Palm Beach County property record for 7908 Montecito Pl, Delray Beach, FL 33446 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,075 sqft · built 2002 |
| Lot Size | 0.167 acres (7,279 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,275,000 (Apr 2024) |
| Tax Bill | $19,481 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00-42-46-28-18-000-0220 |
| Primary APN | 00-42-46-28-18-000-0220 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,075 sqft Living Area |
| Gross Area | 3,833 sqft |
| 1st Floor Area | 2,705 sqft |
| Upper Floors Area | 370 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Wood Truss |
| Roof Material | Concrete |
| Lot Area | 7,279 sqft (0.167 acres) |
| Garage Type | Attached |
| Garage Area | 522 sqft |
| Pool Area | 74 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 364 sqft |
| Patio Area | 728 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 7908 MONTECITO PL |
|---|---|
| City | DELRAY BEACH |
| State | FL |
| Zip | 33446-4425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ADDISON RESERVE PAR 15 LT 22 |
| Legal Range | 42E |
| Legal Township | 46S |
| Legal Section | 28 |
| Legal Subdivision | ADDISON RESERVE PAR 15 |
| Legal Lot Number | 22 |
| Jurisdiction | PALM BEACH FL |
| Township / Civil Division | BOYNTON BEACH-DELRAY BEACH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 5937 |
Source: Palm Beach County records · APN 00-42-46-28-18-000-0220
Assessment roll updated December 10, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Apr 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA |
| Jun 05, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Sep 12, 2018 | Warranty Deed, Transfer · Conventional Mortgage K & B CAPITAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 22, 2024 · Amount on Record |
| Deed Sale | Apr 22, 2024 · Amount on Record |
| Prior Sale | Jun 05, 2020 · Amount on Record |
| Deed Document Number | 2024134934 |
| Deed Book / Page | 34963 / 1771 |
| Prior Transfer Date | Oct 20, 2006 |
| Prior Transfer Doc | 0210120767 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Document Number | 0362171762 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 36217/1762 |
| Instrument | 20250454796 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Property Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4511 EL MAR DR 206, 206, LAUDERDALE BY THE SEA, FL 33308-3788 |
| Document Number | 0349631773 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 34963/1773 |
| Instrument | 20240134935 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | 710 CARILLON PKWY, ST PETERSBURG, FL 33716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Recording Date | Jun 05, 2020 |
| Property Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Document Number | 0314760145 |
| Book / Page | 031476 / 000145 |
| Instrument Date | Jun 01, 2020 |
| Instrument | 194239 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2020 |
| Title Company | HORIZON TITLE, HORIZON TITLE SERVICES CORP. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 352 BEACON ST #4 BOSTON MA 021161019, 4, BOSTON, MA 02116-1019 |
| Document Number | 314760150 |
|---|---|
| Date | Jun 05, 2020 |
| Book Page | 031476/000150 |
| Instrument | 194244 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 04, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALM BEACH FL |
| Recording Date | Sep 12, 2018 |
| Property Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Document Number | 0301160421 |
| Book / Page | 30116 / 0421 |
| Map Reference | MB 84 PG 192-194 |
| Instrument Date | Sep 05, 2018 |
| Instrument | 20180350544 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | FLORIDA TITLE & GUARANTEE AG |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 ASPEN WAY, 123, DEERFIELD, IL 60015-4783 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7908 MONTECITO PL, DELRAY BEACH, FL 33446-4425 |
| Investor | Possibly a Property Investor |
| Document Number | 20180350545 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 20180350545 |
| Name | K & B CAPITAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: Palm Beach County records · Assessment roll updated December 10, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Palm Beach County |
| Unified School District | Palm Beach County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $19,481.00 (+48.21%) | $1,209,918 (+15.83%) | $1,209,918 (+15.83%) Land $472,233 Building $737,685 |
| 2024 | $13,144.00 (-22.34%) | ||
| 2023 | $16,925.00 (+83.41%) Homeowner's exemption | $1,044,546 (+75.7%) Land $366,561 Building $677,985 | $1,044,546 (+75.7%) Land $366,561 Building $677,985 |
| 2022 | $9,228.00 | $594,513 Land $220,500 Building $374,013 | $594,513 Land $220,500 Building $374,013 |
Source: FEMA National Flood Hazard Layer, Palm Beach County (12099C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120990059371, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 272 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 272 in force |
| Nearby Flood Claims | 11 (2004–2023) |
| Claims Outside the SFHA | 11 of 11 |
| Most Recent Claim | Apr 2023, other causes |
| Wildfire Risk | Low above 37% of the US · above 11% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,786 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 198 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Hotwire Communications, AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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