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445 Old School Rd, Gulf Stream (Delray Beach), FL 33483 Property Records

Palm Beach County property record for 445 Old School Rd, Gulf Stream, FL 33483

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 4,045 sqft · built 1987
Lot Size0.514 acres (22,420 sqft)
OwnerCompany Name on Record
Last Sale$650,000 (Dec 1993)
Tax Bill$61,482 (2025)
Deeds & MortgagesOct 2021 Reverse Mortgage
Flood ZoneZone AE (high risk)
APN20-43-46-03-13-000-0040

Property Details

APN / Parcel Number

Primary APN20-43-46-03-13-000-0040

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area4,045 sqft Living Area
Gross Area4,997 sqft
1st Floor Area4,045 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1995
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeWood Truss
Roof MaterialTile
Lot Area22,420 sqft (0.514 acres)
Lot Dimensions160 ft deep x 140 ft wide
View / LotGolf Course
Garage Area650 sqft

Exterior Amenities

Pool Area83 sqft
PorchOpen Porch
Porch Area302 sqft
Patio Area303 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address445 OLD SCHOOL RD
CityGULF STREAM
StateFL
Zip33483-7415
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-C
Legal DescriptionH V POPE SUB LOT 4
Legal Range43E
Legal Township46S
Legal Section03
Legal SubdivisionH V POPE SUB AS IN
Legal Lot Number4
JurisdictionPALM BEACH FL
Township / Civil DivisionBOYNTON BEACH-DELRAY BEACH
Census Block Group1
Census Block1010
Census Tract5411

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address445 OLD SCHOOL RD, DELRAY BEACH, FL 33483-7415
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 1, 1993 · Amount on Record
Deed SaleDec 1, 1993 · Amount on Record
Deed Document Number0800301217
Deed Book / Page08003 / 01217
Record UpdatedJun 8, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPALM BEACH FL
Property Address445 OLD SCHOOL RD, GULF STREAM, FL 33483-7415
Transaction TypeMortgage
Record UpdatedOct 27, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 OLD SCHOOL RD, DELRAY BEACH, FL 33483-7415

Mortgage

Document Number0329231298
DateOct 4, 2021
Book Page32923/1298
Instrument20210455444
Lender
NameSUN WEST MORTGAGE COMPANY INC
TypeMortgage Company
AddressBUENA PARK, CA 90620
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term865 Months
DueNov 10, 2093
Interest
Rate TypeAdjustable Rate
Rate2.07%
Type Change DateNov 1, 2021
Change FrequencyMonthly
Index1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPalm Beach County
MunicipalityGulf Stream Town
Unified School DistrictPalm Beach County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$61,482.00 (+261.23%)$3,845,998 (+252.16%) Land $3,409,236 Building $436,762$3,845,998 (-1.26%) Land $3,409,236 Building $436,762
2023$17,020.00 (+0.22%) Homeowner's exemption Widower's exemption$1,092,116 (+3%)$3,895,224 (+33.81%) Land $3,409,282 Building $485,942
2022$16,982.00 Homeowner's exemption Widower's exemption$1,060,307$2,911,081 Land $2,582,846 Building $328,235

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 255 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies648 units insured
incl. 393 condo units
Nearby Flood Claims59 (1978–2020)
Claims Outside the SFHA36 of 59
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 8 claims
  • Hurricane Frances, Sep 2004 · 6 claims
  • Hurricane Irene, Oct 1999 · 13 claims

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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Blue Stream.

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