540 River Oak Ln, Deerfield Beach, FL 33441 Property Records

Broward County property record for 540 River Oak Ln, Deerfield Beach, FL 33441

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,760 sqft · built 2023
Lot Size	0.394 acres (17,144 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Apr 2021)
Tax Bill	$55,180 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Jul 2021 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`47-43-31-28-0020`

Property Details

APN / Parcel Number

Primary APN	`47-43-31-28-0020`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,760 sqft Living Area
Gross Area	7,575 sqft
2nd Floor Area	2,501 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	17,144 sqft (0.394 acres)
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool
Pool Area	540 sqft

Location & Zoning

Street Address	540 RIVER OAK LN
City	DEERFIELD BEACH
State	FL
Zip	33441-2162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-5
Legal Description	PENINSULA 171-98 B LOT 2
Legal Range	43E
Legal Township	47S
Legal Section	31
Legal Subdivision	PENINSULA 171-98 B
Legal Lot Number	2
Jurisdiction	BROWARD FL
Township / Civil Division	DEERFIELD BEACH
Census Block Group	1
Census Block	1001
Census Tract	10202

Owner

540 River Oak Ln is owned and occupied by an individual who bought it in April 2021.

Source: Broward County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	540 RIVER OAK LN, DEERFIELD BEACH, FL 33441-2162
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
Jul 29, 2021	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
Jul 29, 2021	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
Apr 8, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2021 · Amount on File
Deed Sale	Apr 8, 2021 · Amount on File
Prior Sale	Nov 27, 2013 · Amount on File
Deed Document Number	2021117183216
Prior Transfer Date	Dec 18, 1998
Prior Transfer Doc	2921000339
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWARD FL
Property Address	540 RIVER OAK LN, DEERFIELD BEACH, FL 33441-2162
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	INTERNATIONAL TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17534 RAINSTREAM RD, BOCA RATON, FL 33496-5607

Mortgage

Document Number	0117461214
Date	Jul 29, 2021
Instrument	117461214

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	7.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWARD FL
Property Address	540 RIVER OAK LN, DEERFIELD BEACH, FL 33441-2162
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	INTERNATIONAL TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17534 RAINSTREAM RD, BOCA RATON, FL 33496-5607

Mortgage

Document Number	0117462368
Date	Jul 29, 2021
Instrument	117462368

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.45%
Index	1-Year LIBOR
Max Rate	7.75%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWARD FL
Recording Date	Apr 8, 2021
Property Address	540 RIVER OAK LN, DEERFIELD BEACH, FL 33441-2162
Document Number	0117183216
Map Reference	MB 171 PG 98&99
Instrument Date	Apr 5, 2021
Instrument	117183216
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7200 CAMINO REAL STE 200, 7200, BOCA RATON, FL 33433-5511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17534 RAINSTREAM RD, BOCA RATON, FL 33496-5607

Tax Assessment & Valuation

The 2025 property tax bill for 540 River Oak Ln was $55,180 with a homeowner's exemption, up 3.6% from the year before.

Source: Broward County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Broward County
Municipality	Deerfield Beach City
Unified School District	Broward County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,762,740 (+1.29%) Land $308,590 Building $2,454,150	$2,762,740 (-0.01%) Land $308,590 Building $2,454,150
2025	$55,180.00 (+3.58%) Homeowner's exemption	$2,727,630	$2,762,960 Land $308,590 Building $2,454,370
2024	$53,273.00 (+597.02%)
2023	$7,643.00 (+20.8%)	$428,600 (+38.89%) Land $428,600	$428,600 (+38.89%) Land $428,600
2022	$6,327.00	$308,590 Land $308,590	$308,590 Land $308,590

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

Flood

FEMA maps place 540 River Oak Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 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	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 96 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	2 (2003–2009)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2009 · rainfall accumulation

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 540 River Oak Ln 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 97% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DEERFIELD BEACH serves 62,000 people · EPA ID FL4060254
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

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 181 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications, Verizon.

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