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Palm Beach County · Mortgage Refi

Palm Beach County Mortgage Refi property data.

Palm Beach County, seated in West Palm Beach, is Florida's fourth most populous county with 1.58 million residents and more than 655,000 taxable parcels—a property base that topped $514 billion in total market value on the 2024 preliminary tax roll. A 70.1% homeownership rate and a median ACS owner-occupied home value near $447,300 define a market with substantial equity depth, reinforced by the fact that roughly 45% of owner-occupied homes carry no mortgage at all—nearly double the Florida statewide rate of 29.7%. The county's IECC Climate Zone 1A designation, persistent Atlantic hurricane exposure, and a median housing vintage of 1987 create durable, structurally driven demand across energy, roofing, HVAC, and financial services verticals.

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See Palm Beach County owners before you buy.

A live sample from the county source — search by owner name, address, or APN. The full mortgage refinance list ships with owner, mailing, parcel detail, and lineage on every record.

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APNOwnerAddressLand useYearAssessed value

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Data overview

What's in the dataset.

County
Palm Beach County, FL
FIPS
12099
County seat
West Palm Beach
Population
1,582,055
Median home value
$447,300
Owner-occupied
70.1%
Data source
Florida statewide parcel layer
Source type
Statewide assessor layer
Parcels
655,933
State coverage
67 / 67 counties
Lineage
Source + pull date on every record
Price
$25–50 / record
Florida statewide parcel layer·Pulled June 2026
Why Palm Beach County

Built for Mortgage brokers & lenders.

Equity-rich and free-and-clear Palm Beach County owners ranked by tappable headroom — push your book against the API and get scored matches back. High equity, free-and-clear status, ownership tenure, and rate delta — ranked by how much there is to tap.

Owner-occupiedLong tenureHome valueHigh equityFree-and-clearRate delta
$2550/ record
Mortgage Refi signals · Palm Beach County

What the data shows for mortgage refinance in Palm Beach County.

Palm Beach County's ACS median owner-occupied home value of $447,300 and the striking figure that 45.44% of owner-occupied homes carry no mortgage—nearly double the Florida statewide rate of 29.7%—signal an equity-rich market where a large share of homeowners hold fully unencumbered assets. The county's 70.1% homeownership rate and median housing vintage of 1987 mean a large cohort of long-tenure owners who captured the full post-2020 appreciation cycle that roughly doubled South Florida home values. For refi products, the free-and-clear population (cash-out and HELOC candidates) and owners with rate-locked 2020-2021 era mortgages represent two distinct, data-identifiable segments with different product needs.

$447,300
Median owner-occupied home value (ACS)
source
70.1%
Homeownership rate (ACS)
source
45.44% of owner-occupied homes
Free-and-clear (no mortgage) share
source
29.7%
FL statewide free-and-clear benchmark
source
1987
Median year home built
source
FAQ

Common questions about Palm Beach County data.