652 Oak St, Boynton Beach, FL 33435 Property Records

Palm Beach County property record for 652 Oak St, Boynton Beach, FL 33435

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,306 sqft · built 1956
Lot Size	0.246 acres (10,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Feb 2022)
Tax Bill	$8,643 (2025)
Deeds & Mortgages	Sep 2026 Transfer Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`08-43-45-15-06-002-0010`

Property Details

APN / Parcel Number

Primary APN	`08-43-45-15-06-002-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,306 sqft Living Area
Gross Area	1,381 sqft
1st Floor Area	1,306 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2001
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,729 sqft (0.246 acres)
Lot Dimensions	141 ft deep x 76 ft wide
Garage Area	375 sqft
Porch	Slab
Porch Area	95 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	652 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 1 TO 3 INC BLK 2
Legal Range	43E
Legal Township	45S
Legal Section	15
Legal Subdivision	SHEPARDS SUB
Legal Block	2
Legal Lot Number	1-3
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 October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 23, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 20, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Dec 23, 2019	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Feb 2, 2016 · Amount on Record
Deed Document Number	202283039
Deed Book / Page	33333 / 746
Last Transfer Date	Sep 15, 2026
Transfer Doc	0000340882
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALM BEACH FL
Recording Date	Sep 17, 2026
Property Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807
Document Number	0000340882
Book / Page	36800 / 360
Instrument Date	Sep 15, 2026
Instrument	2026340882
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Feb 23, 2022
Property Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807
Document Number	0333330746
Book / Page	33333 / 746
Map Reference	MB 8 PG 8
Instrument Date	Feb 14, 2022
Instrument	20220083039
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	NEW PATH TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	652 OAK ST, 652, BOYNTON BEACH, FL 33435-2807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 SE 3RD AVE APT 439, 439, DELRAY BEACH, FL 33483-4683

Mortgage

Document Number	0033333748
Date	Feb 23, 2022
Instrument	33333/748

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 OAK ST BOYNTON BEACH, BOYNTON BEACH, FL 33435

Mortgage

Document Number	0325031027
Date	May 20, 2021
Book Page	32503/1027
Instrument	20210233742

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Nov 1, 2049

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PALM BEACH FL
Property Address	652 OAK ST, BOYNTON BEACH, FL 33435-2807
Document Number	0311381629
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	652 OAK ST BOYNTON BEACH FL 334352807, BOYNTON BEACH, FL 33435-2807

Mortgage

Document Number	0311381629
Date	Jan 7, 2020
Book Page	031138/001629
Instrument	5509

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

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	$8,643.00 (+2.84%)	$457,108 (-11.15%)	$480,896 (-6.53%) Land $315,210 Building $165,686
2024	$8,404.00 (-14.9%)
2023	$9,875.00 (+264.53%) Homeowner's exemption	$514,474 (+224.43%) Land $316,543 Building $197,931	$514,474 (+12.75%) Land $316,543 Building $197,931
2022	$2,709.00 Homeowner's exemption	$158,580	$456,310 Land $266,450 Building $189,860

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 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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