321 Spruce St, Boynton Beach, FL 33426 Property Records

Palm Beach County property record for 321 Spruce St, Boynton Beach, FL 33426

Property Summary

Property Type	Townhouse
Details	4 bd · 3.5 ba · 1,920 sqft · built 2001
Lot Size	0.057 acres (2,496 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Jan 2014)
Tax Bill	$6,727 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-43-45-09-24-000-0610`

Property Details

APN / Parcel Number

Primary APN	`08-43-45-09-24-000-0610`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,920 sqft Living Area
1st Floor Area	852 sqft
Upper Floors Area	1,068 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Construction Type	Masonry / Concrete Block
Lot Area	2,496 sqft (0.057 acres)
Garage Type	Attached
Garage Area	240 sqft
Porch	Finished/Open Porch
Porch Area	126 sqft

Location & Zoning

Street Address	321 SPRUCE ST
City	BOYNTON BEACH
State	FL
Zip	33426-9359
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	CEDAR RIDGE ESTATES LT 61
Legal Range	43E
Legal Township	45S
Legal Section	09
Legal Subdivision	CEDAR RIDGE ESTATES
Legal Lot Number	61
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2004
Census Tract	5821

Owner

Source: Palm Beach County records, as of May 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage RESICENTRAL LLC
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 29, 2022	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Nov 15, 2021	Gift Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2014 · Amount on Record
Deed Sale	Jan 6, 2014 · Amount on Record
Prior Sale	Sep 10, 2013 · Amount on Record
Deed Document Number	20144646
Deed Book / Page	26543 / 1131
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0363900796
Date	Mar 20, 2026
Book Page	36390/796
Instrument	20260099696

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Transaction Type	Mortgage
Record Updated	Nov 14, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0346370755
Date	Oct 27, 2023
Book Page	34637/755
Instrument	20230368808

Lender

Name	RESICENTRAL LLC
Type	Non-Lending Institution
Address	PHOENIX, AZ 85040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0340141631
Date	Dec 14, 2022
Book Page	34014/1631
Instrument	20220492380

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0338610795
Date	Sep 29, 2022
Book Page	33861/795
Instrument	20220395834

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	PALM BEACH FL
Recording Date	Nov 15, 2021
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Document Number	0330511509
Book / Page	33051 / 1509
Map Reference	MB 80 PG 28-32
Instrument Date	Nov 5, 2021
Instrument	20210523418
Transaction Type	Transfer
Record Updated	Dec 3, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0330511513
Date	Nov 15, 2021
Book Page	33051/1513
Instrument	20210523420

Lender

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

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	321 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Document Number	0307651545
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 SPRUCE ST BOYNTON BEACH FL 334269359, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0307651545
Date	Jul 22, 2019
Book Page	030765/001545
Instrument	267907

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Boynton Beach 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	$6,727.00 (-0.01%) Homeowner's exemption	$365,000 (+5.8%)	$365,000 (+5.8%) Building $365,000
2024	$6,728.00 (+7.54%)
2023	$6,256.00 (+10.1%)	$345,000 (+17.25%) Building $345,000	$345,000 (+17.25%) Building $345,000
2022	$5,682.00	$294,250 Building $294,250	$294,250 Building $294,250

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2020 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Blue Stream, Breezeline.

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