640 Oak St, Boynton Beach, FL 33435 Property Records

Palm Beach County property record for 640 Oak St, Boynton Beach, FL 33435

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 765 sqft · built 1954
Lot Size	0.152 acres (6,608 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Sep 2021)
Tax Bill	$6,644 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`08-43-45-15-06-002-0080`

Property Details

APN / Parcel Number

Primary APN	`08-43-45-15-06-002-0080`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	765 sqft Living Area
Gross Area	830 sqft
1st Floor Area	765 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1965
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,608 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Porch	Finished/Open Porch
Porch Area	130 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	640 OAK ST
City	BOYNTON BEACH
State	FL
Zip	33435-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	W S SHEPARDS SUB LTS 8 & 9 BLK 2
Legal Range	43E
Legal Township	45S
Legal Section	15
Legal Subdivision	SHEPARDS SUB
Legal Block	2
Legal Lot Number	8,9
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	4
Census Block	4006
Census Tract	5702

Owner

Source: Palm Beach County records, as of July 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	640 OAK ST, BOYNTON BEACH, FL 33435-2807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Jul 13, 2005 · Amount on Record
Deed Document Number	2021451858
Deed Book / Page	32916 / 1293
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 30, 2021
Property Address	640 OAK ST, BOYNTON BEACH, FL 33435-2807
Document Number	0329161293
Book / Page	32916 / 1293
Map Reference	MB 8 PG 8
Instrument Date	Sep 27, 2021
Instrument	20210451858
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3621 PARK AVE, 3621, FAIRFIELD, CT 06825-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 OAK ST, BOYNTON BEACH, FL 33435-2807

Mortgage

Document Number	0329161295
Date	Sep 30, 2021
Book Page	32916/1295
Instrument	20210451859

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Boynton Beach City
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	$6,644.00 (+3.02%)	$314,622 (-3.57%)	$314,622 (-3.57%) Land $241,080 Building $73,542
2024	$6,449.00 (-1.68%)
2023	$6,559.00 (+10.33%)	$326,253 (+19.43%) Land $235,705 Building $90,548	$326,253 (+19.43%) Land $235,705 Building $90,548
2022	$5,945.00	$273,182 Land $198,405 Building $74,777	$273,182 Land $198,405 Building $74,777

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 252 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	415 units insured incl. 163 condo units
Nearby Flood Claims	59 (1979–2017)
Claims Outside the SFHA	10 of 59
Most Recent Claim	Oct 2017 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 10 claims Hurricane Irene, Oct 1999 · 10 claims Tropical Storm Mitch, Nov 1998 · 5 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 99.1% of the US · lower than 98.7% 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	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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Hotwire Communications, Verizon.

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