4540 Oak Tree Ct, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 4540 Oak Tree Ct, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,316 sqft · built 1979
Lot Size	0.402 acres (17,524 sqft)
Owner	Individual Name on File
Last Sale	$570,500 (Mar 2017)
Tax Bill	$17,176 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-42-46-24-06-000-0190`

Property Details

APN / Parcel Number

Primary APN	`12-42-46-24-06-000-0190`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,316 sqft Living Area
Gross Area	4,480 sqft
1st Floor Area	3,316 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	17,524 sqft (0.402 acres)
Lot Dimensions	155 ft deep x 113 ft wide
Garage Area	636 sqft

Exterior Amenities

Pool Area	114 sqft
Porch	Open Porch
Porch Area	528 sqft
Patio Area	1,869 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4540 OAK TREE CT
City	DELRAY BEACH
State	FL
Zip	33445-4332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-A
Legal Description	BOUGAINVILLA LT 19
Legal Range	42E
Legal Township	46S
Legal Section	24
Legal Subdivision	BOUGAINVILLA
Legal Lot Number	19
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2008
Census Tract	6907

Owner

4540 Oak Tree Ct is owned by an individual who bought it in March 2017.

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	620 HICKORY LN, BERWYN, PA 19312-1437
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2017 · Amount on File
Deed Sale	Mar 20, 2017 · Amount on File
Deed Document Number	20170096125
Deed Book / Page	28959 / 1062
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Mar 20, 2017
Property Address	4540 OAK TREE CT, DELRAY BEACH, FL 33445-4332
Document Number	0289591062
Book / Page	28959 / 1062
Map Reference	MB32 PG56&57
Instrument Date	Mar 15, 2017
Instrument	20170096125
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PRINCETON TITLE & ESCROW LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,993.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	354 ATLANTIC AVE, 354, MARBLEHEAD, MA 01945-2732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 CASCADES CT, BERWYN, PA 19312-1980

Mortgage

Document Number	20170096126
Date	Mar 20, 2017
Instrument	20170096126

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4540 Oak Tree Ct was $17,176.

Source: Palm Beach County assessment roll, as of July 1, 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	$17,176.00	$944,193 Land $466,428 Building $477,765	$944,193 Land $466,428 Building $477,765
2023	$16,475.00 (+20.65%)	$1,121,965 (+43.83%) Land $480,158 Building $641,807	$1,121,965 (+43.83%) Land $480,158 Building $641,807
2022	$13,655.00	$780,090 Land $346,060 Building $434,030	$780,090 Land $346,060 Building $434,030

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

Flood

FEMA maps place 4540 Oak Tree Ct in Zone X, an area of minimal flood risk, though there have been 5 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 99 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	5 (1979–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jan 2014 · other causes

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 4540 Oak Tree Ct is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 213 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	100 / 20