5528 American Cir, Delray Beach, FL 33484 Property Records

Palm Beach County property record for 5528 American Cir, Delray Beach, FL 33484

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,136 sqft · built 2003
Lot Size	0.133 acres (5,785 sqft)
Owner	Trust Name on File
Last Sale	$370,000 (Feb 2017)
Tax Bill	$5,407 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00-42-46-14-27-000-0010`

Property Details

APN / Parcel Number

Primary APN	`00-42-46-14-27-000-0010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,136 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,256 sqft
Upper Floors Area	880 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	5,785 sqft (0.133 acres)
Garage Type	Attached
Garage Area	488 sqft
Porch	Finished/Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5528 AMERICAN CIR
City	DELRAY BEACH
State	FL
Zip	33484-8502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	PINEWOOD COVE LT 1
Legal Range	42E
Legal Township	46S
Legal Section	14
Legal Subdivision	PINEWOOD COVE
Legal Lot Number	1
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	1
Census Block	1002
Census Tract	5936

Owner

5528 American Cir is owner-occupied and held in a trust since June 2022.

Source: Palm Beach County records, as of December 10, 2025

Owner of Record	Trust Name on File
Mailing Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 15, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2017 · Amount on File
Deed Sale	Feb 1, 2017 · Amount on File
Prior Sale	Mar 11, 2004 · Amount on File
Deed Document Number	201736769
Deed Book / Page	28864 / 396
Last Transfer Date	Jun 14, 2022
Transfer Doc	0336371631
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502

Mortgage

Document Number	0346081422
Date	Oct 12, 2023
Book Page	34608/1422
Instrument	20230349550

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PALM BEACH FL
Recording Date	Jun 15, 2022
Property Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Document Number	0336371631
Book / Page	33637 / 1631
Map Reference	MB 99 PG 129
Instrument Date	Jun 14, 2022
Instrument	20220257335
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5528 AMERICAN CIR, 5528, DELRAY BEACH, FL 33484-8502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502

Mortgage

Document Number	0326620058
Date	Jul 7, 2021
Book Page	32662/58
Instrument	20210315352

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Feb 1, 2017
Property Address	5528 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Document Number	0288640396
Book / Page	28864 / 0396
Map Reference	MB99 PG129
Instrument Date	Jan 27, 2017
Instrument	20170036769
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	CLEAR LAKE TITLE SERVICES IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2744 DEVON CT, 2744, DELRAY BEACH, FL 33445-7113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 AMERICAN CIRCLE, DELRAY BEACH, FL 33484

Mortgage

Document Number	20170036770
Date	Feb 1, 2017
Instrument	20170036770

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5528 American Cir was $5,407 with a homeowner's exemption, up 3.2% from the year before.

Source: Palm Beach County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Palm Beach County
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,407.00 (+3.17%) Homeowner's exemption	$344,446	$488,722 Land $164,806 Building $323,916
2024	$5,241.00 (+2.54%)
2023	$5,111.00 (+0.95%) Homeowner's exemption	$324,989 (+3%)	$463,287 (+19.13%) Land $142,647 Building $320,640
2022	$5,063.00 Homeowner's exemption	$315,523	$388,908 Land $125,878 Building $263,030

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

Flood

FEMA maps place 5528 American Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1981.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 56 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	7 (1981–2014)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Jan 2014 · other causes

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

The area around 5528 American Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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	PALM BEACH COUNTY WATER UTILITIES serves 671,114 people · EPA ID FL4504393
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 195 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Breezeline, Verizon.

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