522 S N St, Lake Worth, FL 33460 Property Records

Palm Beach County property record for 522 S N St, Lake Worth, FL 33460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,034 sqft · built 1925
Lot Size	0.155 acres (6,756 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Dec 2023)
Tax Bill	$5,356 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`38-43-44-27-01-002-0040`

Property Details

APN / Parcel Number

Primary APN	`38-43-44-27-01-002-0040`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,034 sqft Living Area
Gross Area	1,474 sqft
1st Floor Area	1,034 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2004
Exterior Material	Asbestos
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,756 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Porch	Porch
Porch Area	154 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	522 S N ST
City	LAKE WORTH
State	FL
Zip	33460-4645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	ADD 1 TO TOWN OF LAKE WORTH LT 4 BLK 2
Legal Range	43E
Legal Township	44S
Legal Section	27
Legal Subdivision	ADD 1 TOWN OF LAKE WORTH
Legal Block	2
Legal Lot Number	4
Jurisdiction	PALM BEACH FL
Township / Civil Division	LAKE WORTH
Census Block Group	2
Census Block	2035
Census Tract	5202

Owner

522 S N St is owned and occupied by an individual who bought it in December 2023.

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	522 S N ST, LAKE WORTH BEACH, FL 33460-4645
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
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 11, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Mar 27, 2014 · Amount on File
Deed Document Number	20230412762
Deed Book / Page	34706 / 438
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Dec 6, 2023
Property Address	522 S N ST, LAKE WORTH, FL 33460-4645
Document Number	0347060438
Book / Page	34706 / 438
Map Reference	MB 5 PG 6
Instrument Date	Oct 31, 2023
Instrument	20230412762
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	BROWNSTONE TITLE SERVICES, BROWNSTONE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 JOHN SCOTT RD, PINNACLE, NC 27043-9496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S N ST, LAKE WORTH BEACH, FL 33460-4645

Mortgage

Document Number	0034706440
Date	Dec 6, 2023
Instrument	34706/440

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	522 S N ST, LAKE WORTH, FL 33460-4645
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S N ST, LAKE WORTH, FL 33460-4645

Mortgage

Document Number	0336870916
Date	Jul 8, 2022
Book Page	33687/916
Instrument	20220288386

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Jul 1, 2044

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	522 S N ST, LAKE WORTH, FL 33460-4645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0312851736
Date	Mar 11, 2020
Book Page	31285/1736
Instrument	20200093547

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 9, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 522 S N St was $5,356 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
Municipality	Lake Worth 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	$5,356.00 Homeowner's exemption	$263,315	$350,957 Land $173,678 Building $177,279
2023	$3,199.00 (+2.5%) Homeowner's exemption	$162,851 (+3%)	$342,718 (-3.03%) Land $186,600 Building $156,118
2022	$3,121.00 Homeowner's exemption	$158,108	$353,421 Land $222,750 Building $130,671

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 522 S N St in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 31 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 units insured incl. 11 condo units
Nearby Flood Claims	19 (1979–2017)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Oct 2017 · Hurricane Irma

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 522 S N St 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	LAKE WORTH BEACH UTILITIES serves 48,000 people · EPA ID FL4500773
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2023
Lead	1 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 426 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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