651 Oak St, Boynton Beach, FL 33435 Property Records

Palm Beach County property record for 651 Oak St, Boynton Beach, FL 33435

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 1,171 sqft · built 1958
Lot Size	0.301 acres (13,116 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Feb 2025)
Tax Bill	$8,432 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage May 2020 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`08-43-45-15-06-001-0010`

Property Details

APN / Parcel Number

Primary APN	`08-43-45-15-06-001-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,171 sqft Living Area
Gross Area	1,501 sqft
1st Floor Area	1,171 sqft
Utility Area	132 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Architectural Style	Multi-Family
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,116 sqft (0.301 acres)
Lot Dimensions	131 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	651 OAK ST
City	BOYNTON BEACH
State	FL
Zip	33435-2806
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R3
Legal Description	W S SHEPARDS SUB LTS 1 TO 3 BLK 1
Legal Range	43E
Legal Township	45S
Legal Section	15
Legal Subdivision	SHEPARDS SUB
Legal Block	1
Legal Lot Number	1-3
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	4
Census Block	4001
Census Tract	5702

Owner

651 Oak St, a residential property, is owned and occupied by two individuals who bought it in February 2025.

Source: Palm Beach County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 18, 2025	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
May 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2025 · Amount on File
Deed Sale	Feb 18, 2025 · Amount on File
Prior Sale	May 13, 2020 · Amount on File
Deed Document Number	202556534
Deed Book / Page	35558 / 715
Prior Transfer Date	Sep 25, 2017
Prior Transfer Doc	0293661825
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Feb 18, 2025
Property Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Document Number	0355580715
Book / Page	35558 / 715
Map Reference	MB 8 PG 8
Instrument Date	Jan 31, 2025
Instrument	20250056534
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 MIDLANE RD, OCEAN RIDGE, FL 33435-6218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806

Mortgage

Document Number	0035558717
Date	Feb 18, 2025
Instrument	35558/717

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	May 13, 2020
Property Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Document Number	0314210599
Book / Page	031421 / 000599
Instrument Date	Apr 29, 2020
Instrument	163854
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,079.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8 MIDLANE RD OCEAN RIDGE FL 334356218, OCEAN RIDGE, FL 33435-6218

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	May 13, 2020
Property Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Document Number	0314210595
Book / Page	031421 / 000595
Instrument Date	Apr 29, 2020
Instrument	163852
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8 MIDLANE RD OCEAN RIDGE FL 334356218, OCEAN RIDGE, FL 33435-6218

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	May 13, 2020
Property Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Document Number	0314210597
Book / Page	031421 / 000597
Instrument Date	Apr 29, 2020
Instrument	163853
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8 MIDLANE RD OCEAN RIDGE FL 334356218, OCEAN RIDGE, FL 33435-6218

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 27, 2017
Property Address	651 OAK ST, BOYNTON BEACH, FL 33435-2806
Document Number	0293661825
Book / Page	029366 / 001825
Instrument Date	Sep 25, 2017
Instrument	341337
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 OAK ST BOYNTON BEACH FL 334352806, BOYNTON BEACH, FL 33435-2806

Tax Assessment & Valuation

The 2025 property tax bill for 651 Oak St was $8,432, up 10.5% from the year before.

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	$8,432.00 (+10.53%)	$382,324	$450,857 Land $305,145 Building $145,712
2024	$7,629.00 (-1.23%)
2023	$7,724.00 (+11.41%)	$473,603 (+20.12%) Land $331,790 Building $141,813	$473,603 (+20.12%) Land $331,790 Building $141,813
2022	$6,933.00	$394,268 Land $279,284 Building $114,984	$394,268 Land $279,284 Building $114,984

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

Flood

FEMA maps place 651 Oak St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 651 Oak St 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 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile.

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