540 Middle Rd, Gulf Stream (Delray Beach), FL 33483 Property Records

Palm Beach County property record for 540 Middle Rd, Gulf Stream, FL 33483

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,803 sqft · built 1958
Lot Size	0.532 acres (23,191 sqft)
Owner	Company Name on File
Last Sale	$3,750,000 (Dec 2001)
Tax Bill	$87,044 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`20-43-46-03-04-000-0160`

Property Details

APN / Parcel Number

Primary APN	`20-43-46-03-04-000-0160`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,803 sqft Living Area
Gross Area	7,625 sqft
1st Floor Area	4,359 sqft
Upper Floors Area	1,444 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Wood Truss
Roof Material	Tile
Lot Area	23,191 sqft (0.532 acres)
Lot Dimensions	154 ft deep x 150 ft wide
View / Lot	Water
Garage Area	552 sqft

Exterior Amenities

Pool Area	135 sqft
Porch	Open Porch
Porch Area	1,275 sqft
Patio Area	1,215 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Storage Building	133 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	540 MIDDLE RD
City	GULF STREAM
State	FL
Zip	33483-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-C
Legal Description	GOLFSTREAM COVE LT 16 & ABND PT OF MIDDLE RD LYG NW OF & ADJ TO IN OR12567P220 & W 50 FT OF LT 17
Legal Range	43E
Legal Township	46S
Legal Section	03
Legal Subdivision	GULFSTREAM COVE IN
Legal Lot Number	16
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	1
Census Block	1010
Census Tract	5411

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	7700 CONGRESS AVE STE 3100, 3100, BOCA RATON, FL 33487-1356
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 26, 2001 · Amount on Record
Deed Sale	Dec 26, 2001 · Amount on Record
Prior Sale	Apr 25, 2000 · Amount on Record
Deed Document Number	20010575386
Deed Book / Page	13235 / 0959
Record Updated	Jun 8, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PALM BEACH FL
Property Address	540 MIDDLE RD, GULF STREAM, FL 33483-7320
Document Number	0310711437
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	540 MIDDLE RD GULF STREAM FL 334837320, GULF STREAM, FL 33483-7320

Mortgage

Document Number	0310711437
Date	Dec 5, 2019
Book Page	031071/001437
Instrument	445183

Lender

Name	BANK OF AMERICA
Type	Bank
Address	20 GREENWAY PLZ # 900, HOUSTON, TX 77046-2007

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 4, 2034

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	Gulf Stream Town
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$87,044.00 (+5.23%)	$5,489,047 (-10.07%) Land $3,695,590 Building $1,793,457	$5,489,047 (-10.07%) Land $3,695,590 Building $1,793,457
2023	$82,718.00 (+22.85%)	$6,103,761 (+49.75%) Land $4,390,800 Building $1,712,961	$6,103,761 (+49.75%) Land $4,390,800 Building $1,712,961
2022	$67,332.00	$4,075,935 Land $3,326,400 Building $749,535	$4,075,935 Land $3,326,400 Building $749,535

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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 255 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	648 units insured incl. 393 condo units
Nearby Flood Claims	59 (1978–2020)
Claims Outside the SFHA	36 of 59
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Frances, Sep 2004 · 6 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	Low lower than 96% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20