654 Pine Lake Dr, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 654 Pine Lake Dr, Delray Beach, FL 33445

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,351 sqft · built 1980
Lot Size	0.371 acres (16,165 sqft)
Owner	2 Individual Names on File
Last Sale	$1,925,000 (Aug 2026)
Tax Bill	$19,803 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-42-46-24-14-000-0310`

Property Details

APN / Parcel Number

Primary APN	`12-42-46-24-14-000-0310`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,351 sqft Living Area
Gross Area	4,103 sqft
1st Floor Area	3,351 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	16,165 sqft (0.371 acres)
Lot Dimensions	162 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	536 sqft

Exterior Amenities

Pool Area	122 sqft
Porch	Finished/Open Porch
Porch Area	324 sqft
Patio Area	2,033 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	654 PINE LAKE DR
City	DELRAY BEACH
State	FL
Zip	33445-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-A
Legal Description	PINELAKE LT 31
Legal Range	42E
Legal Township	46S
Legal Section	24
Legal Subdivision	PINE LAKE
Legal Lot Number	31
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	2
Census Block	2008
Census Tract	6907

Owner

654 Pine Lake Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Palm Beach County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 PINE LAKE DR, DELRAY BEACH, FL 33445-9041
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
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NYS
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Oct 19, 2019	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on File
Deed Sale	Aug 21, 2026 · Amount on File
Prior Sale	Oct 19, 2019 · Amount on File
Deed Document Number	2026305138
Deed Book / Page	36739 / 1053
Prior Transfer Date	Jan 25, 2008
Prior Transfer Doc	0224531725
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Aug 21, 2026
Property Address	654 PINE LAKE DR, DELRAY BEACH, FL 33445-9041
Document Number	0000305138
Book / Page	36739 / 1053
Instrument Date	Aug 18, 2026
Instrument	2026305138
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,360,975.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 PINE LAKE DR, DELRAY BEACH, FL 33445-9041

Mortgage

Document Number	0000305139,
Date	Aug 21, 2026
Instrument	2026305139

Lender

Name	CITIBANK NYS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	654 PINE LAKE DR, DELRAY BEACH, FL 33445-9041
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0325601271
Date	Jun 8, 2021
Book Page	32560/1271
Instrument	20210263559

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Annually

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Oct 19, 2019
Property Address	654 PINE LAKE DR, DELRAY BEACH, FL 33445-9041
Document Number	0309661979
Book / Page	30966 / 1979
Map Reference	MB 36 PG 165
Instrument Date	Oct 2, 2019
Instrument	20190384660
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PRINCETON TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,216.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21925 MIZNER WAY # 8033, 21925, BOCA RATON, FL 33433-1142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 SUPERIOR AVE E, CLEVELAND, OH 44114-2614

Mortgage

Document Number	0309661981
Date	Oct 19, 2019
Instrument	30966/1981

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 654 Pine Lake Dr was $19,803, up 4.5% 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
Municipality	Delray Beach City
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,803.00 (+4.55%)	$915,060	$1,241,269 Land $733,914 Building $507,355
2024	$18,942.00 (+6.52%)
2023	$17,783.00 (+21.62%)	$1,226,547 (+46.63%) Land $553,258 Building $673,289	$1,226,547 (+46.63%) Land $553,258 Building $673,289
2022	$14,622.00	$836,465 Land $377,520 Building $458,945	$836,465 Land $377,520 Building $458,945

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 654 Pine Lake Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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 99 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	5 (1979–2014)
Claims Outside the SFHA	5 of 5
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

Wildfire risk around 654 Pine Lake Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	DELRAY BEACH PUBLIC WATER SYSTEM serves 69,754 people · EPA ID FL4500351
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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