BEACH, FL 33445-2380
Document Number	0329091519
Book / Page	32909 / 1519
Map Reference	MB 28 PG 2
Instrument Date	Sep 21, 2021
Instrument	20210448153
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5327 VENTURA DR, 5327, DELRAY BEACH, FL 33484-8387

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 542533, GREENACRES, FL 33454-2533
Investor	Possibly a Property Investor

Mortgage

Document Number	0329091549
Date	Sep 29, 2021
Instrument	32909/1549

Lender

Name	LENDINGONE LLC
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Oct 1, 2022

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Aug 23, 2021
Property Address	2987 CORTEZ LN, DELRAY BEACH, FL 33445-2380
Document Number	0328041594
Book / Page	32804 / 1594
Map Reference	MB 28 PG 2
Instrument Date	Aug 16, 2021
Instrument	20210391896
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2460 JUNIPER DR APT 201, 2460, DELRAY BEACH, FL 33445-5919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5327 VENTURA DR, DELRAY BEACH, FL 33484-8387
Investor	Possibly a Property Investor

Mortgage

Document Number	0328041596
Date	Aug 23, 2021
Instrument	32804/1596

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2987 Cortez Ln was $10,945.

Source: Palm Beach County assessment roll, as of December 10, 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	$10,945.00	$564,570	$564,570 Land $151,976 Building $412,594
2023	$7,014.00 (+11.46%)	$370,267 (+19.9%) Land $116,495 Building $253,772	$370,267 (+19.9%) Land $116,495 Building $253,772
2022	$6,293.00	$308,809 Land $92,070 Building $216,739	$308,809 Land $92,070 Building $216,739

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2987 Cortez Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force

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

The area around 2987 Cortez Ln 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.

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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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