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

Palm Beach County property record for 531 S N St, Lake Worth, FL 33460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,341 sqft · built 1958
Lot Size	0.144 acres (6,255 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Jun 2019)
Tax Bill	$5,613 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`38-43-44-27-01-001-0020`

Property Details

APN / Parcel Number

Primary APN	`38-43-44-27-01-001-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,341 sqft Living Area
Gross Area	1,583 sqft
1st Floor Area	1,341 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1985
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,255 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	242 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	531 S N ST
City	LAKE WORTH BEACH
State	FL
Zip	33460-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	ADD 1 TO TOWN OF LAKE WORTH LT 2 BLK 1
Legal Range	43E
Legal Township	44S
Legal Section	27
Legal Subdivision	TO TOWN OF LAKE WORTH
Legal Block	1
Legal Lot Number	2
Jurisdiction	PALM BEACH FL
Township / Civil Division	LAKE WORTH
Census Block Group	2
Census Block	2034
Census Tract	5202

Owner

531 S N St is owned and occupied by an individual who bought it in June 2019.

Source: Palm Beach County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	531 S N ST, LAKE WORTH BEACH, FL 33460-4644
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
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Mar 11, 2013 · Amount on File
Deed Document Number	2019238139
Deed Book / Page	30716 / 1378
Prior Transfer Date	Jul 31, 2012
Prior Transfer Doc	0253590039
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Recording Date	Sep 14, 2026
Property Address	531 S N ST, LAKE WORTH BEACH, FL 33460-4644
Document Number	0000333529
Book / Page	36787 / 976
Instrument Date	Aug 12, 2026
Instrument	2026333529
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 S N ST, LAKE WORTH BEACH, FL 33460-4644

Mortgage

Document Number	0000333529,
Date	Sep 14, 2026
Book Page	36787/976
Instrument	2026333529

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2056

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	531 S N ST, LAKE WORTH, FL 33460-4644
Transaction Type	Mortgage
Record Updated	Mar 15, 2023
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 S N ST, LAKE WORTH, FL 33460-4644

Mortgage

Document Number	0330580299
Date	Nov 17, 2021
Book Page	33058/299
Instrument	20210527086

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	531 S N ST, LAKE WORTH, FL 33460-4644
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0330360598
Date	Nov 8, 2021
Book Page	33036/598
Instrument	20210514908

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Jun 28, 2019
Property Address	531 S N ST, LAKE WORTH, FL 33460-4644
Document Number	0307161378
Book / Page	30716 / 1378
Map Reference	MB 5 PG 6
Instrument Date	Jun 20, 2019
Instrument	20190238139
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PERFORMANCE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1739 22ND AVE N, 1739, LAKE WORTH, FL 33460-6000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 S N ST, LAKE WORTH, FL 33460-4644

Mortgage

Document Number	0307161380
Date	Jun 28, 2019
Instrument	30716/1380

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 531 S N St was $5,613 with a homeowner's exemption.

Source: Palm Beach County assessment roll, as of December 10, 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	$5,613.00 Homeowner's exemption	$275,344	$366,709 Land $171,678 Building $195,031
2023	$5,359.00 (+1.98%) Homeowner's exemption	$259,790 (+3%)	$383,160 (+3.44%) Land $182,600 Building $200,560
2022	$5,255.00 Homeowner's exemption	$252,223	$370,432 Land $206,250 Building $164,182

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

Flood

FEMA maps place 531 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 531 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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