4196 Frances Dr, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 4196 Frances Dr, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,207 sqft · built 1973
Lot Size	0.83 acres (36,155 sqft)
Owner	Owner Name on File
Last Sale	$325,000 (May 2003)
Tax Bill	$5,858 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-42-46-13-05-002-0021`

Property Details

APN / Parcel Number

Primary APN	`00-42-46-13-05-002-0021`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,207 sqft Living Area
Gross Area	5,137 sqft
1st Floor Area	3,207 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	210 ft deep x 172 ft wide
Garage Type	Mixed
Garage Area	320 sqft

Exterior Amenities

Pool Area	90 sqft
Porch	Open Porch
Porch Area	340 sqft
Deck Area	220 sqft
Patio Area	966 sqft
Storage Building	200 sqft
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4196 FRANCES DR
City	DELRAY BEACH
State	FL
Zip	33445-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	KINGSLAND LT 2 (LESS W 10 FT) BLK 2
Legal Range	42E
Legal Township	46S
Legal Section	13
Legal Subdivision	KINGSLAND IN
Legal Block	2
Legal Lot Number	2
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2010
Census Tract	6909

Owner

The current owner of 4196 Frances Dr bought it in May 2003.

Source: Palm Beach County records, as of December 8, 2025

Owner of Record	Owner Name on File
Mailing Address	4196 FRANCES DR, DELRAY BEACH, FL 33445-3215
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2003 · Amount on File
Deed Sale	May 23, 2003 · Amount on File
Prior Sale	Feb 21, 2002
Deed Document Number	20030301406
Deed Book / Page	15268 / 0679
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	4196 FRANCES DR, DELRAY BEACH, FL 33445-3215
Transaction Type	Mortgage
Record Updated	Mar 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 FRANCES DR, DELRAY BEACH, FL 33445-3215

Mortgage

Document Number	0322071105
Date	Feb 18, 2021
Book Page	32207/1105
Instrument	20210075940

Lender

Name	OBSIDIAN FINANCIAL SERVICES INC
Type	Mortgage Company
Address	MELBOURNE, FL 32901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4196 Frances Dr was $5,858 with a homeowner's exemption.

Source: Palm Beach County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
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	$5,858.00 Homeowner's exemption	$372,205	$694,129 Land $280,350 Building $413,779
2023	$5,541.00 (+0.91%) Homeowner's exemption	$351,180 (+3%)	$802,509 (+14.01%) Land $267,000 Building $535,509
2022	$5,491.00 Homeowner's exemption	$340,951	$703,899 Land $261,360 Building $442,539

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4196 Frances Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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 34 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	21 (1979–2014)
Claims Outside the SFHA	18 of 21
Most Recent Claim	Jan 2014 · 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

Wildfire risk around 4196 Frances Dr 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Blue Stream.

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