109 Reef Ln, #VILLA9, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 109 Reef Ln, #VILLA9, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	7 bd · 5.5 ba · 4,997 sqft · built 2014
Owner	Company Name on File
Last Sale	$5,500,000 (Mar 2017)
Tax Bill	$102,103 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-029-1510`

Property Details

APN / Parcel Number

Primary APN	`24-4232-029-1510`

Interior

Bedrooms	7 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	4,997 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	109 REEF LN, 9
City	KEY BISCAYNE
State	FL
Zip	33149-1806
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	5000
Legal Description	OCEANA KEY BISCAYNE CONDO UNIT VILLA 9 UNDIV 1.105000% INT IN COMMON ELEMENTS OFF REC 29249-0603
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	OCEANA KEY BISCAYNE CONDO
Legal Block	1
Legal Unit	VILLA
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1000
Census Tract	4607

Owner

109 Reef Ln, #VILLA9 is owned by a company that bought it in March 2017.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	Company Name on File
Mailing Address	109 REEF LN, KEY BISCAYNE, FL 33149-1806
Owner Type	Company
Vesting	Company

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 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BRADESCO BAC FLORIDA BANK
Mar 31, 2017	Special Warranty Deed, Transfer · ARM SUNSTATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Document Number	2017179441
Deed Book / Page	30477 / 2166
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	109 REEF LN # VILLA9, VILLA9, KEY BISCAYNE, FL 33149-1806
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	HOMEPARTNERS TITLE INC, HOMEPARTNERS TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 REEF LN, KEY BISCAYNE, FL 33149-1806

Mortgage

Document Number	0000696910
Date	Sep 21, 2021
Book Page	32746/3705
Instrument	2021R0696910

Lender

Name	BRADESCO BAC FLORIDA BANK
Type	Bank
Address	MIAMI, FL 33134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DADE FL
Recording Date	Mar 31, 2017
Property Address	109 REEF LN # VILLA9, VILLA9, KEY BISCAYNE, FL 33149-1806
Document Number	0000179441
Book / Page	30477 / 2166
Map Reference	OR 29249 PG 603
Instrument Date	Mar 24, 2017
Instrument	2017R0179441
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1395 BRICKELL AVE STE 950, 1395, MIAMI, FL 33131-3303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 REEF LN, KEY BISCAYNE, FL 33149-1806

Mortgage

Document Number	0000179442
Date	Mar 31, 2017
Instrument	2017R0179442

Lender

Name	SUNSTATE BANK
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	300 Months
Due	Mar 24, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Mar 24, 2020
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	10.6%
Index	LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 109 Reef Ln, #VILLA9 was $102,103.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Key Biscayne Village
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$102,103.00	$6,106,761	$7,161,735
2023	$92,343.00 (+25.85%)	$6,820,700 (+4%)	$6,820,700 (+4%)
2022	$73,377.00	$4,871,900	$4,871,900

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

Flood

FEMA maps place 109 Reef Ln, #VILLA9 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 141 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1,524 units insured incl. 1,383 condo units
Nearby Flood Claims	220 (1979–2022)
Claims Outside the SFHA	1 of 220
Most Recent Claim	Jun 2022 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 60 claims Hurricane Katrina, Aug 2005 · 25 claims Hurricane Andrew, Aug 1992 · 63 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

The area around 109 Reef Ln, #VILLA9 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 143 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Hotwire Communications, Verizon.

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