5540 American Cir, Delray Beach, FL 33484 Property Records

Palm Beach County property record for 5540 American Cir, Delray Beach, FL 33484

Property Summary

Property Type	Zero Lot Line
Details	4 bd · 3 ba · 2,136 sqft · built 2005
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Feb 2024)
Tax Bill	$8,081 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00-42-46-14-27-000-0020`

Property Details

APN / Parcel Number

Primary APN	`00-42-46-14-27-000-0020`

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
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Wood Truss
Roof Material	Tile
Lot Area	4,500 sqft (0.103 acres)
Garage Area	488 sqft
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5540 AMERICAN CIR
City	DELRAY BEACH
State	FL
Zip	33484-8502
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Zero Lot Line
Local Zoning Code	PUD
Legal Description	PINEWOOD COVE LT 2
Legal Range	42E
Legal Township	46S
Legal Section	14
Legal Subdivision	PINEWOOD COVE
Legal Lot Number	2
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	1
Census Block	1002
Census Tract	5936

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5540 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Sep 28, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IBM SOUTHEAST EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Apr 14, 2006 · Amount on Record
Deed Document Number	20240064261
Deed Book / Page	34849 / 1945
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Feb 27, 2024
Property Address	5540 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Document Number	0348491945
Book / Page	34849 / 1945
Map Reference	MB 99 PG 129
Instrument Date	Feb 20, 2024
Instrument	20240064261
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	RAS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2899 SW 22ND CIR # CIR43A, CIR43A, DELRAY BEACH, FL 33445-7896

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5540 AMERICAN CIR, DELRAY BEACH, FL 33484-8502

Mortgage

Document Number	20240064262
Date	Feb 27, 2024
Instrument	20240064262

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0348491948
Date	Feb 27, 2024
Book Page	34849/1948
Instrument	20240064262

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	5540 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 AMERICAN CIR, WEST DELRAY BEACH, FL 33484-8502

Mortgage

Document Number	0336981162
Date	Jul 13, 2022
Book Page	33698/1162
Instrument	20220295287

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	5540 AMERICAN CIR, DELRAY BEACH, FL 33484-8502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0301521029
Date	Sep 28, 2018
Book Page	30152/1029
Instrument	20180372556

Lender

Name	IBM SOUTHEAST EMPLOYEES FCU
Type	Credit Union
Address	DELRAY BEACH, FL 33445

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 19, 2038

Tax Assessment & Valuation

Source: Palm Beach County assessment roll, as of July 1, 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	$8,081.00 (+105.21%) Homeowner's exemption	$508,867 (+100.7%) Land $163,120 Building $345,747	$508,867 (+5.3%) Land $163,120 Building $345,747
2023	$3,938.00 (+1.1%) Homeowner's exemption	$253,549 (+3%)	$483,238 (+19.36%) Land $141,188 Building $342,050
2022	$3,895.00 Homeowner's exemption	$246,164	$404,874 Land $124,590 Building $280,284

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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