4516 Frances Dr, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 4516 Frances Dr, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,503 sqft · built 1963
Lot Size	0.232 acres (10,119 sqft)
Owner	Individual Name on File
Last Sale	$317,500 (Mar 2020)
Tax Bill	$5,120 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00-42-46-13-06-004-0010`

Property Details

APN / Parcel Number

Primary APN	`00-42-46-13-06-004-0010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,503 sqft Living Area
Gross Area	1,823 sqft
1st Floor Area	1,503 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,119 sqft (0.232 acres)
Lot Dimensions	90 ft deep x 112 ft wide
Garage Area	320 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4516 FRANCES DR
City	DELRAY BEACH
State	FL
Zip	33445-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	KINGSLAND PINES LT 1 BLK 4
Legal Range	42E
Legal Township	46S
Legal Section	13
Legal Subdivision	KINGSLAND PINES
Legal Block	4
Legal Lot Number	1
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	1
Census Block	1013
Census Tract	6909

Owner

4516 Frances Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 16, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 7, 2017	Warranty Deed, Transfer PALM TITLE SERVICES INC, PALM TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2020 · Amount on File
Deed Sale	Mar 16, 2020 · Amount on File
Prior Sale	Jun 7, 2017 · Amount on File
Deed Document Number	20200098945
Deed Book / Page	31294 / 1924
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255

Mortgage

Document Number	0327940857
Date	Aug 18, 2021
Book Page	32794/857
Instrument	20210386597

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Mar 16, 2020
Property Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255
Document Number	0312941924
Book / Page	31294 / 1924
Map Reference	MB 25 PG 2
Instrument Date	Mar 10, 2020
Instrument	20200098945
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FLORIDA DIRECT TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,222.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9283 GRAND PRIX LN, 9283, BOYNTON BEACH, FL 33472-2782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255

Mortgage

Document Number	0312941927
Date	Mar 16, 2020
Instrument	31294/1927

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Jun 7, 2017
Property Address	4516 FRANCES DR, DELRAY BEACH, FL 33445-3255
Document Number	0291381439
Book / Page	029138 / 001439
Instrument Date	Jun 5, 2017
Instrument	204242
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	PALM TITLE SERVICES INC, PALM TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$1,890.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4516 FRANCES DR DELRAY BEACH FL 334453255, DELRAY BEACH, FL 33445-3255

Tax Assessment & Valuation

The 2025 property tax bill for 4516 Frances Dr was $5,120 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	$5,120.00 Homeowner's exemption	$326,801	$418,170 Land $197,310 Building $220,860
2023	$4,837.00 (+0.96%) Homeowner's exemption	$308,341 (+3%)	$433,991 (+15.11%) Land $138,400 Building $295,591
2022	$4,791.00 Homeowner's exemption	$299,360	$377,009 Land $125,840 Building $251,169

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

Flood

FEMA maps place 4516 Frances Dr in Zone X, an area of minimal flood risk, though there have been 12 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 45 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	12 (1979–2014)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Jan 2014 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 4516 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 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

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