9971 Three Lakes Cir, Boca Raton, FL 33428 Property Records

Palm Beach County property record for 9971 Three Lakes Cir, Boca Raton, FL 33428

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,026 sqft · built 1984
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Aug 2016)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`00-42-47-30-31-000-0222`

Property Details

APN / Parcel Number

Primary APN	`00-42-47-30-31-000-0222`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Construction Type	Masonry / Concrete Block
Lot Area	43,560 sqft (1 acres)
View / Lot	Water
Porch	Finished/Open Porch

Location & Zoning

Street Address	9971 THREE LAKES CIR
City	BOCA RATON
State	FL
Zip	33428-6207
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ROSEWOOD COND UNIT 22-B
Legal Range	42E
Legal Township	47S
Legal Section	30
Legal Subdivision	ROSEWOOD CONDO
Legal Unit	22-B
Jurisdiction	PALM BEACH FL
Township / Civil Division	SUNSHINE PARKWAY
Census Block Group	1
Census Block	1001
Census Tract	7767

Owner

9971 Three Lakes Cir, a condominium, is owned and occupied by an individual who bought it in August 2016.

Source: Palm Beach County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	9971 THREE LAKES CIR, BOCA RATON, FL 33428-6207
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2016 · Amount on File
Deed Sale	Aug 23, 2016 · Amount on File
Prior Sale	Dec 31, 2002 · Amount on File
Deed Document Number	2016301535
Deed Book / Page	28523 / 1969
Prior Transfer Date	Dec 8, 2015
Prior Transfer Doc	0279871126
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Recording Date	Sep 1, 2026
Property Address	9971 THREE LAKES CIR, BOCA RATON, FL 33428-6207
Document Number	0000319268
Book / Page	36763 / 48
Instrument Date	Aug 19, 2026
Instrument	2026319268
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9971 THREE LAKES CIR, 22B, BOCA RATON, FL 33428-6207

Mortgage

Document Number	0000319268,
Date	Sep 1, 2026
Book Page	36763/48
Instrument	2026319268

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	9971 THREE LAKES CIR, BOCA RATON, FL 33428-6207
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9971 THREE LAKES CIR 22B, 22B, BOCA RATON, FL 33428-6207

Mortgage

Document Number	0335941182
Date	May 27, 2022
Book Page	33594/1182
Instrument	20220232130

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	9971 THREE LAKES CIR, BOCA RATON, FL 33428-6207
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9971 THREE LAKES CIR 22B, 22B, BOCA RATON, FL 33428-6207

Mortgage

Document Number	0326640926
Date	Jul 8, 2021
Book Page	32664/926
Instrument	20210316538

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 9971 Three Lakes Cir was $3,054 with a homeowner's exemption, up 3.3% 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
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,054.00 (+3.28%) Homeowner's exemption	$212,220	$235,000 Building $235,000
2024	$2,957.00 (+2.82%)
2023	$2,876.00 (+1.27%) Homeowner's exemption	$200,232 (+3%)	$235,000 (+20.88%) Building $235,000
2022	$2,840.00 Homeowner's exemption	$194,400 Building $194,400	$194,400 Building $194,400

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

Flood

FEMA maps place 9971 Three Lakes Cir in Zone AO, 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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 31 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	399 units insured incl. 368 condo units
Nearby Flood Claims	9 (1987–2013)
Most Recent Claim	Jan 2013 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 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 9971 Three Lakes Cir 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	PALM BEACH COUNTY WATER UTILITIES serves 671,114 people · EPA ID FL4504393
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 338 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	2,000 / 250

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

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