1221 Biscaya Dr, Surfside (Miami Beach), FL 33154 Property Records

Miami-Dade County property record for 1221 Biscaya Dr, Surfside, FL 33154

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,976 sqft · built 1972
Lot Size	0.208 acres (9,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,950,000 (Sep 2020)
Tax Bill	$32,195 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`14-2234-003-0400`

Property Details

APN / Parcel Number

Primary APN	`14-2234-003-0400`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,976 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1992
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	9,075 sqft (0.208 acres)
Lot Dimensions	150 ft deep x 60.5 ft wide
Patio Area	640 sqft

Location & Zoning

Street Address	1221 BISCAYA DR
City	SURFSIDE
State	FL
Zip	33154-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1100
Legal Description	NORMANDY BEACH 2ND AMD & REV PB 41-6 LOT 25BLK 27 LOT SIZE 60.500 X 150
Legal Range	42E
Legal Township	52S
Legal Section	34
Legal Subdivision	NORMANDY BEACH 2ND AMD
Legal Block	27
Legal Lot Number	25
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	5
Census Block	5013
Census Tract	3804

Owner

Source: Miami-Dade County records, as of October 21, 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 Record
Mailing Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK FLORIDA
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA
Sep 3, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Prior Sale	Apr 13, 2015 · Amount on Record
Deed Document Number	2020501196
Deed Book / Page	32085 / 2557
Last Transfer Date	Aug 6, 2024
Transfer Doc	0000681490
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Recording Date	Jun 30, 2026
Property Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315
Document Number	0000443975
Book / Page	35375 / 2731
Instrument Date	Jun 15, 2026
Instrument	2026443975
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315

Mortgage

Document Number	0000443975,
Date	Jun 30, 2026
Book Page	35375/2731
Instrument	2026443975

Lender

Name	NATIONAL BANK FLORIDA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315

Mortgage

Document Number	0000014140
Date	Jan 6, 2022
Book Page	32943/3423
Instrument	2022R0014140

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank
Address	MIAMI, FL 33131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Sep 3, 2020
Property Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315
Document Number	0000501196
Book / Page	32085 / 2557
Map Reference	MB 41 PG 6
Instrument Date	Aug 27, 2020
Instrument	2020R0501196
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3737 COLLINS AVE APT 401, 3737, MIAMI BEACH, FL 33140-4051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 BISCAYA DR, SURFSIDE, FL 33154-3315

Mortgage

Document Number	0000002559
Date	Sep 3, 2020
Instrument	32085/2559

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Surfside Town
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$32,195.00 (+4.39%) Homeowner's exemption	$1,748,754 (+5.99%)	$3,329,269 (+43.66%) Land $2,722,500 Building $606,769
2023	$30,840.00 (+5.08%) Homeowner's exemption	$1,649,971 (+5.47%)	$2,317,455 (+28%) Land $1,701,670 Building $615,785
2022	$29,348.00 Homeowner's exemption	$1,564,332	$1,810,574 Land $1,225,253 Building $585,321

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 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 Record median of 201 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	294 units insured incl. 93 condo units
Nearby Flood Claims	12 (2017–2024)
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 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 99.8% of the US · lower than 99.7% 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	TOWN OF SURFSIDE serves 5,744 people · EPA ID FL4131424
Water Source	Purchased groundwater from MDWASA - MAIN SYSTEM
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	7 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 620 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Breezeline Cable	1,000 / 50

May also be available: T-Mobile.

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