435 Cactus Cir, Boca Raton, FL 33487 Property Records

Palm Beach County property record for 435 Cactus Cir, Boca Raton, FL 33487

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,657 sqft · built 1989
Lot Size	0.291 acres (12,667 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2021)
Tax Bill	$9,308 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-43-46-32-39-022-0180`

Property Details

APN / Parcel Number

Primary APN	`06-43-46-32-39-022-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,657 sqft Living Area
Gross Area	2,278 sqft
1st Floor Area	1,657 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,667 sqft (0.291 acres)
Lot Dimensions	253 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Pool Area	78 sqft
Porch	Finished/Open Porch
Porch Area	180 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	435 CACTUS CIR
City	BOCA RATON
State	FL
Zip	33487-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-D
Legal Description	HIDDEN VALLEY SEC 3 LT 18 BLK 22
Legal Range	43E
Legal Township	46S
Legal Section	32
Legal Subdivision	HIDDEN VALLEY
Legal Block	22
Legal Lot Number	18
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOCA RATON
Census Block Group	1
Census Block	1010
Census Tract	7206

Owner

435 Cactus Cir is owned and occupied by two individuals who bought it in September 2021.

Source: Palm Beach County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2650 WEBB AVE, DELRAY BEACH, FL 33444-4362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 22, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on File
Deed Sale	Sep 3, 2021 · Amount on File
Prior Sale	Apr 19, 2010 · Amount on File
Deed Document Number	2021412343
Deed Book / Page	32843 / 1275
Prior Transfer Date	Aug 27, 2021
Prior Transfer Doc	0328431275
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	435 CACTUS CIR, BOCA RATON, FL 33487-1415
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0296660853
Date	Feb 22, 2018
Book Page	29666/0853
Instrument	20180068351

Lender

Name	PNC BANK NA
Type	Bank
Address	BOCA RATON, FL 33431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	478 Months
Due	Dec 20, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	435 CACTUS CIR, BOCA RATON, FL 33487-1415
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0297611549
Date	Apr 5, 2018
Book Page	29761/1549
Instrument	20180128726

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2033

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 3, 2021
Property Address	435 CACTUS CIR, BOCA RATON, FL 33487-1415
Document Number	0328431275
Book / Page	32843 / 1275
Map Reference	MB 25 PG 117&118
Instrument Date	Aug 27, 2021
Instrument	20210412343
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	TITLE BROTHERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 CACTUS CIR, 435, BOCA RATON, FL 33487-1415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2650 WEBB AVE, DELRAY BEACH, FL 33444-4362

Mortgage

Document Number	0328431277
Date	Sep 3, 2021
Instrument	32843/1277

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 435 Cactus Cir was $9,308 with a homeowner's exemption, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Boca Raton 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	$9,308.00 (+3.01%) Homeowner's exemption	$564,447	$620,538 Land $338,800 Building $281,738
2024	$9,036.00 (+2.29%)
2023	$8,834.00 (+0.93%) Homeowner's exemption	$532,562 (+3%)	$611,640 (+15.38%) Land $280,000 Building $331,640
2022	$8,753.00 Homeowner's exemption	$517,050	$530,129 Land $245,630 Building $284,499

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

Flood

FEMA maps place 435 Cactus Cir in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 263 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	263 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 435 Cactus Cir 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	BOCA RATON WTP serves 130,000 people · EPA ID FL4500130
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 416 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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