856 Lago Rd, Delray Beach, FL 33445 Property Records

Palm Beach County property record for 856 Lago Rd, Delray Beach, FL 33445

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,245 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Apr 2017)
Tax Bill	$3,077 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-43-46-19-18-008-0021`

Property Details

APN / Parcel Number

Primary APN	`12-43-46-19-18-008-0021`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,245 sqft Living Area
Gross Area	1,381 sqft

Exterior

Year Built	Built 1979
Construction Type	Concrete Block
Lot Area	43,560 sqft (1 acres)
Balcony	Balcony
Balcony Area	136 sqft

Location & Zoning

Street Address	856 LAGO RD
City	DELRAY BEACH
State	FL
Zip	33445-4516
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LAGO DEL REY COND 8 PAR 2 BLDG A
Legal Range	43E
Legal Township	46S
Legal Section	19
Legal Subdivision	LAGO DEL COND
Legal Block	8
Legal Unit	2
Jurisdiction	PALM BEACH FL
Township / Civil Division	BOYNTON BEACH-DELRAY BEACH
Census Block Group	1
Census Block	1020
Census Tract	6907

Owner

Source: Palm Beach County records, as of December 8, 2025

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
Co-owner	Co-owner on Record
Mailing Address	856 LAGO RD, DELRAY BEACH, FL 33445-4516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 12, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 12, 2017 · Amount on Record
Deed Sale	Apr 12, 2017 · Amount on Record
Prior Sale	Nov 7, 2006 · Amount on Record
Deed Document Number	20170127805
Deed Book / Page	29012 / 0093
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	856 LAGO RD, DELRAY BEACH, FL 33445-4516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0313660605
Date	Apr 16, 2020
Book Page	31366/605
Instrument	20200135670

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Apr 12, 2017
Property Address	856 LAGO RD, DELRAY BEACH, FL 33445-4516
Document Number	0290120093
Book / Page	029012 / 000093
Instrument Date	Mar 31, 2017
Instrument	127805
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	FLORIDA INT'L TITLE AND ESCROW, FLORIDA INT'L TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	856 LAGO RD #21 DELRAY BEACH FL 334454516, 21, DELRAY BEACH, FL 33445-4516

Mortgage

Document Number	290120095
Date	Apr 12, 2017
Book Page	029012/000095
Instrument	127806

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

Source: Palm Beach County assessment roll, as of July 1, 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	$3,077.00 (+12.71%) Homeowner's exemption	$195,350 (+3.66%)	$235,000 (+2.17%) Building $235,000
2023	$2,730.00 (+7.35%) Homeowner's exemption	$188,452 (+10.07%)	$230,000 (+15.12%) Building $230,000
2022	$2,543.00 Homeowner's exemption	$171,213	$199,800 Building $199,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	20 (1987–2017)
Claims Outside the SFHA	20 of 20
Most Recent Claim	Jun 2017 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Irene, Oct 1999 · 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	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	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 250 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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