331 Spruce St, Boynton Beach, FL 33426 Property Records

Palm Beach County property record for 331 Spruce St, Boynton Beach, FL 33426

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,716 sqft · built 2001
Lot Size	0.09 acres (3,916 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Oct 2020)
Tax Bill	$6,911 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-43-45-09-24-000-0650`

Property Details

APN / Parcel Number

Primary APN	`08-43-45-09-24-000-0650`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,716 sqft Living Area
1st Floor Area	756 sqft
Upper Floors Area	960 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Construction Type	Masonry / Concrete Block
Lot Area	3,916 sqft (0.09 acres)
View / Lot	End Unit
Garage Type	Attached
Garage Area	240 sqft
Porch	Finished/Open Porch
Porch Area	139 sqft

Location & Zoning

Street Address	331 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 65
Legal Range	43E
Legal Township	45S
Legal Section	09
Legal Subdivision	CEDAR RIDGE ESTATES
Legal Lot Number	65
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 June 25, 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	331 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Aug 30, 2012 · Amount on Record
Deed Document Number	2020394137
Deed Book / Page	31840 / 482
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	331 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0339030722
Date	Oct 21, 2022
Book Page	33903/722
Instrument	20220422897

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Oct 21, 2020
Property Address	331 SPRUCE ST, BOYNTON BEACH, FL 33426-9359
Document Number	0318400482
Book / Page	31840 / 482
Map Reference	MB 80 PG 28
Instrument Date	Sep 17, 2020
Instrument	20200394137
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	TITLE TRUST SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6218 INDIAN FOREST CIR, 6218, LAKE WORTH, FL 33463-8212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SPRUCE ST, BOYNTON BEACH, FL 33426-9359

Mortgage

Document Number	0031840485
Date	Oct 21, 2020
Instrument	31840/485

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	$6,911.00 (+13.48%)	$322,102 (-5.26%)	$355,000 (+4.41%) Building $355,000
2023	$6,090.00 (+10.97%)	$340,000 (+19.91%) Building $340,000	$340,000 (+19.91%) Building $340,000
2022	$5,488.00	$283,550 Building $283,550	$283,550 Building $283,550

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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