4528 Highgate Dr, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 4528 Highgate Dr, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,039 sqft · built 2005
Lot Size	0.121 acres (5,249 sqft)
Owner	2 Trust Names on File
Last Sale	$477,500 (Feb 2021)
Tax Bill	$11,192 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-42-46-12-22-001-0950`

Property Details

APN / Parcel Number

Primary APN	`12-42-46-12-22-001-0950`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,039 sqft Living Area
Gross Area	3,996 sqft
1st Floor Area	1,599 sqft
Upper Floors Area	1,440 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Wood Truss
Roof Material	Concrete
Lot Area	5,249 sqft (0.121 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished Screened Porch
Porch Area	668 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4528 HIGHGATE DR
City	DELRAY BEACH
State	FL
Zip	33445-3558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	BEXLEY PARK LT 95 BLK 1
Legal Range	42E
Legal Township	46S
Legal Section	12
Legal Subdivision	BEXLEY PARK
Legal Block	1
Legal Lot Number	95
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	3
Census Block	3012
Census Tract	6604

Owner

4528 Highgate Dr is owner-occupied and held in a trust since November 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	4528 HIGHGATE DR, DELRAY BEACH, FL 33445-3558
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Feb 11, 2015 · Amount on File
Deed Document Number	202146834
Deed Book / Page	32150 / 1374
Last Transfer Date	Nov 22, 2024
Transfer Doc	0354781885
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Feb 1, 2021
Property Address	4528 HIGHGATE DR, DELRAY BEACH, FL 33445-3558
Document Number	0321501374
Book / Page	32150 / 1374
Map Reference	MB 102 PG 48-56
Instrument Date	Jan 27, 2021
Instrument	20210046834
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,342.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 HLGHGATE DRIVE, DELRAY BEACH, FL 33445-3558
Investor	Possibly a Property Investor

Mortgage

Document Number	0321501379
Date	Feb 1, 2021
Instrument	32150/1379

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4528 Highgate Dr was $11,192, up 11% 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	$11,192.00 (+11.04%)	$584,714	$584,714 Land $140,848 Building $443,866
2024	$10,079.00 (-4.89%)
2023	$10,597.00 (+11.55%) Homeowner's exemption	$585,039 (+23.34%) Land $128,043 Building $456,996	$585,039 (+23.34%) Land $128,043 Building $456,996
2022	$9,500.00	$474,331 Land $144,835 Building $329,496	$474,331 Land $144,835 Building $329,496

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

Flood

FEMA maps place 4528 Highgate Dr in Zone X, an area of minimal flood risk.

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 28 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	28 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 4528 Highgate 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 98% of the US · lower than 97.6% 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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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