3523 Lone Pine Rd, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 3523 Lone Pine Rd, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,765 sqft · built 1959
Lot Size	1 acres (43,577 sqft)
Owner	Individual Name on File
Last Sale	$1,475,000 (Jan 2026)
Tax Bill	$12,376 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-43-46-07-00-000-3030`

Property Details

APN / Parcel Number

Primary APN	`12-43-46-07-00-000-3030`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,765 sqft Living Area
Gross Area	5,622 sqft
1st Floor Area	3,765 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	43,577 sqft (1 acres)
Lot Dimensions	241 ft deep x 181 ft wide
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft

Exterior Amenities

Pool Area	93 sqft
Porch	Enclosed/Finished Porch
Porch Area	1,212 sqft
Patio Area	1,051 sqft
Storage Building	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3523 LONE PINE RD
City	DELRAY BEACH
State	FL
Zip	33445-7655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	7-46-43~ N 355.77 FT OF W 181 FT OF E 221 FT OF NW 1/4 /LESS N 115 FT LWDD LATERAL CNL 30 R/W/
Legal Range	43E
Legal Township	46S
Legal Section	07
Legal Subdivision	ACREAGE & UNREC
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2001
Census Tract	6607

Owner

3523 Lone Pine Rd is owned and occupied by an individual who bought it in January 2026.

Source: Palm Beach County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Nov 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage NEWTEK SMALL FINANCE LLC
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit NEWTEK SMALL BUSINESS FINANCE LLC
May 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage NEWTEK SMALL BUSINESS FINANCE LLC
Jan 7, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Jun 22, 2018 · Amount on File
Deed Document Number	20265924
Deed Book / Page	36236 / 862
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339650744
Date	Nov 21, 2022
Book Page	33965/744
Instrument	20220461719

Lender

Name	NEWTEK SMALL FINANCE LLC
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 1, 2032

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339181391
Date	Oct 28, 2022
Book Page	33918/1391
Instrument	20220432956

Lender

Name	NEWTEK SMALL BUSINESS FINANCE LLC
Type	Non-Lending Institution
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 1, 2047

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0343241930
Date	May 24, 2023
Book Page	34324/1930
Instrument	20230175637

Lender

Name	NEWTEK SMALL BUSINESS FINANCE LLC
Type	Non-Lending Institution
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	292 Months
Due	Sep 1, 2047

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Jan 7, 2026
Property Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Document Number	0362360862
Book / Page	36236 / 862
Instrument Date	Jan 2, 2026
Instrument	20260005924
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13863 S MILITARY TRL, DELRAY BEACH, FL 33484-1725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655

Mortgage

Document Number	0036236864
Date	Jan 7, 2026
Instrument	36236/864

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.75%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Jun 22, 2018
Property Address	3523 LONE PINE RD, DELRAY BEACH, FL 33445-7655
Document Number	0299431241
Book / Page	29943 / 1241
Instrument Date	Jun 7, 2018
Instrument	20180243960
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PERFORMANCE TITLE AND ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9731 BAY COLONY DR, 9731, RIVERVIEW, FL 33578-8374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 WATER ST, BOONVILLE, NY 13309-1327

Mortgage

Document Number	20180243961
Date	Jun 22, 2018
Instrument	20180243961

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3523 Lone Pine Rd was $12,376 with a homeowner's exemption, up 6.8% from the year before.

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	$12,376.00 (+6.76%) Homeowner's exemption	$661,712	$979,030 Land $552,740 Building $426,290
2024	$11,592.00 (-0.51%)
2023	$11,652.00 (+3.38%) Homeowner's exemption	$624,333 (+3%)	$773,080 (+7.12%) Land $354,516 Building $418,564
2022	$11,271.00 Homeowner's exemption	$606,149	$721,663 Land $346,500 Building $375,163

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 3523 Lone Pine Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	66 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

Wildfire risk around 3523 Lone Pine Rd is low, with less than a 0.01% annual chance of 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	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 400 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	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Hotwire Communications.

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