54 River Dr, Ocean Ridge (Boynton Beach), FL 33435 Property Records

Palm Beach County property record for 54 River Dr, Ocean Ridge, FL 33435

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,546 sqft · built 1954
Lot Size	0.296 acres (12,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Sep 1989)
Tax Bill	$9,841 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Jun 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`46-43-45-22-09-000-0540`

Property Details

APN / Parcel Number

Primary APN	`46-43-45-22-09-000-0540`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,546 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	2,546 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	12,902 sqft (0.296 acres)
Lot Dimensions	118 ft deep x 109 ft wide
View / Lot	Water
Garage Area	528 sqft
Pool Area	86 sqft
Patio Area	1,128 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	54 RIVER DR
City	OCEAN RIDGE
State	FL
Zip	33435-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MC CORMICK MILE LT 54
Legal Range	43E
Legal Township	45S
Legal Section	22
Legal Subdivision	CORMICK MILE
Legal Lot Number	54
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	3
Census Block	3005
Census Tract	5411

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	54 RIVER DR, OCEAN RIDGE, FL 33435-3320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 24, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1989 · Amount on Record
Deed Sale	Sep 1, 1989 · Amount on Record
Deed Document Number	0061841142
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	54 RIVER DR, OCEAN RIDGE, FL 33435-3320
Document Number	0309201953
Instrument Date	Sep 17, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 RIVER DR OCEAN RIDGE FL 334353320, OCEAN RIDGE, FL 33435-3320

Mortgage

Document Number	0309201953
Date	Sep 27, 2019
Book Page	030920/001953
Instrument	358015

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	54 RIVER DR, OCEAN RIDGE, FL 33435-3320
Document Number	0307201883
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 RIVER DR OCEAN RIDGE FL 334353320, OCEAN RIDGE, FL 33435-3320

Mortgage

Document Number	0307201883
Date	Jul 1, 2019
Book Page	030720/001883
Instrument	240796

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.12%

Tax Assessment & Valuation

Source: Palm Beach County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Palm Beach County
Municipality	Ocean Ridge Town
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,841.00 (+5.58%) Homeowner's exemption	$570,876 (+5.99%)	$2,179,299 (+6.05%) Land $2,100,000 Building $79,299
2023	$9,321.00 (+0.49%) Homeowner's exemption	$538,628 (+3%)	$2,055,028 (+53.94%) Land $1,984,086 Building $70,942
2022	$9,276.00 Homeowner's exemption	$522,940	$1,334,924 Land $1,284,800 Building $50,124

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 309 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	508 units insured incl. 199 condo units
Nearby Flood Claims	71 (1979–2025)
Claims Outside the SFHA	3 of 71
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 16 claims Hurricane Frances, Sep 2004 · 12 claims Hurricane Irene, Oct 1999 · 13 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

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

Wildfire Risk	Not rated no burnable land within 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	BOYNTON BEACH PWS serves 112,000 people · EPA ID FL4500145
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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